Every vehicle.
Every driver.
Covered right.
From everyday drivers to Ferraris and collector cars — agreed-value policies for vehicles that appreciate.
Personal Lines · Auto & Specialty
Sport bikes, cruisers, and off-road vehicles — year-round or seasonal coverage.
Motorcycles & ATVs
Personal Auto
All makes and models. We compare rates across 150+ carriers to find your best fit.
What's Covered
Coverage types
we specialize in.
Ferrari, Lamborghini, McLaren — agreed-value policies so you're never underinsured.
Exotic & Supercar Coverage
Agreed value, spare-parts coverage, and limited-mileage options for vehicles that appreciate.
Classic & Collector Cars
Rolls-Royce, Bentley, Mercedes S-Class — high-value coverage with the right carriers.
Luxury Vehicles
TNC endorsements for Uber/Lyft drivers and fleet policies for multi-vehicle owners.
Rideshare & Multi-Vehicle Fleets
Also covered
Other lines
we specialize in.
auto & exotics
Drive with
confidence.
From everyday drivers to million-dollar supercars — we're the agency New York and Miami car culture trusts to get it right.
Coverage
Proper protection, no gaps.
Culture
We speak car — and Spanish
White-glove service, every client
Class
New York City.
Our home market. From Long Island and the boroughs to Westchester and the Hamptons — we write more auto policies in New York than anywhere else. We know the streets, the carriers, and what it takes to protect a vehicle in one of the most active insurance markets in the country.
32
#1
States Licensed
Our Top Auto Market
Miami.
The exotic car capital of the Southeast. Miami's car culture is unlike anywhere else — and the insurance market matches it. We write personal auto and exotic vehicle policies across South Florida and throughout the state, with carriers and rates built for the Florida market.
32
#1
States Licensed
Our Top Auto Market
The Estrada difference
"We don't just sell policies.
We protect what you're passionate about."
— Gabriella Estrada, Founder
01
Coverage — Built around your vehicle
Agreed value for exotics. OEM parts for luxury. Proper limits for collectors. We don't use the same policy for a Civic and a Ferrari — because they're not the same risk.
02
Culture — We speak car
We understand car culture in New York and Miami — the community, the events, the exotics, and the streets. When you call us about your Lambo, you're talking to someone who gets it. And if you prefer Spanish, so does our entire team.
03
Class — White-glove from day one
No hold music. No generic quotes. A dedicated licensed advisor who answers the phone, explains every option, and stays with you from the first quote to every renewal. That's the standard — for every client, every vehicle.
What we cover
Every vehicle. Every driver.
We write personal auto across the full spectrum — standard daily drivers to the most exclusive vehicles on the road.
The most important detail for exotic owners
Agreed Value vs.
Actual Cash Value.
Actual Cash Value (ACV) — what your car is worth in today's market after depreciation. For a Ferrari that appreciated 40% since you bought it, ACV could pay out far less than what your car is actually worth.
Agreed Value — you and the insurer agree on the vehicle's value upfront. In the event of a total loss, that's exactly what you receive. No depreciation. No negotiation. No surprises.
The Estrada standard for exotic clients
Any vehicle worth more than $50,000 — or any car that appreciates rather than depreciates — should be insured on an agreed-value policy. We access Hagerty, Markel, Tokio Marine, and other specialty markets most agents can't reach.
coverage breakdown
What's included — and what drivers miss.
Common misconception
Two myths that cost drivers every year.
Why Estrada Insurance Co.
Specialty markets. NYC & Miami expertise.
01
Exotic & collector specialists
We access Hagerty, Markel, Tokio Marine, Grundy, and Heacock Classic — agreed-value policies, spare parts, car show coverage, and enclosed transport. Markets most agents can't reach.
02
Deep NY & FL market knowledge
New York and Miami are two of the most complex auto insurance markets in the country — different rules, different carriers, different risk profiles. We know both inside and out.
03
150+ carriers, zero bias
Standard, specialty, and surplus. We compare every option and recommend what's right for your vehicle — not what pays us more. Bilingual EN/ES throughout.
Get your auto quote today.
Start your quote
For exotics and collectors, expect a follow-up call — these are specialty placements that deserve a real conversation. New York and Miami clients always get same-day response.
01
Tell us about your vehicle
Make, model, year, value, and how it's used.
We access specialty markets
Agreed-value carriers for exotics, standard markets for personal auto.
02
Side-by-side comparison with our recommendation.
Receive your options
03
Your advisor stays with you for renewals, changes, and claims.
Bound & supported
04
Also explore
Other coverage we specialize in.