The Ryan Agency Insurance Hornell NY

The Ryan Agency. We serve all of New York and Pennsylvania with concentration in the Greater Hornell Area including Allegany, Steuben and Livingston Counties. Our agency has worked to maintain a customer focused reputation for nearly 50 years.

 

We are an Independent Agency representing several top-rated insurance companies. Let us find the most competitive companies for insurance programs that fit your unique situation. We will show you how to save smart and keep covered.

 

For insurance protection you can rely on, contact The Ryan Agency today.

What is Save Smart?

Saving Smart on your insurance is about reducing your cost for insurance without sacrificing your most critical coverage. A Smart Saver uses strategies that reduce their overall insurance premiums while still passing the risk of catastrophes on to their insurance company. Isn't that what insurance is for?

 

The Ryan Agency wants to help you “s t r e t c h” your insurance dollar AND provide you with the valuable coverage you want and need. You can talk to them by calling 324-7500 or visit www.RyanAgency.com for more information on the Smart Saver Program.

 

Strategy #1 – Take a Defensive Driving Course (NYS Point/Insurance Reduction Course) Take an approved New York State Defensive Driving Course and you will receive a 10% discount on your auto insurance major coverages. Click here to learn more>

Strategy #2 – Combine your Auto & Home Insurance with the same company

Multi-policy discounts can potentially save from 5 to 15% on both your auto and home insurance policies. Although this strategy may not provide you with the lowest overall cost, it is certainly worth a look. (If you are currently insured through the same company for both your auto and home, you are already taking advantage of this strategy.)

Strategy #3 – Utilize Higher Deductibles – Remove Comp & Collision on Older Vehicles

Many people still carry low deductibles on their Home and Auto Insurance coverages. However, your insurance rates will be lower if you carry higher deductibles. The savings gained by using this strategy can pay for itself in as little as 2-3 years, even if you have a loss with the higher deductible. You may also want to consider removing Comprehensive and Collision on older vehicles.

Strategy #4 – Review your Discounts.

Insurance companies offer a wide range of discounts. If you have not reviewed the rating on your Auto or Home insurance in some time, you may find new discounts to which you are entitled. Ask one of our staff members to review the discounts you are currently receiving and for those which you might be eligible. We love to find discounts for our clients.

Strategy #5 – Reduce your number of payments.
Most insurance companies now offer significant discounts if you pay your insurance bill up front, by Electronic Funds Transfer (EFT) or with fewer payments. Some companies reward customers up to 10% for making fewer payments or with EFT.