LTL Insurance Concepts

Tips for Finding an Agent

• Check for advanced agent licenses like CLU or ChFC
• If the agent is too busy to sit down with you, find a different agent
• Independent agents can provide quotes from multiple companies
• Captive agents can only price your coverage with one company
• Agents with more experience are better at spotting coverage gaps

Insurance Buying Tip

The next time your car insurance renews, talk to your agent about increasing the deductibles on physical damage coverage to reduce your premiums Auto insurance is more affordable if you plan to pay a little more out-of-pocket at claim time.

Call LTL Insurance Concepts at (631) 293-2828 or talk to them in Melville for insurance options.

Frequently Asked Questions

• How can I find an agent in Melville?
• Why do I need liability insurance?
• Can I drive on a suspended license in New York?
• Should I carry full coverage?
• What is an SR-22 requirement?