HMS Agency

Tips for Finding an Agent

• Do not rely on yellow page ads
• If the agent is too busy to sit down with you, find a different agent
• Independent agents can provide quotes from multiple companies
• Captive agents are limited to a single company's rates
• Check to see how long the agent has been in business

Insurance Buying Tip

To save money on car insurance, talk to your agent about increasing your comprehensive and collision deductibles to save money Car insurance costs less when you choose to pay a higher deductible at claim time. Call HMS Agency at (518) 452-9383 or talk to them in Latham for more information.

Frequently Asked Questions

• How can I find an agent in Latham?
• Should I raise my deductibles?
• How can I file an insurance company complaint?
• Should I carry full coverage?
• Why are premiums so high after a bankruptcy?