R J Carignan & Co
595 5th Ave
Troy, NY 12182-2501
Phone: (518) 235-4303 | Fax: (518) 235-0634
R J Carignan & Co provides residents of Troy with advice and guidance to help protect assets. Visit their office at 595 5th Ave or call (518) 235-4303 for a no obligation quote. Serving the greater Troy area and beyond.
Looking for insurance agents in Troy, NY or just trying to lower your premiums? Here are some tips to keep in mind.
- A local insurance services provider like R J Carignan & Co can help you determine the proper coverages for your personal situation. Licensed New York insurance agents are trained to find possible coverage gaps in your insurance plan.
- When researching auto insurance in Troy, think about increasing your collision and comprehensive insurance deductibles to a larger amount in order to save money. Car insurance is cheaper when you're prepared to spend slightly more out-of-pocket if you have an insurance claim.
- Troy property owners are able to reduce their insurance costs by simply increasing their insurance policy deductible. An insurance deductible is how much money you have to pay out-of-pocket once you have a home insurance claim. By agreeing to pay an increased amount of your own money, your insurance provider will lower your home insurance premium. Providing you don't have regular claims, the cost savings on the reduced premium will soon add up to a lot more than the extra insurance deductible you have to spend at claim time.
- Some New York insurance companies may give you a discount if you drive less miles in a year. So if you live close to work in Troy and can walk or use public transportation rather than driving your car, you might save up to 10% off your annual premium.