Aljay Insurance Brokerage Ltd.
6143 Jericho Turnpike, Ste 100, Commack, NY 11725
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Commack households and business owners trust local agents to navigate carrier appetite shifts, underwriting requirements, and the claims process.
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6143 Jericho Turnpike, Ste 100, Commack, NY 11725
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6080 Jericho Turnpike, Suite 101, Commack, NY 11725
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6080 Jericho Tpke, # 101, Commack, NY 11725
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357 Veterans Memorial Hwy, Commack, NY 11725
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6080 Jericho Tpke, Commack, NY 11725
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Learn about insurance coverage options specific to Commack residents.
Complete insurance guide for Commack, NY. Learn about auto insurance costs ($3,303/year avg), home rates, bundling discounts, and local agents on Long Island.
Home InsuranceCommack homeowners pay $2,840/year average for home insurance. Learn about Suffolk County's coastal risks, hurricane deductibles, and flood coverage needs.
The average cost of car insurance in Commack and throughout New York State is approximately $3,303 per year, or about $275 per month. Rates vary significantly based on your driving record, age, vehicle type, and coverage levels. Luxury vehicles in Commack typically cost between $1,500 and $3,000 annually to insure. Long Island residents generally pay more than upstate New York drivers due to higher traffic density and accident rates.
Standard homeowners insurance does not cover flood damage, so if you're near water or in a designated flood zone, you absolutely need separate flood insurance. Given Long Island's coastal geography and increasing storm frequency, flood insurance is essential even if your mortgage lender doesn't require it. You can purchase coverage through the National Flood Insurance Program or private carriers specializing in flood coverage.
New York requires minimum liability coverage of $25,000 per person and $50,000 per accident for bodily injury, plus $10,000 for property damage (commonly written as 25/50/10). You also need $50,000 in personal injury protection (PIP) and matching uninsured/underinsured motorist coverage. However, many experts recommend higher limits—such as 100/300/100—given the area's high cost of living and expensive vehicles on the road.
Bundling your auto and homeowners insurance with the same company typically saves 15-25% on your combined premiums. Other strategies include raising your deductibles, maintaining a clean driving record to qualify for safe driver discounts, installing home security systems, and shopping around every 2-3 years. Many insurers offer discounts for newer homes, updated electrical or plumbing systems, and claims-free histories.
Insurance companies are raising rates about 8% annually across Long Island to cover increasing losses from severe weather events and material inflation. Coastal areas like Suffolk County are experiencing even steeper increases—about 15% faster than inland areas—due to sea-level rise projections and storm frequency. Some insurers have exited the New York market entirely, reducing competition and driving up prices for remaining carriers.
Local agents offer valuable expertise about Long Island's unique insurance challenges, including which carriers are still writing policies in Suffolk County and how to structure coverage for coastal properties. They can also provide personalized service during claims. However, you should still compare quotes from multiple sources—including direct writers—every few years, as loyalty to one agent or company rarely results in the best rates.
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