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Effective Coverage, Inc. Insurance

41 Elizabeth St #202 New York, NY 10013, United States
  • : 2129668880

Learn more about our products and coverages

At Progressive, we build our business around knowing you and every detail about the things you want to protect. We offer a wide range of insurance products to meet your needs, plus customized coverages.

Progressive offers a variety of insurance options for peace of mind on the road, under your roof, and in your daily life

Our name stands for forward motion and striving to do better

Just as we’re committed to bringing our name to life each day, we celebrate our employees for bringing their true selves to work in every way.

Since our founding in 1937, we’ve always felt differently about what we do and how we do it. The vision is to become consumers’ and agents’ no. 1 choice and destination for auto and other insurance requires a forward-thinking approach to everything we do.

Whether you’re looking for coverage, how we operate, a career, or maybe a recent announcement or financial report, get to know us by exploring these topics.


People who risk, learn, and grow

Our employees—Progressive people—are dedicated to making everything better for our customers and communities.

March 28, 2020


GEICO Auto Insurance New York

New york
  • : +1 718-866-3503

‘The leading Geico Auto Insurance provider in New York, NY. With Geico, you could be saving 15% or more on auto insurance. With representatives available 24 hours a day, call now for a quote and switch to a cheap and affordable insurance plan for your car, motorcycle, and much more!’

New York Car Insurance

Car Insurance In New York

New York drivingYou should know the basics about New York car insurance if you plan to drive here. Whether you live in the heart of New York City, on the shore of Lake Ontario, or anywhere else in the Empire State GEICO can help you get the coverage you need.

Learn more about the car insurance requirements in NY and see how much you could save with a free auto insurance quote that fits your budget.

How To Lower Your NY Car Insurance Premium

There are several NY premium reductions and discounts available that could save you money on GEICO car insurance.

New York Good Driver Discount

Available to policyholders if:

  • At least one of the main drivers on the policy has 5 years of driving experience
  • All covered drivers have been accident-free for five years leading up to the policy issue date, and
  • No drivers have any points assigned

This discount applies to Bodily Injury, Property Damage, Collision, and Personal Injury Protection coverages.

Good Student Discount

Policyholders could qualify for this discount if their son or daughter on the policy is between 16 and 24 years old and is either a full-time student (high school or college) or enrolled in a home study program.

Multi-Policy Discount

We love saving you money. New York residents who have more than one policy in their GEICO account (one being auto coverage) could get a discount on their New York car insurance premium. Examples include:

  • Auto and homeowners
  • Auto and renters
  • Auto and condominium
  • Auto and mobile home

Accident Prevention Course Credit

We also love to reward safe drivers. You could receive a premium reduction on your New York car insurance by taking a state-approved Accident Prevention Course.

New York Car Insurance Laws

New York, A No-Fault Insurance State

New York trafficIn the event of an accident, No-Fault auto insurance helps covered drivers and passengers get back on their feet by paying the insured’s bills, regardless of who was at fault. Financial costs are paid through the insureds’ Personal Injury Protection (PIP) coverage, which New York’s No-Fault Law requires all drivers to carry.

Personal Injury Protection in NY offers the following benefits if an insured is in an accident:

  • Medical and rehabilitation expenses
  • A portion of lost work earnings for up to three years
  • Death benefits
  • Other household expenses

How much car insurance coverage do I need in New York?

If your car is registered with the NY Department of Motor Vehicles, your insurance must meet the following New York liability coverage minimums:

  • Bodily Injury liability coverage: $25,000 per person and $50,000 per accident
  • Property Damage liability coverage: $10,000 per accident
  • Uninsured/Underinsured Bodily Injury coverage: $25,000 per person and $50,000 per accident
  • Personal Injury Protection: $50,000

While these are the minimum coverages New York requires you to have, everyone’s insurance needs are different. Visit our Coverage Calculator to get a personalized recommendation.

New York Teen Driver Laws

New York teen driverIf your teen is getting close to the driving age, you and your teen should know:

  • At age 16, people in New York become eligible for a learner permit. To receive the permit, drivers must pay the application fee and pass a written test.
  • The learner permit allows them to drive between 5:01 am and 8:59 pm with a parent, guardian or driving instructor and transport no more than one non-family member under age 21.
  • After six months with a learner permit and 50 hours of supervised driving (including 15 hours of night-time practice), a driver can test to receive a junior driver’s license.
  • Drivers who only have a junior license aren’t allowed to drive within the five boroughs of New York City, so it’s often beneficial to bypass the junior driver’s license until he or she qualifies for a senior license.
  • Outside of New York City, the junior license is valid with a series of curfew and passenger restrictions specific to each county.
  • At age 18 (or age 17 if the driver has completed a driver training course) drivers may apply for a senior driver’s license with no restrictions.

Please Help GEICO Assist You…

If you and/or your child has been the victim of domestic violence and you’re a GEICO policyholder, or if you’re involved in a claim that is being handled by GEICO, and you need your personal contact information protected, please review our information for New York Domestic Abuse Confidentiality.

March 27, 2020


NYC Metro Insurance

5907 175th Place Suite PH Fresh Meadows, NY 11365
  • : 718-205-8940
Our mission is to provide insurance and financial solutions for your personal and commercial needs.


With NYC Metro Insurance, you’ll get choices tailored to your individual requirements.



NYC Metro Insurance

Looking to Save Money on Insurance?

Our team of agents will work with you to find a policy tailored to your specific insurance needs while ensuring 100% customer satisfaction.

Auto Insurance

At NYC Metro Insurance Agency, we’ll tailor your auto insurance coverage to reflect the year, make, and model of your car.



Home Insurance

Prepare for the unexpected and save money on protection for your home and family. Our homeowner policies will cover the following, and many more



General Liability Insurance

We understand the risk if your business coverage does not provide the right protection, and we work diligently to tailor the correct plan and amount of insurance to avoid gaps in coverage



Life Insurance

We work with individuals and businesses to help accumulate, protect, and preserve assets, and to determine their short-term and long-term financial goals.



Our Agents are Diverse and Multilingual
March 26, 2020

Best Mortage Service In New York

$0.00 March 26, 2020


Great Northern Morrage Corporation In New York City,New York

1430 Broadway,Suite 1207
  • : 212-464-8100

Welcome to Great Northern Mortgage – Commercial & Home Mortgage Brokers in Manhattan, New York

Great Northern Mortgage Corp is a diversified New York based mortgage brokerage firm that specializes in providing unparalleled service through a broad range of loan products. Whether you are looking for Commercial Mortgage Broker, Super Jumbo Mortgage, New York home mortgage203k rehab loan or reverse mortgage requirements, or just do New York mortgage refinance of your current residence or commercial property, you have a lot riding on your decision. 

Since its inception, Great Northern Mortgage has quickly become a trusted name in the real estate industry as a mortgage broker for residential and commercial mortgages. Our clients are the driving force behind what we do, and it is the Company’s founding purpose to provide competitive products with the best rates and service. Our staff has many years of experience and knowledge working in this industry, and we can say with confidence that we will get the job done right.

As market conditions change frequently, our residential mortgage division welcomes an opportunity to help you with a purchase or refinance whether it is a house, condo, co-op, condop, townhouse, or a multifamily residence. Our loan consultants will help you with HARP 2.0 program, low refinance mortgage rates, no income check mortgage, reverse mortgage programs, jumbo mortgage rates, purchase and refinance of non-warrantable condos, coop loans, New York FHA loan, 203k home improvement mortgage, and foreign national mortgage loans.

GNCommercial, a commercial division of Great Northern Mortgage, Corp., helps commercial property owners and commercial investors structuring real estate commercial loans, such as hotel construction loans, apartment building loans, coop underlying mortgages, multifamily loans, shopping center financing, SBA loans, mixed use mortgages, construction loans and many other loan programs available in today’s market.


In a world of facts and numbers Great Northern Mortgage treats you like family. We are mortgage brokers located in Manhattan, New York and offer our clients the very best programs at the very best value in Pennsylvania, Florida and New Jersey.

March 26, 2020

Leptitox – Loose Weight Effectively

$0.00 January 12, 2020



New York
  • : +40765649643

What is Leptitox?

It is a supplement that will help you shed off excessive fats naturally by limiting its production in the body.

In addition to helping you with weight loss, Leptitox also keeps your blood pressure in check.

This product also helps to enhance your brain and your ability to fight stress.

All the ingredients used are natural and have been tested for effectiveness and also to ensure the supplement comes with no side effects.


The supplement is a lot more affordable than most weight loss strategies you might think of. You don’t need to join pricey gyms or change your current diet to lose those stubborn fats and weight. 

Leptitox comes with an iron-clad 60-day money back guarantee to help you try out the product risk-free.

For more information please visit http://bit.ly/2FGkN71

January 12, 2020