Dirado Insurance Agency LLC - EZ Budget Insurance
219 Main St, Binghamton, NY 13905
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Binghamton households and business owners trust local agents to navigate carrier appetite shifts, underwriting requirements, and the claims process.
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219 Main St, Binghamton, NY 13905
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215 Main St, Binghamton, NY 13905
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84 Main St, Binghamton, NY 13905
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298 Conklin Ave, Binghamton, NY 13903
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84 Court Street, Binghamton, NY 13901
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Learn about insurance coverage options specific to Binghamton residents.
Binghamton offers NY's most affordable insurance rates. Get auto, home, and flood coverage info for the Triple Cities with local agent recommendations.
Home InsuranceBinghamton home insurance guide covering flood risks, older Victorian homes, and essential coverage. Get quotes and protect your Triple Cities property.
Car InsuranceGet affordable auto insurance in Binghamton, NY. Learn about no-fault PIP requirements, 25/50/10 minimums, and average rates of $124/month. Compare quotes today.
The average cost of car insurance in Binghamton is $138 per month, which is significantly lower than New York's state average of $173 per month. Full coverage runs about $154 per month, while liability-only coverage costs around $122 per month. Binghamton is one of the most affordable places in New York for auto insurance due to its lower population density and fewer drivers on the road.
While flood insurance may not be required by your lender if you're not in a high-risk flood zone, it's strongly recommended for Broome County residents. The area experienced major floods in 2006 and 2011, and standard homeowners policies don't cover flood damage. Purchasing flood insurance now locks in lower rates and protects you from costly flood damage that could happen again.
New York requires all drivers to carry minimum liability coverage of $25,000 for bodily injury per person, $50,000 per accident, and $10,000 for property damage. However, most insurance agents recommend higher limits—at least $100,000/$300,000/$100,000—because medical bills and vehicle repairs can quickly exceed minimum coverage amounts.
Renters insurance in Binghamton typically costs between $15 and $30 per month for solid coverage. This affordable policy protects your personal belongings from theft, fire, or water damage, and provides liability protection if someone is injured in your apartment. It also covers temporary living expenses if your rental becomes uninhabitable.
Local agents in the Triple Cities offer significant advantages: they understand Binghamton's specific weather risks, flood history, and claims trends. Independent agents can shop your coverage across multiple carriers to find the best rate and bundle policies for maximum savings. When you need to file a claim or have questions, you work with someone local who knows your name, not a distant call center.
Home insurance rates in New York have been rising faster than the national average, but the good news is that increases are stabilizing in 2026. Most areas are seeing rate hikes under 10% compared to the double-digit increases of recent years. Shopping around with local agents who work with multiple carriers can help you find the best rate.
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