Fingar Insurance offers auto insurance for any vehicle like this sports car

Auto Insurance and Boat Insurance

Comprehensive and reliable auto, truck, and RV insurance coverage at competitive prices is what drivers want from their insurance company. And that’s just what Fingar Insurance delivers. Coverage that gives you and your vehicle the protection you need. You may find our rates surprisingly low…and get even better with the many discounts available!

Fast, Courteous Claim Service­­
Your insurance policy is only as good as the claim service that backs it up. When you file a claim, we go to work for you. And working together to represent you to your insurance carrier, our staff is always at your side. It’s the kind of friendly, personal attention you can expect from a company who’s been your neighbor right here in Columbia and Green Counties since 1931.

We know how auto and truck insurance coverage in New York State can sometimes be a complicated topic. We have tried to include information here that will give you a thorough understanding of the insurance coverages and which ones might be appropriate for you.

We’ll be happy to discuss your auto coverage anytime and hope you find the information here helpful in understanding your options

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Great Car Insurance at affordable rates is available from Fingar Insurance

Auto Insurance

The more you understand your auto insurance policy, the better we can work together to protect you. Following are some of the most commonly used terms. For a complete explanation of these and other insurance terms and coverages, you should always consult your agent.

Bodily Injury Liability Coverage
Pays claims against you, including the cost of your legal defense, resulting from injuries to other persons in an automobile accident for which you are legally liable.

Collision Insurance
Optional coverage that reimburses you for damage to your vehicle resulting from overturning or colliding with another object, including another vehicle, regardless of who is at fault.

Comprehensive Insurance
Reimburses you for damage to your vehicle from causes other than a collision or overturning, including hail, flood, theft, fire, glass breakage, falling objects, explosions, earthquakes, windstorms, vandalism or malicious mischief, riot or civil commotion and collision with a bird or animal.

The portion of an insured loss you pay before the insurance company starts picking up the bill.

Liability Insurance
Pays claims against you as well as your legal defense costs when you are legally responsible for an accident in which you have injured another person or damaged his or her property.

No-Fault Auto Insurance/Personal Injury Protection
Coverage through which the financial losses you, your passengers or a pedestrian sustain from an auto accident, such as medical and hospital costs and lost income, are paid by your insurance company regardless of who is at fault.

The amount you pay for insurance for a specific period of time, usually one year.

Property Damage
Pays for claims for your financial loss if you are found liable for physical damages to tangible property belonging to a third party.

Supplementary Uninsured/Underinsured Motorist Coverage
Uninsured Motorist coverage pays for injuries sustained by you and your passengers caused by an uninsured motorist or a hit-and-run driver. Underinsured motorist coverage pays when you or your passengers are injured as a result of negligence by someone with insufficient liability insurance to cover your losses.

Available limits

Combined Single Liability Limits






Split Limits








Property Damage Limits








Ways to Save on Auto Insurance with Fingar Insurance

Accident Prevention Course
10% discount for having taken an approved accident prevention course.

Anti-Lock Braking System (ABS)
 7% discount if your vehicle is so equipped.

Anti-Theft Devices (25% maximum total discount for Anti-Theft Devices.)

  • Discount of 5% each for having an alarm and/or vehicle identification number window etching.
  • A discount of 15% if your vehicle is equipped with a passive disabling device or a vehicle recovery system.

Multi-policy Program
Up to a 10% discount when you have both your personal auto and homeowners policies with the same company. (You could also save another 5% on your homeowners!)

Daytime Running Lights
Factory installed daytime running lights give you a 3% discount.

Loss-Free Discounts
If you have been loss-free for 48 months and conviction-free for 39 months. You can qualify for the discounts plus an additional 20% off the comprehensive and collision portions of your premium, for total savings of up to 30%!

Multi-Car Discounts
20% savings for having more than one vehicle on your personal auto policy.

Passive Restraints Discounts
20% if your vehicle is so equipped on the driver’s side; 30% if equipped on both the driver and front passenger sides. (Applies to factory installed front occupant restraints.)

Additional Vehicle Insurance Coverages
Fingar Insurance also offers a variety of related coverages, including protection for full glass, trailers, campers, motorhomes, motorcycles, snowmobiles, RVs and custom vans.

Personal Liability Umbrella Policy
Umbrella liability coverage goes significantly beyond even the highest limits available under the auto and homeowner’s insurance programs in New York to protect you against a wide range of personal liability hazards. In the event of a major lawsuit, it can help protect you against financial ruin, especially if your assets are substantial. The cost is modest compared to the available limits of liability – $1 million up to a maximum of $10 million.

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Motorhome/Camper/RV Insurance

This insurance covers recreation vehicles that provide you with temporary living quarters and are permanently attached to a chassis or van.

Collision and Comprehensive coverage – covers damage to the motor home itself.

Actual Cash Value – pays you the depreciated value of your Motor Home

Agreed Value – pays you up to the amount you have it insured for

Auto Liability – protects you while you are driving on the road

Premises Liability – protects you while your Motor Home is parked

Camper and Travel Trailer
This insurance provides coverage for non-motorized, portable units designed to provide you with living quarters for recreational and camping use. Travel trailers and campers do not require special highway permits when towed.

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Fingar Insurance provides motorcycle insurance for any vehicle like this 3 wheel cycle


With motorcycle insurance coverage you can choose how much and what kind of coverage your bike needs. Options include Bodily Injury and Property Damage Liability, Medical Payments, Roadside Assistance, and more.

Motorcycle insurance coverage for many types of bikes
We know how important it is to choose the right motorcycle insurance. With so many motorcycle insurance policies to look at, we provide the information you need to make the best decision. Motorcycle insurance coverage protects many types of bikes and ATVs, including cruisers, limited production cruisers, street sports, high performance, touring, sport touring, mopeds, scooters, and trikes.

Protect your bike with the following types of motorcycle insurance coverage:

Bodily Injury & Property Damage Liability (BI/PD)
BI/PD covers you if you’re at fault for an accident that injures another person or damages someone’s property, up to the limits you select.

Comprehensive & Collision
This motorcycle insurance coverage pays to repair or replace your motorcycle if it’s stolen or damaged in an accident, regardless of who is at fault. For each coverage, you select a deductible that you pay out of pocket. The insurance coverage pays for the remaining damage.

Uninsured/Underinsured Motorist (UM/UIM)
When the person at fault for an accident doesn’t have insurance or doesn’t have enough insurance, UM/UIM insurance will cover your injuries and damages that the at-fault party is legally liable for, such as medical treatment and lost wages.

Medical Payments
Medical payment covers the cost of necessary medical care you receive as the result of a motorcycle accident and can be used regardless of who is at fault. Med pay often is limited to medical treatment received within the first three years after an accident and is limited to a specific dollar amount. In some states, Med Pay only applies after other medical insurance is exhausted.

Custom Parts & Equipment
When you purchase comprehensive or collision motorcycle insurance coverage, at least $3,000 of accessory coverage for your custom parts and equipment is included in most states. Up to $30,000 of additional accessory coverage can be purchased to cover custom parts that exceed the included value.

Roadside Assistance
If your motorcycle breaks down, roadside assistance will pay to tow it to the nearest qualified repair facility. Roadside assistance also covers the necessary labor costs at the place of breakdown when your motorcycle or off-road vehicle is disabled due to any of the following:

  • Mechanical or electrical breakdown
  • Dead battery
  • Flat tire
  • Lockout
  • Insufficient supply of fuel, oil, water, or other fluids
  • Entrapment in snow, mud, water, or sand within 100 feet of the roadway

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Snowmobile Insurance is provided by Fingar Insurance


Auto and home policies rarely provide enough supplemental coverage for your sled. You can get insurance just for snowmobiles at very reasonable costs. This dedicated coverage can help keep you and your sled safe whether it’s in storage or out on the trail. Check out some of the basics:

Bodily injury liability
If someone is hurt in an accident you cause, this typically covers that person’s medical expenses.

Property damage liability
If you’re at fault in an accident that causes damage to another person’s property, this helps pay for the repairs to things like vehicles, homes and buildings.

Collision coverage
Reimburses the cost of repairing your snowmobile after a collision with another object, such as another snowmobile, tree or fence.

Comprehensive coverage
Covers damage done to your snowmobile due to: flooding, wind, vandalism, theft or other reason not involving a crash with another vehicle.

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Fingar Insurance provides complete boat insurance for your water craft

Boat Insurance and Personal Watercraft

Boats, personal watercraft, jet skis and more can all be written on a boat insurance policy.  Coverages for the boat, motor, watercraft liability, medical payments, personal effects and accessories can all be covered.  Also, coverages such as:

Roadside assistance for your trailer
Towing to the nearest qualified repair facility is provided at no additional cost when your tow vehicle or trailer is damaged or disabled. There’s no out-of-pocket cost to you for this coverage

On-water towing
With on-water towing and labor coverage service, $300, $500 or $1,000 per occurrence is paid toward towing and labor costs, depending on the amount of coverage chosen. Labor coverage applies when work is performed at the time and place of disablement, while the boat is in the water. On-Water Towing and Labor Coverage is a reimbursement coverage.

Coverage for your water skis
Coverage for your water skis is available at no additional cost

Fuel-spill protection
Unintentional oil or fuel spills that are your legal responsibility can be covered by boat policies.

Wreckage removal
The cost to raise, remove and/or destroy the wreckage if your boat or PWC sinks is covered.

Boat Liability coverage

Bodily injury liability
If someone is hurt in an accident you cause, this typically covers that person’s medical expenses.

Property damage liability
If you’re at fault in an accident that causes damage to another person’s property, this helps pay for the repairs to things like vehicles, homes and buildings.

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