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 New Yorkers find coverage gaps before they cost them — a free, no-pressure review from local insurance agents, instead of a call center. Serving Brooklyn, Queens, Manhattan, the Bronx, Nassau County, and Suffolk County.
HP Advisory Group
LOCAL INSURANCE AGENTS
Serving drivers across Brooklyn, Queens, Manhattan, the Bronx, Nassau County, and Suffolk County.
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
New York
SERVICE AREA
2017
OPEN SINCE
182+
GOOGLE REVIEWS
3.9 ★
GOOGLE RATING
HP Advisory Group
Local Insurance Agents
Serving the New York Community
263 McGuinness Blvd, Brooklyn, NY 11222
Mon–Fri: 9:00 AM–7:00 PM
Sat: 10:00 AM–4:00 PM
Sun: Closed
Meet Your Local Auto Insurance Advisor
Meet Hernan Picalomino
Local Insurance Agent
Serving New York Drivers
Hernan Picalomino leads HP Advisory Group as a GEICO-affiliated insurance agent focused on helping Brooklyn residents protect their vehicles, properties, and families 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 Brooklyn and every Kings County neighborhood
situation
Most People Don’t Find Out They Have a Coverage Gap Until They File a Claim.
"I thought my deductible was lower than that."
"I didn't know uninsured motorist coverage was optional."
Nobody told me what my policy actually excluded.
Sound familiar?
That’s not because you weren’t careful. It’s because nobody ever checked your policy against your real life — not the agent, not you. Buying a policy only confirms two things: a price and the legal minimum. It doesn’t confirm you’re actually covered.
problem
Here’s What Queens 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.
Is “full coverage” really full?
“I thought I had full coverage.” Most people believe it’s a specific product. It isn’t. Finding that out after an accident is the single most common shock we hear.
Why was my deductible higher than I expected?
“My deductible was way higher than I realized.” The number on your policy and the number that actually hits you can be very different if nobody ever walked you through it.
What if the other driver isn’t insured?
“I didn’t have enough protection if the other driver wasn’t insured.” A large share of drivers on the road carry little or no insurance. This is the coverage that protects you when they can’t pay, no matter whose fault it is.
Solution
A Quote Tells You a Price.
A Coverage Review Tells You How Your Policy Would Actually Perform If a Real Loss Happened.
A sale is considered complete the moment a price is set and you’ve cleared New York’s legal minimum.
Nothing in that transaction requires verifying that your coverage would actually perform the way you assume it would if you had a real loss — not the quote, not the paperwork, not the legal minimum.
A coverage review is the one step that actually does — a licensed local advisor reads your policy against your real life, not just your ZIP code.
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.
auto insurance in new york
Let’s Make Sure Your New York Auto Policy Has You Fully Covered
Pick the location that represents where you drive so we can build your coverage review around it.
Traffic, parking, and risk look different In Brooklyn, Queens, Manhattan & Beyond. If you live in Brooklyn, Queens, Manhattan, the Bronx, Nassau County, Suffolk County, or anywhere else across New York and you’re overpaying, underinsured, or just tired of guessing about your coverage, HP Advisory Group offers New York drivers a closer option than a national call center. New York State law requires minimum auto liability coverage of 25/50/10, but these drivers face some of the most complex traffic patterns in the country, from the BQE in Brooklyn to the Cross Bronx Expressway.
Drivers across all six markets can start their review online in minutes. Wherever you’re coming from, you get the same local advisor, not a call center routing you to whoever’s available.
Communities we serve across the NY Metro Area
Brooklyn
Bay Ridge to Bushwick: coverage built around Kings County traffic and parking.
Queens
LaGuardia to the Rockaways: coverage that matches Queens’ toughest commutes.
Manhattan
FDR Drive gridlock, congestion pricing, alternate-side parking: covered.
Bronx
Cross Bronx Expressway to City Island: coverage for every Bronx commute.
Nassau County
Longer parkway commutes call for a different kind of coverage review.
Suffolk County
Huntington to the East End: coverage for Long Island’s longest drives.
Customer reviews
What New York Drivers Are Saying
“Andreea is the best insurance agent I ever had. Call Hernan and he introduced me to her. I may had asked hundreds of questions. She was very informative and kind. Didn’t brush me off like certain insurance agent did. Save me money and give the best quote with more protection and less money than other insurance company. Andrea you are the best. Hernan thank you. You have an amazing team.”
“Gerardo was extremely attentive and patient when preparing an auto insurance quote for me. He detailed all my options and possible deductions. Highly recommend!”
“Gerardo at GEICO was extremely helpful in getting my insurance set up. He made the whole process simple, answered all my questions clearly, and helped me find the best coverage for my needs. Great customer service, professional, and easy to work with. Highly recommend asking for Gerardo if you need help with insurance!”
“Gerardo Gonzalez assisted me with my auto insurance quote and provided excellent customer service throughout the process. He was professional, patient, and took the time to answer all of my questions thoroughly, making the experience smooth and stress-free.”
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FREQUENTLY ASKED QUESTIONS
Auto Insurance In New York
How does HP Advisory Group help drivers with New York Auto Insurance?
HP Advisory Group is a New York auto insurance agency led by Hernan Picalomino, a licensed P&C broker and GEICO Agency Owner. We review drivers' existing auto policies to find coverage gaps — like a deductible that's higher than expected or missing uninsured motorist protection — before they turn into expensive surprises after a claim. We serve Brooklyn, Queens, Manhattan, the Bronx, Nassau County, and Suffolk County.
What happens during a New York Auto Insurance coverage review with HP Advisory Group?
A free coverage review is a no-pressure walkthrough of your current auto policy with a local HP Advisory Group advisor. We check what "full coverage" actually means for your policy, confirm your real deductible, and review your uninsured motorist protection — so you find out what's missing before you ever need to file a claim, not after.
Does HP Advisory Group charge a fee for New York Auto Insurance coverage reviews?
No, HP Advisory Group's auto coverage reviews are complimentary for New York residents.
Can I just get a New York Auto Insurance Quote online instead of talking to someone?
Yes, you can start online, but every review is finished by a licensed local insurance agent, not an algorithm, so the coverage gaps that can lead to costly out-of-pocket expenses don't get missed.
Is HP Advisory Group licensed to sell New York Auto Insurance?
Yes, HP is licensed to sell insurance in New York, and also in Florida, New Jersey, North Carolina, and Pennsylvania.
What happens if I need to file a New York Auto Insurance claim; does HP Advisory Group help with that?
Yes, our team supports and advocates for you through the entire claims process.
Which insurance company does HP Advisory Group write my New York 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 New York Auto Insurance services in Spanish?
Yes, hablamos español.
Can HP Advisory Group help me switch my New York Auto Insurance without a lapse in coverage?
Yes, we coordinate your new policy's start date with your old policy's cancellation.
Don’t Wait Until the Damage Is Done.
HP Advisory Group helps New Yorkers find coverage gaps before they cost them — a free, no-pressure review from local insurance agents, instead of a call center. Serving Brooklyn, Queens, Manhattan, the Bronx, Nassau County, and Suffolk County.
HP Advisory Group
LOCAL INSURANCE AGENTS
Serving drivers across Brooklyn, Queens, Manhattan, the Bronx, Nassau County, and Suffolk County.
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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