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Frequently Asked Questions

Below are some of our frequently asked questions. If you have any other questions or concerns, please feel free to contact us.

  1. How does an Independant Agent differ from a captive agent or direct writer.
  2. How Can I lower my current insurance rates without changing coverage?
  3. I am not happy with the service or price of my current insurance. How can I get a quote from Affordable McLaughlin & Kehoe Agency.
  4. I just switched my insurance to one of those heavily advertised companies that said they could save me alot of money on my insurance. When I received my actual policy I found out that the price came in higher than quoted and or they did not give me the same coverage as my old policy. Can I switch my insurance back to your agency?
  5. I only insure my Home or Auto with you and have the other policy with another company.
How does an Independant Agent differ from a captive agent or direct writer.
As an Independent Insurance agent, AMK Agency represents multiple top insurance companies so that we can shop and compare coverage and rates that best fit your individual insurance needs at the best price.

A captive agent ( ex. Allstate ) or direct writer ( ex. Geico ) usually only represents a single company and can only quote your insurance with them,  which may not always  offer your best coverage or rate combination.

As an independent agent we are not limited to those one or two choices for you and can shop multiple companies without you spending your time calling around for multiple quotes.

A good analogy is,  you could shop at a store that only carries 1 name brand or you could have a personal shopper that has many brands available to find the one that fits your individual coverage needs and pricing the best.

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How Can I lower my current insurance rates without changing coverage?
If you have not already done so in the past 3 years, sign up for an online defensive driving course to save up to 10% discount on your insurance for 3 years. Click below to open link in new browser window.

defenisve driving course

http://www.newyorksafetycouncil.com/?lgr=7c2de5f8-ece9-e011-9480-00c09f3f0f12



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I am not happy with the service or price of my current insurance. How can I get a quote from Affordable McLaughlin & Kehoe Agency.
There are several ways for you to start the quoting process.
 
Online - Select the type of insurance you would like quoted on our main page drop down box and then select the green get quote now button to begin.             
- OR -
1.) Call one of our  local offices and speak to a customer service representative.
315-437-2821 E Syracuse -- 315-782-4300 Watertown
2.) Fax a copy of your current main policy "declaration" pages.
Please include a contact name and number for follow up and additional information that may be needed to process quote.
315-437-5272 E Syracuse    -   315-782-4860 Watertown
3.) E-Mail same info as in #2
E Syracuse - info@amkagency.com
           


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I just switched my insurance to one of those heavily advertised companies that said they could save me alot of money on my insurance. When I received my actual policy I found out that the price came in higher than quoted and or they did not give me the same coverage as my old policy. Can I switch my insurance back to your agency?
YES !
 
In most cases we can get you back into the same company and policy  pricing as you had  before switching your insurance elsewhere. If not we will make our best attempt to get you back into the same coverage with another company from the many we represent offering your best price.

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I only insure my Home or Auto with you and have the other policy with another company.
YES. Most companies offer multi policy "account discounts" for insuring your home and auto policy together with them. The discounts can be anywhere from 5% up to 30% savings depending on the company. Just call us or bring in your other policy and we would be glad to quote your other line of business and show you how much you could be saving.

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