Long Island insurance brokerage
Car insurance for drivers other companies turn away.
Assigned-risk and high-risk auto insurance for new, teen, student, and hard-to-insure drivers, plus home and business coverage, from a local Long Island broker.
Independent brokerWe compare carriers for you
Assigned-risk specialistsWe file NYAIP applications
Long Island localAll NY clients welcome
Your wayCall, text, or email
Insurance we offer
Coverage for your car, your home, and your business.
Assigned Risk Auto Insurance
Our specialty. Declined, canceled, or just starting out? We place new, teen, student, permit, and high-risk drivers through New York’s assigned-risk plan.
Learn more
Auto Insurance
Personal auto coverage for Long Island drivers
Learn more
Homeowners Insurance
Home, belongings, and personal liability
Learn more
Flood Insurance
NFIP and private flood for Long Island homes
Learn more
Business Insurance
Coverage built around how your business works
Learn more
Business Owner’s Policy (BOP)
Property and liability bundled for small businesses
Learn more
Commercial General Liability (CGL)
Injury and property damage claims against your business
Learn more
Workers Compensation
New York employer coverage for your team
Learn more
Who we help
The drivers other agencies send away.
Most people who call our office have already been told no somewhere else, or quoted a price that made no sense. That is the work we know best.
New drivers
First policy, no driving history, no prior insurance on file. We know which carriers will write you and when the assigned-risk plan is the better route.
Teen drivers and their parents
Adding a 16 or 17 year old with a junior license is one of the biggest jumps a household sees. We lay out the options side by side.
College students
Stony Brook, Suffolk County Community College, Farmingdale State and other campuses. Your own policy or a parent’s, priced both ways.
Learner permit households
Getting ready for the road test? We set up the car and the household policy correctly before the test and the day after you pass.
Tickets, accidents, and points
A rough driving record does not mean you cannot be insured. It means you need a broker who works with the assigned-risk plan.
Lapsed or canceled coverage
Canceled for non-payment, or let a policy lapse? In New York that can put your registration at risk. Call before it gets worse.
How it works
Getting insured, in three steps.
When insurers will not write a policy on their own, New York’s Automobile Insurance Plan makes sure you can still drive legally. We handle the application.
- Tell us your situation
License status, driving record, the car, and what happened with your last insurer. No judgment, just the facts we need.
- We check every route
If a standard or non-standard carrier will take you, that is often cheaper. If not, we prepare and submit your assigned-risk application.
- Get covered, then save
We review your policy at renewal and move you to a better carrier as soon as your record allows.
Client reviews
Five stars from people we helped.
Assigned Risk Auto Insurance
All Suffolk Brokerage was extremely helpful in explaining my assigned risk auto insurance options. The process seemed complicated at first, but they made everything easy to understand. Great customer service.
Auto Insurance
Great experience getting auto insurance through All Suffolk Brokerage. They were quick to respond, explained my coverage options, and made the entire process straightforward. Highly recommend!
Assigned Risk Insurance
I was having a hard time finding auto insurance and wasn’t sure what to do next. The team at All Suffolk Brokerage walked me through the assigned risk process and answered all my questions. Very professional and helpful.
Why a broker
We work for you, not for one insurance company.
A captive agent can only sell one company’s policy. As an independent brokerage, we compare what is available to you and walk you through what you’d gain or give up with each one.
| Feature | Captive agent | All Suffolk Brokerage |
|---|---|---|
| Compares more than one insurance company | No | Yes |
| Can apply to the NY assigned-risk plan for you | Sometimes | Yes |
| Re-shops your policy as your record improves | No | Yes |
| Local office for ID cards, changes, and claims help | Varies | Yes |
Students & young drivers
Commuting to class shouldn’t cost more than tuition.
Young drivers pay the most for car insurance in New York, and students often get caught between a parent’s policy and their own. We sort out what makes sense for your household.
- Your own policy versus staying on a parent’s, priced both ways
- Discounts some carriers offer for good grades or a driver-training course
- What changes when you move off campus or bring a car to school
- Assigned-risk placement when a young driver is declined elsewhere
Already a client?
Help after the sale, from the same office.
Call or text (631) 906-7824. You talk to the people who placed your policy.
ID cards & proof of insurance
Need an insurance card for the DMV, a dealer, or a lender? Ask the office and we will get it to you.
Policy changes
Adding a car or a driver, a new address, a lienholder. Tell us and we update the policy.
Billing questions
Missed a payment or got a cancellation notice? Call before the date on the notice.
Claims help
We help you report a claim to your insurer and explain what happens next.
Where we work
Long Island is home. All of New York is welcome.
Our office is in West Babylon, and most of our clients live and work in Suffolk and Nassau counties. If you are somewhere else in New York State, we can still help: quotes, applications, and ID cards are all handled by phone, text, and email.
- Suffolk & Nassau focusWe know Long Island roads, towns, campuses, and the carriers that write here.
- Anywhere in New YorkOutside Long Island? We place auto, home, business, and workers comp coverage for clients across the state too.
- No trip requiredEverything from the first quote to your proof of insurance is done remotely.
Long Island local guides: West BabylonStony BrookSelden & CentereachRonkonkomaBrentwood & Central IslipBay Shore & IslipPatchogue & MedfordHuntington StationRiverheadNassau County
Questions
What people ask us most.
Don’t see your situation here? Call the office. If we can’t help, we’ll tell you who can.
What is assigned risk auto insurance in New York?
When insurance companies decline to write a policy for a driver on their own, the New York Automobile Insurance Plan (NYAIP), often called the assigned-risk plan, assigns that driver to a participating insurer. You get a real policy that meets New York’s requirements, at rates set under the plan.
A broker who works with the plan prepares and submits the application for you. That is a big part of what we do every day.
Can a teen or a driver with a learner permit be insured?
Yes. How permit holders are handled depends on the insurer. Some policies extend coverage to a permit holder practicing in a household car, while others want the new driver listed. We review your household policy and tell you exactly what needs to change before and after the road test.
My policy was canceled for non-payment. Can you still help me?
Yes. A cancellation for non-payment or a lapse in coverage makes some carriers hesitate, but it does not mean you cannot be insured. In New York, driving or keeping a registered car without insurance can lead to registration and license problems with the DMV, so call us as soon as you can.
How much does assigned risk insurance cost?
It depends on your driving record, your age and experience, the car, where it is garaged, and the coverage you choose. Assigned-risk rates are usually higher than the standard market, which is why we check other carriers first and review your policy at every renewal to move you to a better rate as soon as your record allows.
Can I do everything by phone?
Yes. Quotes, applications, documents, and ID cards can all be handled by phone, text, and email. Our office answers weekdays 9 AM to 6 PM and Saturdays 9 AM to 2 PM.
Do you only work with Suffolk County drivers?
Suffolk County is home, but we place coverage for drivers and families across Long Island, including Nassau County, and throughout New York State.
Turned down somewhere else? Call us before you give up.
Tell us what happened. We’ll go over your options, including the New York assigned-risk plan, and tell you honestly what it will take to get you insured.