Watertown Insurance Agency and Affordable McLaughlin & Kehoe is here to answer all of your Auto  Insurance  Questions and provide Insurance coverage for your Auto Insurance needs.

We Represent Multiple Top New York State Auto Insurance Companies to  shop and compare to find you the coverage you need at the best price you qualify for.

Serving  Watertown, NY, Adams, Ford Drum, Sackets Harbor, Dexter, Adams Center and surrounding areas in central and northern New York State.

Shopping for car insurance online without a local agent like Watertown  Insurance Agency can be very confusing and stressful.  Let our friendly knowledgeable staff answer all of your car insurance coverage questions and save you the time of calling around or visiting multiple individual insurance company web sites. We use a comparative rating system software to quote many insurance companies at once for your auto insurance and automatically find your best deal from the companies we represent.

What is car insurance and why do i need it in Watertown NY?
Car insurance protects you against financial loss if you have an accident. It is a contract between you and the insurance company. You agree to pay the premium and the insurance company agrees to pay your losses as defined in your policy.

Auto insurance provides property, liability and medical coverage:

• Property coverage pays for damage to or theft of your car.
• Liability coverage pays for your legal responsibility to others for bodily injury or property damage.
• Medical coverage pays for the cost of treating injuries, rehabilitation and sometimes lost wages and funeral expenses.

An auto insurance policy is comprised of six different kinds of coverage. Most states require you to buy some, but not all, of these coverages. If you're financing a car, your lender may also have requirements.

Most auto policies are for six months or a year. Your insurance company should notify you by mail when it's time to renew the policy and to pay your premium.

Why do you need auto insurance?
It's really all about protecting yourself financially.

• If you're in an accident or your car is stolen, it costs money, often a lot of money, to fix or replace it.
• If you or any passengers are injured in an accident, medical costs can be extremely expensive.
• If you or your car is responsible for damage or injury to others, you may be sued for much more than you're worth.
• Not only is having insurance a prudent financial decision, many states require you to have at least some coverage.

Questions to ask your agent  when shopping for car insurance for consumers that live in Watertown NY area
Your Independent Agent is an advocate for finding auto insurance that meets your specific needs. Here are a few things to consider as you prepare for the discussion:

• How much can you afford to pay if you get in an accident? (To keep premiums low you may want to have a higher deductible and be willing to pay more for repairs.)
• What is the insurance company's level of service and ability to pay claims?
• What discounts are available? (Ask about good driver, multiple policy and student discounts.)
• What's the procedure for filing and settling a claim? (Ask who to call and what happens after you file a claim.)