Independent insurance retailer. We are not an insurance company. Policies are issued by licensed carriers.

323 Morrow Field Ave, Elmira, NY 14904

Our services

Coverage, quotes and advice, service by service.

Here's what each piece of work involves. If you're not sure which one fits, call the desk and describe your situation. We'll point you in the right direction, even when that means telling you that your current policy is already fine.

Before anything else: Auto Policy Desk is a trade name of Amal Jahan Inc, an authorized independent insurance retailer. We are not an insurance company. We work with a group of partner carriers and licensed agencies, we may be paid a commission by the carrier when you buy a policy through us, and every policy is issued by a licensed carrier on that carrier's terms.

Personal auto coverage and quotes

This is most of what we do. We quote liability limits, collision and comprehensive deductibles, medical payments, uninsured and underinsured motorist coverage, and the endorsements your state allows, using your real driving profile rather than a general one.

  • One car, a household with several cars, or adding a driver
  • Newly licensed drivers, older drivers and students living away from home
  • Low mileage and telematics programmes, and what you give up for the discount
  • Gap coverage, rental reimbursement and roadside assistance

Home, renters and property

Your car policy won't rebuild the house. We quote your property coverage next to your auto policy so the two work together, and so you can see what a bundle actually saves instead of what the advertising claims it does.

  • Dwelling coverage, replacement cost and how your deductible is structured
  • Contents, scheduled valuables and personal liability limits
  • Water backup, wind, flood and the other perils people assume are included
  • Umbrella coverage, where your assets justify the extra layer

Commercial auto and small fleets

If a vehicle earns money, a personal policy is the wrong tool. We help contractors, couriers, owner operators and small fleets find commercial coverage, and we sort out the documents their clients and contracts usually ask for.

  • Commercial auto, hired auto and non owned auto exposure
  • Scheduling vehicles and drivers, and how that affects what you pay
  • Certificates of insurance and additional insured requests
  • Cargo, tools and how general liability fits alongside it

Motorcycle, RV and classic vehicles

Specialty vehicles are rated on different rules. We compare agreed value against actual cash value, seasonal use and lay up terms, and the accessories and modifications that standard policies tend to overlook.

  • Motorcycles, trikes, scooters and off road vehicles
  • Motorhomes, travel trailers and fifth wheels
  • Classic, collector, antique and modified vehicles
  • Storage, restoration and limited mileage endorsements

Bundling two or more policies

A bundle and save banner is advertising. The arithmetic is what matters. We compare bundled and unbundled combinations across our partner carriers to see whether the discount is real once the individual limits are matched.

  • Auto with home, renters or life cover
  • Matching limits first, comparing price second
  • Discount eligibility: several cars, safe driver, paperless, paid in full
  • Where a cheaper premium quietly lowers your protection

New driver, new vehicle and first policy

Buying a first car, or adding a teenager to the household policy, is where expensive habits start. We explain the choices in the right order: limits first, deductibles second, price third.

  • First time buyers and first vehicles, start to finish
  • Adding a newly licensed driver to an existing household policy
  • What to sort out before you drive a newly purchased car away
  • Moving between states and what has to change

Policy, renewal and claim reviews

Coverage drifts as life changes. At renewal we read the declarations page again, check that your discounts are still being applied, and walk you through the claim process before you need it, so the phone number is already saved in your contacts.

  • Limits and deductibles checked each year or at renewal
  • Premium increases explained: what changed, and why
  • A walkthrough of the claim process and what to have ready
  • Help with the claim paperwork, and follow up with the carrier while a claim is open
A silver SUV parked in the driveway of a suburban home in autumn
Written down, not just talked about. You keep a copy of every quote and every piece of advice.

What you receive

Real numbers and a straight answer.

At the end of the process you get a short summary of what changed, what didn't, and what we'd do in your position.

  • Quotes you can read. Your current coverage next to the options from our partner carriers, with limits aligned so the numbers mean something
  • The differences that matter. Exclusions, conditions and the questions worth putting to a carrier
  • Our honest opinion. Including "stay where you are" when that is genuinely the better answer
  • Help buying, if you want it. We handle the application and the paperwork, or step back if you'd rather do it yourself
Get a free quote

How it runs

Simple, documented, and on your timetable.

01

Discovery call

Fifteen to twenty minutes to understand your vehicles, your household or your business, and what you're paying today.

02

Quotes built

We run your details through our partner carriers and align the limits, so the price comparison is a fair one.

03

Advisory session

We go through the findings, the trade offs and our recommendation. You're under no obligation to buy anything.

04

Buy, or don't, and stay in touch

We help with the application if you decide to go ahead, and we check your coverage again at renewal either way.

Confidential by default. What you share with the desk is used to prepare your quote and policy and for nothing else, in line with our Privacy Policy. We never sell client information.

Ready when you are

Send us what you have, and we'll show you where it stands.

Call the desk or send the form. We'll get real prices from the partner carriers we work with, compare them with what you pay today, and tell you honestly whether a change is worth making. Your quote is free and there's nothing to sign.

Get a free quote (888) 334.6872
Call (888) 334.6872
Monday to Friday, 9:00 AM to 6:00 PM ET
Email info@autopolicydesk.com
Replies within one business day
323 Morrow Field Ave, Elmira, NY 14904
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