Reviewed by Hernan Picalomino, Licensed NY Insurance Broker (P&C), HP Advisory Group
Find & Fix Coverage Gaps Before They Become Expensive Surprises
HP Advisory Group helps Suffolk County drivers fix insurance coverage gaps before they become expensive surprises. Get a free, no-pressure auto coverage review from local insurance agents, instead of a call center.
HP Advisory Group
Serving Suffolk County drivers across Commack, Smithtown, Babylon, Huntington, and every Suffolk community.
Find out what “full coverage” really means for you
Know your real deductible before you need it
Check your uninsured motorist protection
A real person reviews your policy, not a bot
Suffolk County
SERVICE AREA
2017
OPEN SINCE
182+
GOOGLE REVIEWS
3.9 ★
GOOGLE RATING
HP Advisory Group
Local Insurance Agents
Serving Suffolk County
263 McGuinness Blvd, Brooklyn, NY 11222
Mon–Fri: 9:00 A–7:00 P
Sat: 10:00 A–4:00 P
Sun: Closed
Meet Your Local Auto Insurance Advisor
Meet Hernan Picalomino
Local Insurance Agent
Serving Suffolk County
Hernan Picalomino leads HP Advisory Group as a GEICO-affiliated insurance broker focused on helping Suffolk County drivers protect their vehicles by fixing insurance coverage gaps before they become expensive surprises.
GEICO-affiliated licensed insurance broker
9+ years of insurance advisory experience
Multi-line coverage review and savings analysis
Serving Suffolk County and every community in it
situation
Most Suffolk County Drivers Don't Find Out What Their Policy Skips Until They're Filing A Claim.
'I thought my deductible was a couple hundred dollars, not a couple thousand.'
'I didn't realize uninsured motorist coverage was optional until I needed it and it wasn't there.'
'I learned what my policy excluded from the repair shop, not from my agent.'
If any of that sounds familiar, it's not because you weren't paying attention — it's because nobody ever sat down and matched your policy against how you actually drive in Suffolk County.
A policy purchase only proves two things: what you paid, and that you cleared the state's legal minimum.
It was never designed to prove your coverage would actually perform the way you assume it would if something happened.
"I assumed my deductible was closer to a few hundred dollars."
"I didn't know uninsured motorist coverage was something I had to actively choose."
"Nobody walked me through what my policy left out until the claim was already open."
problem
Here's What Suffolk County Drivers Tell Us Most — Right After It Was Too Late To Do Anything About It
Every one of these complaints can be avoided the same way: a closer look at your policy with someone who knows what to check for and is willing to go the extra mile.
I Thought 'Full Coverage' Covered Everything
It's the most common misunderstanding we see. 'Full coverage' isn't an actual, defined product — it's a phrase. Finding out what it leaves out after an accident is where most of the shock happens.
My Deductible Turned Out To Be Way Higher Than I Thought
The number on your declarations page and the number you actually owe out of pocket aren't always the same. If nobody's ever walked you through the real math, you're guessing.
What If The Other Driver Isn't Insured?
More drivers on Suffolk County roads carry little or no insurance than most people assume. Uninsured motorist coverage protects you when the at-fault driver can't pay — and it's often the first thing missing from a bare-minimum policy.
Solution
A Quote Gives You A Price. A Coverage Review Shows You How Your Policy Actually Performs When You Need It.
A sale is treated as finished the moment a price is set and you've met New York's legal minimum. Nothing about that transaction confirms your coverage would actually hold up the way you expect if you had a real loss — not the quote, not the paperwork, not the legal minimum. A coverage review is the step that does that — a licensed local advisor checks your policy against your real life, not just your ZIP code.
Suffolk County Drivers Avoid Unexpected Out-Of-Pocket Expenses With Our Help
Here's exactly what that looks like once you connect with Hernan or a local member of the HP Advisory Group team.
We review your existing coverage.
We identify the costly gaps.
We explain them in a way you can actually understand.
We help you fix them.
Let’s Make Sure Your Suffolk County Auto Policy Has You Fully-Covered
Free comparison of your current policy against what you actually need
Checked against Suffolk County's driving conditions and New York coverage law
A free, automatic policy review every year, so gaps don’t creep back in
No-pressure quote, delivered same day by Hernan's office
Español disponible
Rates based on individual circumstances. Available to Suffolk County residents, NY.
SUFFOLK COUNTY AUTO INSURANCE
Start Your Suffolk County Auto Insurance Quote Online
Includes a free Full-Coverage auto policy review with a local agent from the HP Advisory team.
AUTO INSURANCE IN SUFFOLK COUNTY, NY
Auto Insurance For Drivers In Commack, Smithtown, Babylon & Beyond
COMMUNITIES WE SERVE IN SUFFOLK COUNTY
If you live in Commack, Smithtown, Babylon, Huntington, or anywhere else in Suffolk County and you're overpaying, underinsured, or just tired of guessing about your coverage, HP Advisory Group offers Suffolk County drivers a closer option than a national call center. New York State law requires minimum auto liability coverage of 25/50/10, but Suffolk's longer highway mileage on the LIE and Sunrise Highway, plus seasonal traffic toward the North Fork and the Hamptons, change what 'enough coverage' actually looks like.
Drivers in Deer Park, West Babylon, and Central Islip can start their review online in minutes. We also serve Shirley, Mastic, Sag Harbor, East Hampton, Montauk, and the Sagtikos Parkway corridor.
FREQUENTLY ASKED QUESTIONS
Auto Insurance In Suffolk County, NY
How does HP Advisory Group help drivers with Nassau County Auto Insurance?
HP Advisory Group gives Nassau County drivers a free auto insurance coverage review with a local advisor — checking your policy against Meadowbrook, Northern State, and Southern State Parkway commuting risk, then placing your policy directly with GEICO once any gaps are fixed.
What happens during a Nassau County Auto Insurance coverage review with HP Advisory Group?
We compare what your policy actually covers against what you need — full coverage limits, your real deductible, and uninsured motorist protection — then walk you through any gaps in plain language, no pressure.
Does HP Advisory Group charge a fee for Nassau County Auto Insurance coverage reviews?
No, our auto coverage reviews are complimentary for Nassau County residents.
Can I just get a Nassau County Auto Insurance quote online instead of talking to someone?
You can start online, but every review is finished by a licensed local advisor, not an algorithm, so the gaps that actually matter don't get missed.
Is HP Advisory Group licensed to sell Nassau County Auto Insurance?
Yes — licensed in New York, and also in Florida, New Jersey, North Carolina, and Pennsylvania.
What happens if I need to file a Nassau County Auto Insurance claim; does HP Advisory Group help with that?
Yes, our team supports and advocates for you through the entire claims process.
Can HP Advisory Group help me switch my Nassau County Auto Insurance without a lapse in coverage?
Yes — we coordinate your new policy's start date with your old policy's cancellation.
Which insurance company does HP Advisory Group write my Nassau County Auto Insurance policy with?
Your auto policy is placed directly with GEICO, so you get the backing of one of the country's largest auto insurers along with Hernan's personal, local service.
Does HP Advisory Group offer Nassau County Auto Insurance services in Spanish?
Yes, hablamos español.
Don’t Wait Until the Damage Is Done.
The Most Expensive Part of Your Auto Insurance Policy Is the Coverage You Think You Have…But Don’t. Don’t wait until the damage is done to find out you’re not “fully-covered.” Schedule your free Suffolk County auto coverage review today.
HP Advisory Group
LOCAL INSURANCE AGENTS
Serving Suffolk County drivers across Commack, Smithtown, Babylon, Huntington, and every Suffolk community.
Find out what “full coverage” really means for you
Know your real deductible before you need it
Check your uninsured motorist protection
A real person reviews your policy, not a bot
HP Advisory Group
HP Advisory Group helps New Yorkers fix insurance coverage gaps before they become expensive surprises. Get a free, no-pressure auto coverage review from local insurance agents, instead of a call center. Serving Brooklyn, Queens, Manhattan, the Bronx, Nassau County, and Suffolk County.
Visit Us
Brooklyn Office
263 McGuiness Blvd
Brooklyn, NY 11222
Contact Us
Office Hours
Mon - Fri: 9:00 AM - 7:00 PM
Sat: 10:00 AM - 4:00 PM
Sun: Closed
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