Straight answers, before you hand over any details.

We are not an insurance company. We are an independent insurance retailer working with a group of partner carriers and licensed agencies. The carrier that issues your policy sets the price, the terms and the claim decisions.

When you buy a policy through us, the carrier may pay us a commission. Our quote and consultation are free to you, and the commission does not add to your premium. We disclose how we're paid before you buy, and you see the full comparison rather than one option at a time.

No, and be careful with anyone who says otherwise. Premiums, eligibility and discounts are decided by carriers using their own rating rules. What we can do is quote several carriers, make sure you're comparing equivalent coverage, spot discounts you may be missing, and show you where you're paying for protection you don't actually have.

Enough to describe your situation accurately: the vehicles and how they're used, the drivers, where the car is kept, and what you pay at the moment. If you have your declarations page, a photo or a PDF saves time, though you can start the conversation without it.

The first call runs fifteen to twenty minutes. Real prices usually come back within one to two business days, depending on how complicated your situation is, and the walkthrough call afterwards takes around half an hour. Commercial and fleet quotes take a little longer.

Our desk is in Elmira, New York, and we help clients across the United States. Auto insurance rules, minimum limits and required forms differ from state to state, so we always confirm what applies where your vehicle is registered before quoting anything.

Never. We show you the options, explain them and answer your questions. Plenty of clients end up staying where they are, or making one or two small changes at renewal. Asking for a quote creates no obligation of any kind.

Yes. We can walk you through the process, help you get your paperwork in order, and follow up with the carrier while your claim is open. What we can't do is decide the outcome, because that sits with the carrier. If your matter turns into a legal dispute, please speak to a licensed attorney as well.

It's free. The quote and the consultation cost you nothing, and you're never obliged to buy. The purpose of the first call is to understand your situation and show you where your current coverage may be costing you more than it should.

Yes. What you send through this website is used to prepare your quote and policy and for nothing else. We don't sell or rent personal information to third parties. The details are set out in our Privacy Policy.

Yes, when you ask us for a quote. To get you real prices we share the details needed for underwriting with our partner carriers or agencies. We do not sell your information to anyone else.

We help you apply, send the details to the carrier, and keep you posted while the policy is issued. The carrier sends you the documents, and the policy terms, price and any claim decision stay with them. If something needs changing later, you call us and we handle it.

Send the form on our contact page, email info@autopolicydesk.com, or call (888) 334.6872 during business hours. Tell us roughly what you'd like quoted, and we'll take it from there.

Auto Policy Desk works from 323 Morrow Field Ave, Elmira, NY 14904, as a trade name of Amal Jahan Inc. Quoting can happen by phone or email, or in person at the office by appointment.