Innovative Planning Concepts
550 Smithtown Byp
Smithtown, NY 11787-5006
Phone: (631) 780-0200 | Fax: (631) 361-6677
Innovative Planning Concepts provides residents of Smithtown with advice and guidance when making important insurance decisions. Their office is located at 550 Smithtown Byp or call (631) 780-0200 to speak with an agent. Serving Smithtown and the greater Suffolk county area.
Looking for insurance agents in Smithtown, NY or just trying to lower your premiums? Here are some insurance buying best practices.
- Innovative Planning Concepts is an insurance services provider in your neighborhood and by talking with a licensed agent, you can help find adequate insurance coverages for your personal situation.
- Your Smithtown auto insurance rates can be reduced significantly by raising your collision and comprehensive or 'other than collision' deductibles. If you have an auto accident or your car gets damaged in a hail storm you'll have to pay more to have the damage fixed, but higher deductibles mean less premium each year and your savings may more than make up for the increased cost at claim time.
- Smithtown home owners can reduce their insurance premiums simply by raising their insurance deductible. A deductible is the amount of money you pay out-of-pocket when you have a homeowners insurance claim. By agreeing to pay a higher amount, your insurance company will reduce your homeowners insurance premium. As long as you don't have frequent claims, the savings on your lower premium could add up to more than the additional deductible you have to pay at claim time.
- You might save some money by buying a longer term policy. If you're paying monthly on your auto policy or your policy term is 6-months, you might save some money by paying the policy in full or buying an annual policy term.