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Looking for coverage? Click any of the following links to submit a quote for quick, accurate and affordable rates.


Auto Insurance Information

Let us do the shopping for you! 

As an independent agent we work for YOU not the insurance companies.

One click or call will put the professionals at Spirit to work for you, using our state of the art computer programs that shop the the countries highest rated insurance companies at once. 
 
In business over 25 years, we have developed long-standing relationships with over 30 national and regional insurance companies, allowing us to offer you the best rates and coverages available in the marketplace. 

Whether you have the ideal history the preferred companies desire, or have a more hard to place risk , we find the right coverage, with the best company, at the best price for you.


What is Auto insurance?



Auto 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.
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North Babylon, NY 11703
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