Calkins Insurance
35 Saratoga Ave
Waterford, NY 12188-2647
Phone: (518) 237-1019 | Fax: (518) 237-3859
Calkins Insurance provides residents of Waterford with advice and guidance when making important insurance decisions. Their office is located at 35 Saratoga Ave or call (518) 237-1019 to speak with an agent. Serving Waterford and the greater Saratoga county area.
Looking for insurance agents in Waterford, NY or just trying to lower your premiums? Here are some insurance buying best practices.
- Calkins Insurance may be able to help you determine the insurance policy that's right for your specific needs.
- Your Waterford auto insurance rates can be reduced significantly by raising your collision and comprehensive or 'other than collision' deductibles. If you have an auto accident or your car gets damaged in a hail storm you'll have to pay more to have the damage fixed, but higher deductibles mean less premium each year and your savings may more than make up for the increased cost at claim time.
- Waterford home insurance rates can be reduced by taking a look at your property loss deductible. If you currently have a $250 or $500 deductible on your Waterford policy, you can raise your deductible to $1,000 or more and save significantly on your annual rates.
- You might save some money by buying a longer term policy. If you're paying monthly on your auto policy or your policy term is 6-months, you might save some money by paying the policy in full or buying an annual policy term.