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01/22/2016
By: Nikko S.
Allstate Insurance Agent: David Williams
Great agency all around from the staff to the customer service. Have a couple policies with them and I have had nothing but great luck! Would definitely recommend to friends and family not to mention the ease of access with being able to text the agency and get an immediate response back with any insurance needs! 5 stars is well deserved.
11/04/2016
By: Michelle V.
Urbanski Insurance Agency Inc
very helpful and best prices around town! Saved lots of money while supporting local small business owners. Love that they speak several languages in the office! I read some of the reviews and it is unfortunate that people only like to post negative comments. This owner has worked very hard his entire life to build his own business.
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04/23/2016
By: Tricia M.
InsuranceTrak Services
I have gotten my auto insurance through InsuranceTrak Services for a couple of years now. They always respond quickly and professionally to any questions I have had. The process of buying insurance is easy with them an they found me a great rate! I'm very happy with the service that I have received through InsuranceTrak!
03/18/2013
By: jamietrovato
Trovato Associates
This is a very good experience. Dealing with individual agents with so much industry knowledge and experience really makes the difference. Trovato Associates has the ability to shop your insuracne policies for you in house with multiple brand name companies. call them and you can speak with alive person right away.
03/18/2013
By: anecci
Trovato Associates
Everyone here is very helpful and knowledgeable. It is nice to have a local agent that I can go visit anytime versus dealing with a different person all the time at the other end of an 800 number. I love there are many options of insurance companies to choose from. I highly recommend this Agency.
04/25/2016
By: Donna G.
InsuranceTrak Services
Insurance Trak Services has by far, been the right choice for me. For the past three years, Craig has quoted me the lowest prices I could find anywhere. I had to put a claim in because of ice damage and they were excellent at assessing damage and paying claim. No complaints here!
04/22/2016
By: D B.
InsuranceTrak Services
We saved hundreds of dollars on our insurance package with excellent coverage with top rated insurance companies. This agency shops for you based on your individual situation and has the innovative tools to provide the best ongoing service I have ever had. Highly recommend!
01/25/2016
By: Nikko S.
Allstate Insurance Agent: David Williams
Daves agency is filled with great people who always lend a helping hand in even the most complicated situations, they always help me understand even the most complicated things that go into insurance, would definitely recommend to friends and family!
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04/23/2016
By: Jenny R.
InsuranceTrak Services
Just moved to the city of Rochester and got great quotes on my home and auto insurance. Craig and his team are friendly and personable and responded to my questions quickly. I would recommend insurance track to my family and friends.
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05/14/2015
By: Jason J.
The Born Agency
I have used the Born Agency for my personal and business insurance since 2009 and I wouldn't recommend anyone else. They are easy to work with and have always done more than expected.
Tips & Advices
By law, you need to be insured up to the minimum amount required in your state before getting behind the wheel of any car. Beyond that, your insurance needs will vary depending on your financial situation and the amount of risk you are willing to take on.
  • Full or comprehensive car insurance is the most expensive, but often the best deal for drivers who own an expensive car, those who commute frequently or anyone who lives in an area with extreme weather or high crime rates.
  • Drivers of less expensive or older cars usually save more by opting for the minimum required policy, along with some extra coverage if they can afford it. Since the cost of repairs might exceed the total value of an older vehicle, some owners forgo collision protection in favor of greater liability coverage or personal injury coverage.
If someone other than you causes an accident while driving your car, most insurance policies will still pay for damage, according to the rules that apply. However, it’s a good idea to check with the insurance provider to be sure this is the case. Regardless, either the at-fault driver or the actual policyholder will be responsible for paying for anything not covered by insurance. People who don’t own a car but frequently borrow or rent one might consider purchasing a non-owner policy to make up the difference.
Car insurance premiums might be tax deductible in certain situations, but only with the documentation to prove it. Insurance costs may be deducted as part of overall business expenses if you use that car for work-related travel. However, this does not generally apply to taxpayers who use the standard deduction when filing their income tax returns. If your car is used for business purposes often, save all insurance-related documentation, as well as receipts, invoices and other forms of proof that your vehicle expenses were for business purposes.
Car insurers set premium prices depending on every driver’s individual risk. A huge number of details are factored into every determination of insurance risk, so the cost of any two policies can vary widely depending on the driver’s personal attributes, accident history, location, vehicle type and much more. The type of coverage you choose also impacts what you pay - premiums for minimal liability coverage will almost always be lower than those of a universal coverage policy.
The cost of car insurance is highly variable, but according to the National Association of Insurance Commissioners, U.S. motorists pay around $900 per year on auto insurance.

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