Progressive Auto Insurance in Schenectady, NY with Reviews -
By: Barb O.
John R. Zongrone Agency, Inc.
The entire staff is extremely helpful and responsive. They are very thorough in reviewing your policies with you each year and provide very competitive rates. They are always there for you when you need them.
By: Donal R.
John R. Zongrone Agency, Inc.
John R. Zongrone Agency provides nothing but the best services for their clients. Everyone is knowledgeable and friendly in the office.
By: Lana B.
John R. Zongrone Agency, Inc.
John R Zongrone agency keeps me in the loop with new coverages and discounts. The staff will definitely help you look for fair prices.
By: Raychel Q.
John R. Zongrone Agency, Inc.
I always recommend this insurance agency to my friends and family. They have provided me great coverage over the years.
By: katkat.polo
John R. Zongrone Agency, Inc.
They are always happy to accommodate us with billing when we are leaving on extended vacations.
By: Harold W.
John R. Zongrone Agency, Inc.
I would recommend John R. Zongrone Agency to anyone looking for professional insurance advice.
By: Jean R.
John R. Zongrone Agency, Inc.
They are easy to deal with, and everyone is honest and helpful. They have fair prices too.
By: Emma F.
John R. Zongrone Agency, Inc.
Always happy to accommodate us with billing when we are leaving on extended vacations.
By: Ryan M.
John R. Zongrone Agency, Inc.
These guys always do a good job. They are easy to work with and easy to get a hold of.
By: warriorzzz
John R. Zongrone Agency, Inc.
Everyone was very professional and easy to work with.
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.

Just a moment...