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The RUOK Insurance Agency
  • For Individuals
    Personal Insurance Solutions
    • Auto Insurance
    • Boat Insurance
    • Classic & Exotic Cars
    • Course of Construction
    • Earthquake
    • Flood
    • High Net Worth
    • Home Insurance
    • Landlord
    • Life Insurance
    • Motorcycle
    • Motorhomes & Travel Trailers
    • Renters
    • Umbrella
    • Annuites
    Get started with your personal insurance quote ›
    • Start Personal Insurance Quote
    • Auto Insurance
    • Home Insurance
    • Condo Insurance
    • Landlord Insurance
    • High Net Worth
    • Earthquake Insurance
    • Flood Insurance
    • Life Insurance
    • Umbrella Insurance
    • Motorcycle Insurance
    • Boat Insurance
    • Powersports Insurance
    • Renters Insurance
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    • Business Owners Policy
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    • Excess / Umbrella
    • General Liability
    • Hired & Non-Owned Liability
    • Package Policy
    • Professional Liability E&O
    • Special Events
    • Surety Bonds
    • Workers Compensation
    Get a commercial insurance quote for your business ›
    • Start Business Insurance Quote
    • General Liability
    • Workers’ Compensation
    • Professional Liability
    • Business Owners Policy
    • Commercial Property
    • Cyber Liability
    • Directors & Officers
    • Employment Practices Liability (EPLI)
    • Surety Bonds
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    About Us
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    The RUOK Insurance Agency is here for all your insurance needs.

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Auto Insurance Quote

Auto Insurance QuoteGravity Certs2025-11-05T18:43:21-05:00

"*" indicates required fields

Step 1 of 19

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This field is for validation purposes and should be left unchanged.
Types of Insurance*
Name of family/friend who told you

Primary Applicant

Primary Insured Name*
SMS Consent
Date of Birth*
Motorcycle Endorsement?
Attended an Approved Motorcycle Safety Course?
Spouse Full Name*
Spouse Date of Birth*
Is there a Co-Applicant?

Co-Applicant

Co-Insured Name*
Co-Insured Date of Birth*
Co-Insured Motorcycle Endorsement?

Bundle Your Policies

Bundling your insurance policies home/renters, auto, and umbrella as a package can save you money, and gives you more access to better carriers and better rates. Its a great way to maximize coverage and value.
Would you like to bundle your policies?

Property Address

Property Address*
Mailing Address*
Have you lived at this address for about 24 months or more?*
Prior Address where you lived*

Homeowners Information

The insurance deductible is the amount of money you will pay in an insurance claim before the insurance coverage kicks in and the company starts paying you. When you have a deductible, you have to come up with the amount of money for your deductible before a claim gets paid in many circumstances.
If a claim were to occur, please indicate a deductible that you feel you and your family could afford.
If your house suffered extensive damage due to a Hurricane, would you and your family be financially stable if your policy contract had a deductible of: *
Is the property advertised for rent online?
Example: AirBnB, Zillow, etc
How many months per year do you reside at this property?
Is there a caretaker?
Do you require an annual lease?
Will the property be titled in a Trust or Corporation?*
Example: Trust, LLC, Corporation, Partnership, etc.
Was the home purchased through a short-sale or foreclosure?*
Is this a New Purchase?*
Will there be a Mortgage?
Are there multiple dwellings on this property?
Do you currently have a homeowners insurance policy?
Would you like a quote on flood insurance as well?*
While your homeowners insurance may pay for water damage due to broken pipes, flood insurance pays for damages caused by the rising of a body of water that covers normally dry land. The average year over year flood claim is $43,000
Do you have a whole home generator

Renters Information

Do you currently have a renters insurance policy?

Animals

Do you have dog(s)?
Include species and breed. (ex. a dog; chihuahua)
Any dogs have bite history?

Home Information

Is home newly built?
Only answer this question if home is currently under construction or was very recently finished being built.
Has Fireplace?
Has Pool?
Pool Type
Is Pool Fenced?
Does pool have a diving board?
Does pool have a slide?
Any trampoline?
Is the trampoline netted?
Has there been any updates to the Roof, Plumbing, Heating, or Electrical?*
Solar Panels?*
Solar Panels are*
Were solar panels installed with a cutoff for emergency services?*
Will the roof have to be replaced before the life expectancy of the solar panels?*
Does home have any detached structures?*
What types of detached structures?*
Are there currently any type of renovations or construction occurring on the property?*
Is there any existing damage or debris on the property?*
Any centrally monitored burglar or fire alarm systems?
Discounts available! Please note monitored alarms can be ONLY burglary, ONLY fire, or BOTH. Local can simply be smoke detectors or un-monitored alarm.
Community access discount?
If you would like to attach any pictures of your home inside and/or outside, please do so here.
Drop files here or
Max. file size: 3 MB, Max. files: 6.

    Valuable Items

    Most home insurance policies allow you to schedule valuable items to your policy such as jewelry, fine art, firearms, antiques, bikes, cameras, certain electronics, collectibles, musical instruments, silverware, etc. If you would like to include any of these items, please do so below. If an item is ineligible for scheduling to your policy we will let you know.
    Do you have any items you would like to schedule to your homeowners policy?*
    List of Scheduled Items
    Item Description
    Item Value ($)
    Do you have an appraisal?
     

    Additional Drivers

    Are there additional drivers in your household?*

    Additional Driver 1

    1. Driver Name*
    1. Is This Driver a Good Student (GPA 3.0 or above)?*
    1. Is This driver an Away Student, 100+ miles from home?*
    1. Is This Driver Retired?*
    1. Is Driver active or retired veteran of military, police, fireman, EMT, paramedic, or other first responder?*
    Add 2nd Driver

    Additional Driver 2

    2. Driver Name*
    2. Is This Driver a Good Student (GPA 3.0 or above)?*
    2. Is This driver an Away Student, 100+ miles from home?*
    2. Is This Driver Retired?*
    2. Is Driver active or retired veteran of military, police, fireman, EMT, paramedic, or other first responder?*
    Add 3rd Driver

    Additional Driver 3

    3. Driver Name*
    3. Is This Driver a Good Student (GPA 3.0 or above)?*
    3. Is This driver an Away Student, 100+ miles from home?*
    3. Is This Driver Retired?*
    3. Is Driver active or retired veteran of military, police, fireman, EMT, paramedic, or other first responder?*
    Add 4th Driver

    Additional Driver 4

    4. Driver Name*
    4. Is This Driver a Good Student (GPA 3.0 or above)?*
    4. Is This driver an Away Student, 100+ miles from home?*
    4. Is This Driver Retired?*
    4. Is Driver active or retired veteran of military, police, fireman, EMT, paramedic, or other first responder?*
    Add 5th Driver

    Additional Driver 5

    5. Driver Name*
    5. Is This Driver a Good Student (GPA 3.0 or above)?*
    5. Is This driver an Away Student, 100+ miles from home?*
    5. Is This Driver Retired?*
    5. Is Driver active or retired veteran of military, police, fireman, EMT, paramedic, or other first responder?*
    Add 6th Driver

    Additional Driver 6

    6. Driver Name*
    6. Is This Driver a Good Student (GPA 3.0 or above)?*
    6. Is This driver an Away Student, 100+ miles from home?*
    6. Is This Driver Retired?*
    6. Is Driver active or retired veteran of military, police, fireman, EMT, paramedic, or other first responder?*

    Vehicle 1

    1. Ownership*
    1. Vehicle Financed*
    Approximate months
    1. Towing?*
    1. Rental Car?*
    Add 2nd Vehicle

    Vehicle 2

    2. Ownership*
    2. Vehicle Financed*
    Approximate months
    2. Towing?*
    2. Rental Car?*
    Add 3rd Vehicle

    Vehicle 3

    3. Ownership*
    3. Vehicle Financed*
    Approximate months
    3. Towing?*
    3. Rental Car?*
    Add 4th Vehicle

    Vehicle 4

    4. Ownership*
    4. Vehicle Financed*
    Approximate months
    4. Towing?*
    4. Rental Car?*
    Add 5th Vehicle

    Vehicle 5

    5. Ownership*
    5. Vehicle Financed*
    Approximate months
    5. Towing?*
    5. Rental Car?*
    Add 6th Vehicle

    Vehicle 6

    6. Ownership*
    6. Vehicle Financed*
    Approximate months
    6. Towing?*
    6. Rental Car?*
    Add 7th Vehicle

    Vehicle 7

    7. Ownership*
    7. Vehicle Financed*
    Approximate months
    7. Towing?*
    7. Rental Car?*
    Add 8th Vehicle

    Vehicle 8

    8. Ownership*
    8. Vehicle Financed*
    Approximate months
    8. Towing?*
    8. Rental Car?*
    Add 9th Vehicle

    Vehicle 9

    9. Ownership*
    9. Vehicle Financed*
    Approximate months
    9. Towing?*
    9. Rental Car?*
    Add 10th Vehicle

    Vehicle 10

    10. Ownership*
    10. Vehicle Financed*
    Approximate months
    10. Towing?*
    10. Rental Car?*

    Golf Cart(s) Information

    Is golf cart financed?
    Is golf cart registered for street use?
    Where will the golf cart be stored?
    Add 2nd Golf Cart

    Golf Cart 2

    Is golf cart financed?
    Is golf cart registered for street use?
    Where will the golf cart be stored?

    Motorcycle Information

    Has the frame been modified to trike?*
    Is this Modified frame, nitro oxide, turbo, or supercharger?*
    Anti-lock Brakes?*
    Anti-Theft*
    Is this an off-road use vehicle?*
    Is there a Lien Holder or Additional Interest for the motorcycle?*
    Bank Name

    Motorcycle Coverages

    Enhanced Injury Protection
    Physical Damage
    Roadside Assistance
    Carried Contents
    Transport Trailer Coverage?

    Boat Information

    This is the ID number assigned to your boat by the state.
    Insure the Trailer?

    RV, Trailer, or Camper Information

    Please enter a number greater than or equal to 2.
    Original Owner?
    Is there a lienholder?
    Is RV parked at a single location year round?
    Is RV rented commercially or used for business purposes?
    Is RV rented out to others?
    Is RV taken to/from work or used at a work location?

    Primary Applicant Life Insurance

    Nicotine User?*
    Have you been hospitalized in the last 5 years?
    Family Members
    Age of Parents & Siblings
    Any known diseases
    Age of Death (if deceased)
    Cause of Death
     
    Click the (+) icon to add additional family members.
    Beneficiaries
    Name
    Date of Birth
    Relationship to Applicant
    Address
    % of share
     
    Click the (+) icon to add additional beneficiaries.
    Does Co-Applicant need life insurance?*

    Co-Applicant Life Insurance

    Nicotine User?*
    Has co-applicant been hospitalized in the last 5 years?
    Family Members
    Age of Parents & Siblings
    Any known diseases
    Age of Death (if deceased)
    Cause of Death
     
    Click the (+) icon to add additional family members.
    Beneficiaries
    Name
    Date of Birth
    Relationship to Applicant
    Address
    % of share
     
    Click the (+) icon to add additional beneficiaries.

    Umbrella Coverage Information

    450 acres maximum, development excluded
    3 lots max, 3 acres per lot

    Underwriting Questions: Auto, Motorcycle, Boat, RV, Golf Cart

    You hurt somebody coverage
    You hit something coverage
    Do you own the place you live in? (Discount Question!)*
    Defensive Driver Course taken within the last 36 months? (Discount Question!)*
    Are you willing to put a telematics computer on your vehicle(s) if it meant you could get a discount now or down the road?*
    Any lapse in Auto insurance in the past year?
    Do you have any auto insurance currently?

    Underwriting Questions: Property, Homeowners, Renters, Condo, Landlords

    Any lapse in Home insurance in the past year?*
    Has coverage on this property been cancelled, rejected, or non-renewed in the last three years?*
    Will the property be occupied within 30 days of the effective date?*
    Example: Water Damage on 5/10/2015, $30,000 Paid Out Claim is Closed.

    Wrapping Up

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    Max. file size: 20 MB.
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      Like most insurance agencies, we use information from you and other sources, such as your driving and claims histories, insurance score, and other factors to calculate an accurate rate for your insurance. New or updated information may be used to calculate your renewal premium.
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      National Producer Number: #20506178
      New York License: #1760302
      Pennsylvania License: #1110998
      Maryland License: #3002382370
      New Jersey License: #3002382799

      The RUOK Insurance Agency
      63 Putnam Street Suite 202
      Saratoga Springs, New York 12866
      Phone: 518-207-9500
      Secondary phone: 844-444-7865
      Fax: 631-546-5441
      Mailing Address

      1549 Main Road
      Riverhead, New York 11901
      Phone: 631-876-1231

      Office Hours

      Mon-Fri 9:00am – 4:30pm

      Fri 9:00am – 4:00pm

      Sat by appointment only, or click here to start your insurance quote online.

      Sun Closed

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      Licensed to provide insurance services, home insurance, auto insurance, life insurance, and commercial insurance for businesses, in Maryland, New Jersey, New York, Pennsylvania, with our office located in New York. Serving our local communities throughout Albany, Amherst, Babylon, Brookhaven, Buffalo, Cheektowaga, Clarkstown, East Hampton, Greece, Greenburgh, Hempstead, Huntington, Islip, New York City, North Hempstead, Oyster Bay, Riverhead, Rochester, Saratoga Springs, Shelter Island, Smithtown, Southampton, Southold, Syracuse, Yonkers, and the surrounding areas.

      DISCLAIMER: Informational statements regarding insurance coverage are for general description purposes only. These statements do not amend, modify or supplement any insurance policy. Read your policy or consult with your agent for details. Your eligibility for particular products and services is subject to final underwriting and acceptance by the insurance company providing such products or services. This website does not make any representations that coverage does or does not exist for any particular claim or loss, or type of claim or loss, under any policy. Be sure to read the policy, including all endorsements, or prospectus, if applicable.

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      Insurance Fraud Statement

      Fraud is a crime

      If your application contains purposefully misleading, absent, or inaccurate information, you could be charged with fraud. Your insurance carrier could potentially void your policy, or you could face civil or criminal charges or penalties.

      Any person who knowingly and with intent to defraud any insurance company or other person, files an application for insurance or statement of claim containing any materially false information or conceals, for the purpose of misleading, information concerning any fact material thereto, commits a fraudulent act, which is a crime.

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