Skip to content

Auto Insurance


Some 286 million passenger vehicles were registered in the United States in 2023.

The road is full of many unknowns and try as we might, we can never know what is going to happen. It is for these reasons that Auto Insurance is essential. At Colstan & Associates Inc., we will provide you with an effective policy at an affordable rate.

While it’s important to find a car insurance plan that stays within your budget, it’s just as vital to choose one that will keep you and your assets completely protected, while you’re on the road. We offer an assortment of policies that will do just that. Our policies include liability, comprehensive, and collision coverage as well as a variety of beneficial optional coverages.


Saving money on college students is always welcome advice. There are several options for college-aged drivers that keep your auto premiums affordable, while they are away at school.


100-mile, no car rate reduction

Many schools won’t allow on-campus cars for underclassmen.

If your student is attending a college or university more than 100 miles away from home, and will not be bringing an automobile, Auto Insurance policies can be adjusted for savings, without losing driver coverage at home.


College Student Driver Auto Policies and Out-of-State Insurance

Colstan is your family’s stress-free insurance company. If your student is attending school in the state and bringing their vehicle, we can add them to the policy as a full-time student driver.


Out-of-state? No problem. Colstan is licensed in multiple states across the region, so we can continue to be your family’s first line of assurance no matter where they go.


Vanishing Deductible – If you are a safe driver, many insurance companies will lower your collision deductible after you have had a certain length of time without any accident claims.


Replacement Cost Coverage – In the event your car is totaled, this coverage will cover the full cost of replacing the vehicle. Standard policies will only pay out the current market value of a car, which takes depreciation into account. Cars depreciate quickly, so Replacement Cost Coverage provides security by ensuring the full cost of a new car is covered.


Medical Coverage – This plan provides coverage for any injuries that you, the other driver or any/all passengers undergo during an accident. If your health insurance plan has low limits, it would be advantageous to add medical coverage to your auto insurance. Medical coverage will kick in after you have exceeded your health insurance limits.


Emergency Roadside Assistance – If you experience car failure on the road, Roadside Assistance Coverage will provide you with towing, changing flat tires, delivering gas, jumping the car’s battery, and other additional services.


Uninsured Motorist Protection – This covers costs if you are in an accident with an uninsured driver.

  • Policies can be customized to include these coverages – they are not automatically included.


Multi-Policy – You could save over 10% when you place your auto and home, condo, or renters insurance with our agency.


Multi Car – Receive a discount if you insure two or more cars.


Good Student Discount -Receive a credit if a driver on your policy is in high school or college and maintains a “B” or better grade point average.


Home Ownership -You could receive a discount if you own your home or condo. visit our site for more info, or call us at 631-266-2800


Our car insurance companies offer knowledgeable personal claims specialists, dedicated to serving you better.


If you take a defensive driving course, you could see a reduction in your auto insurance premium. Upon completion of an in-person or online course, you will be issued a course completion certificate. Submit this certificate to our agency and the savings will become effective on the date that the course was completed, as per the certificate. Defensive driving certificates are active for three years.


If you are a dog or cat owner, we can offer coverage for your pet if he or she is injured in your vehicle? That’s right! If your pet is traveling in your car at the time of loss, Pet Injury Coverage helps you pay for the care they will need. Best of all, it’s free! With NO deductible.


You can receive a discount if you drive less than 10,000 miles a year.


Contact our agency to learn more about the Annual Mileage Credit and other discounts that may be available to you.


Call today and start Saving 631.226.2800 or   GET A FREE INSURANCE QUOTE TODAY