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Briana Ray Agency
Auto insurance for Long Island drivers
Auto Insurance

Coverage that moves with your life

Auto coverage — on every road, in every season

Whether you're a daily commuter on Sunrise Highway, the LIE, or I-87, or you're heading out for weekend trips to Montauk, NYC, or Lake George, we help Long Island families protect what gets them where they need to go. As a local Bohemia agency, we write coverage for everything in your driveway — cars, trucks, SUVs, motorcycles, classic and collector cars, RVs, boats, and the teen driver you're a little nervous about handing the keys to.

What makes our auto coverage different isn't the policy — it's us. We've been named an Elite Insurance Agency seven years running, and we earned it the same way every year: by leading with service, not sales. We answer the phone. We text back. We email. We meet in person when that's easier. You talk to us the way that fits your life — in English or Spanish — and you get a real person who already knows your file.

We sweat the small stuff because the small stuff is what people miss. The discount you qualified for after your daughter went off to college. The coverage gap that shows up when you swap cars. The deductible that hasn't been revisited in five years. We catch those because we're paying attention.

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Coverage you can count on

If you've been in an accident, here's what to do

Make sure everyone is safe first — check on yourself, your passengers, and anyone in the other vehicle, and call 911 if anyone is hurt. Move to a safe spot if the cars are drivable, turn on your hazards, and call the police even for a minor accident (you'll want the report). Exchange information with the other driver, take photos of every angle, and file your claim right from the scene through the carrier's mobile app or online portal. Then call us — day, night, weekend. Even if you've already filed through the app, we'll walk you through what comes next, coordinate with the carrier on your behalf, and make sure nothing falls through the cracks while you focus on your family.

  • Personal Auto
  • Motorcycle
  • Classic & Collector Cars
  • Boat
  • RV
  • Teen Drivers
FAQ

Frequently Asked Questions

What's the minimum auto insurance required in New York?
New York requires liability coverage of at least 25/50/10 — $25,000 per person and $50,000 per accident for bodily injury, plus $10,000 for property damage. New York also mandates $50,000 in Personal Injury Protection (PIP / no-fault) and uninsured motorist coverage. These are legal minimums, not what most drivers actually need — we recommend higher limits for anyone with assets to protect.
What's the difference between liability and full coverage?
Liability pays for damage you cause to other people and their property. Full coverage adds collision (damage to your own car in an accident) and comprehensive (theft, hail, fallen trees, animal strikes). If your car is financed or leased, lenders almost always require full coverage.
How can I lower my auto insurance premium?
The biggest levers are raising your deductible, bundling auto with home, maintaining a clean driving record, improving your credit, and enrolling in any telematics program your carrier offers. We catch these in your annual review — including the discount you qualified for after your kid went off to college, or the savings from a new car alarm.
Does my auto insurance cover me if I drive to another state?
Yes. A standard auto policy follows you across state lines for personal travel within the U.S. and Canada. If you're renting a vehicle on a long trip, call us before you go so we can confirm any gaps.
Do you cover motorcycles, boats, RVs, and classic cars?
Yes — we write separate specialty policies for motorcycles, boats, ATVs, RVs, and classic / collector vehicles. These aren't automatically covered by your personal auto policy, so if you own any of them, make sure we know.
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Trusted by 4,000+ Long Island drivers — Elite Insurance Agency, seven years running

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