June 2, 2017
Summer Engagements

Summertime is popular for BBQ's, boating, swimming, family parties and engagements! When you think of getting engaged to the one you love, the last thing you associate engagement with is insurance but, it should be one of the first things you think about. When purchasing the perfect ring, the store will offer you insurance also. […]

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May 25, 2017
Rental Car Reimbursement Coverage Learned The Tough Way!

While driving near Glens Falls we heard a big bang behind us as we were sitting in traffic. In a split second, We realized that the driver 3 cars behind us didn’t see the line of stopped cars. He crashed into the two cars behind us at about 60 mph, slamming those vehicles into ours. […]

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May 22, 2017
What Is Covered Under Pet Insurance?

What is covered under Pet Insurance Pets are vastly becoming a more important part of our lives and people are seeing their pets as a part of their family. I have had several people ask me about Pet Insurance and what does it cover. There are several plans out there to choose from like: accident […]

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May 16, 2017
You Need Life Insurance!

​Many people think that life insurance is only for married couples with children; in reality, it can benefit people under many different circumstances. The thing to remember is that life insurance is not for the policyholder, but rather for those that the policyholder leaves behind. While these beneficiaries can be children, they can also be […]

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May 11, 2017
Be Careful When Night Driving

 A little extra caution can go a long way while driving at night Summer has ended, Saratoga Racetrack is closed fall is in the air. While fall and winter have their own pleasures –it will start to get dark earlier and earlier, longer nights mean increased danger on the roads. You might think you drive just […]

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May 2, 2017
5 quick tips on getting your yard safe and ready for spring.

5 Tips on getting your yard safe and ready for Spring and how this can help your homeowners insurance. Spring time is finally upon us, and everyone is anxious to get outside and enjoy the nice weather! In the beginning of Spring, the first thing you usually do is start getting your yard ready for the warm […]

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April 27, 2017
Tips To Help Keep Your Teen Driver Safe On The Road

It’s an exciting time in teens’ lives when they first begin driving, but it’s also an extraordinarily dangerous time. That's why teen driver safety is so important. According to the National Highway Traffic Safety Administration (NHTSA), motor vehicle crashes are the leading cause of death for kids and young adults ages 14 through 18 and […]

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April 25, 2017
What makes Cote Agency unique from other insurance agencies?

The Cote Insurance Agency is unique in many ways but one of the major differences between us and other insurance providers is that we work for the client not the insurance company. Our goal when speaking to a client is making sure they have the best coverage for themselves and their families, our second goal is […]

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April 19, 2017
Top 10 Factors That Affect Life Insurance

Have you ever wondered how an insurance company would rate for life insurance, or why someone may pay more or less than someone else? I have listed the top 10 factors of what information the companies look at to determine your individual rate. Your Age- Experts often recommend buying a policy when you are young. […]

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April 17, 2017
How Insurance Agents Can Gain Trust

How Is Trust Earned between an Insurance Agency & Clients In today's day and age, especially in the  insurance industry it is very important to build a trusting, reliable relationship between insurance agents and their clients.  With all the competitive companies, different distribution channels and agencies out there it is a priority that the client feels comfortable knowing that […]

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April 12, 2017
Should you take a household inventory?

Clients often ask us if they should take a household inventory to be prepared in case of a loss. The short and simple answer to this question is YES! Taking a household inventory can help you in the event of a burglary, fire or any other disaster. By taking the time and cataloguing your possessions, you will […]

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April 5, 2017
Spring Motorcycle Safety

If you're a motorcycle rider like I am you're chomping at the bit waiting for spring. Once the snow is melted and the sun is out most riders are eager to get their Hogs out on the road. Whether you're a new or seasoned rider, riding an Indian, Harley, Vespa or anything in between here […]

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March 29, 2017
How Often Should You Have Your Insurance Policies Reviewed?

How often should you have your insurance policies reviewed? Your insurance policies should be reviewed with your agent every year. Reviewing your insurance policy is an important part of understanding what your insuring and how much coverage you have for your assets. Every year may seem like a lot but, in one year so many […]

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March 22, 2017
Do I Need Umbrella Insurance?

Do I need umbrella Insurance? I get asked this question often on whether or not my clients need an umbrella policy. So, my questions to them are the following: 1.Do you have children still living in the home? 2.Do you own your home? 3.Have you built an investment portfolio or have a retirement savings account? […]

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March 16, 2017
Fireplace Safety

Even though the first day of spring is in less than a week, unfortunately I don't see warm weather in our near future. Do you use a wood fire place to warm your house? Are you using all the correct precautions to keep your family and home safe from fire? An average of 42% of […]

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March 8, 2017
Advantages of Having an Insurance Agency VS. Purchasing Online

Purchasing Insurance:  Advantages of having an Insurance Agency vs. purchasing online When the need arises to obtain Insurance for yourself or your family there are 2 options available.  You can either purchase thru an Agent or purchase directly from the Insurance Company itself. Here are some advantages of having a local Insurance agent to help […]

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February 28, 2017
What “helping” means to me professionally.

What “helping” means to me professionally In the insurance industry “helping” can have different definitions to each individual agencies. The Cote Agency's mission statement tells exactly what our definition of “helping” is: We treat every client like family by providing outstanding service at the best price. Every time! To me this means doing the right […]

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February 22, 2017
When Should You Remove Collision Coverage From A Vehicle?

When should I remove collision coverage from my vehicle? Here is a question that my clients ask me often. When does it make financial sense for me to remove my collision coverage from my vehicle? There are a few ways to help you make this determination. When collision coverage premium is greater than 10% of […]

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February 17, 2017
Why Renters Insurance is Important

Why Renters Insurance is important Renters insurance can be a very inexpensive but necessary coverage that many people don't think about when renting. There are many misconceptions regarding what's covered and how things are covered as a tenant, including your personal property and if someone were to be hurt in your home. Landlord policies are […]

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February 14, 2017
Back To School Safety Tips

As kids head back to school, let’s keep them safe The end of summer means many things, such as cooler weather, shorter days and ... the start of football here in New York! But most important, it means kids are headed back to school. And that means we all should be extra careful on the […]

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Cote Insurance Agency provides home, auto, business, life and many other types of insurance throughout New York State including Glens Falls, Queensbury, South Glens Falls, Corinth, Greenfield Center, Wilton, Gansevoort, Saratoga Springs, Ballston Spa, Clifton Park, Schenectady, Scotia and Rotterdam. We also cover the counties of Albany, Schenectady, Saratoga, Warren, Washington and Rensselaer.
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