Amana Insurance Brokerage, Inc.
2315 Steinway Street, Astoria, NY 11105
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2315 Steinway Street, Astoria, NY 11105
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32-26 Steinway St, Astoria, NY 11103
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30-93 31st St, Astoria, NY 11102
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30-10 41st Ave, Apt 246, Astoria, NY 11103
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25-06 31st Street, #2, Astoria, NY 11102
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25-15 Steinway Street, Astoria, NY 11103
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Learn about insurance coverage options specific to Astoria residents.
Complete guide to insurance in Astoria, Queens. Compare auto, renters, and home insurance costs. Find local agents and save with bundling discounts.
Home InsuranceAstoria home insurance costs $1,400-$2,800 yearly for co-ops/condos. Learn about Queens rates, winter weather coverage, flood risks, and how to save.
Car InsuranceGet affordable auto insurance in Astoria, Queens. Understand NY's no-fault system, 25/50/10 minimums, PIP requirements, and ways to save on coverage.
Auto insurance in Astoria typically costs around $275 per month for full coverage, which is higher than the New York state average of $275 monthly due to urban density and parking challenges. Minimum coverage costs significantly less—around $63-140 per month—but may not provide adequate protection if you cause a serious accident. Your specific rate depends on your driving record, where you park, your vehicle, and coverage limits.
Yes, and here's why: your landlord's insurance doesn't cover your belongings or protect you from liability if someone gets injured in your apartment. Renters insurance in Queens costs just $11-19 per month and provides crucial liability coverage that could save you from a devastating lawsuit. It also covers your possessions both inside and outside your apartment, including theft from your car or while traveling.
While Astoria has a low flood risk designation (FEMA Zone X) and flood insurance isn't mandatory, it's worth considering. The area faces risks from severe storms and potential hurricanes, and over 20% of flood insurance claims come from properties outside high-risk zones. Standard homeowners and renters policies don't cover flood damage, so if you're near waterways or in a ground-level unit, a policy costing $360-700 annually provides valuable protection.
New York requires 25/50/10 liability coverage ($25,000 per person for injuries, $50,000 per accident, $10,000 for property damage), plus Personal Injury Protection (PIP) covering up to $50,000 for medical expenses and uninsured motorist coverage. Because New York is a no-fault state, your insurance pays your medical bills after an accident regardless of who caused it, which is why rates are higher than in many other states.
Absolutely. Bundling your auto and renters or homeowners insurance with the same company typically saves 15-25% on both policies. Companies like Plymouth Rock offer particularly strong bundling discounts in Queens. Additionally, ask about discounts for defensive driving courses, anti-theft devices, good credit, and maintaining a claims-free record—these can add up to significant savings.
Get quotes from at least three different insurance companies, and consider working with a local independent agent who can compare rates from multiple carriers. Rates vary significantly between insurers, and shopping around every few years ensures you're getting competitive pricing. Also, improving your credit score, increasing deductibles, and qualifying for available discounts can substantially reduce your premiums without sacrificing coverage.
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