Charlie Palmer

Back-to-school season means busy mornings, packed schedules, and lots of time on the road. 🚗📚 Before the fall routine kicks into high gear, it’s a great time to review your auto coverage and make sure you’re ready for the miles ahead.

I’ve been a State Farm agent for 35+ years, and I’m proud to serve the residents of my hometown of Scotia, NY and the surrounding area, including Glenville, Schenectady, Niskayuna, Alplaus, Rotterdam Junction, Burnt Hills, and the Capital District. My agency offers homeowners insurance, auto insurance, business auto, life insurance, business insurance, Motorcycle, and more, including financial services.

I first joined State Farm in 1989, working for my father. He had a 32-year career as a State Farm agent himself, so I learned about the company and what it represents from a very young age. At its heart, State Farm is all about helping people manage everyday risks, plan for a successful future, and protect the things that matter most. There are a few other agents in my extended family as well and my daughter Kristen is now a licensed rep in my office—serving people and the community is certainly a tradition that we’re proud to continue. My team is experienced, dedicated, and always willing to take the time to understand your needs, explain your coverage, and make sure you’re comfortable with everything. As a side note, our office is pet friendly!

I was born and raised right here in Scotia. I’m a graduate of Scotia-Glenville High School and earned my bachelor’s degree at Bryant College in Rhode Island. I’m married and enjoy spending time with my children and grandchildren probably more than anything. In my free time I also love playing golf, kayaking, and working outdoors.

I’m involved in the local Rotary Club and I enjoy donating my time and efforts toward helping make our community a better place to live—whether that means pitching in to help with landscaping or building a pavilion, sponsoring kids’ sports teams and leagues, or donating meals to local first responders. My agency has been a pillar of the community for decades, and it always fills me with pride to know that we’re helping to make a positive impact.

Whether you’re new to the area or you’re just exploring your options, my team and I can help you find the right home, renters, car, life, motorcycle, or small business insurance for your needs. Please call for a quote.

Our agency now has the ability to meet with you virtually whether it’s to look at some documents together in real time, a quick touch base or a longer visit from our computer to your device. You can also text us at our regular office number for any questions and concerns and we will be happy to help!

Frequently Asked Questions (FAQ)

Q: How can I compare auto insurance quotes?

A: Getting car insurance quotes is simple—you can start online, over the phone, or by working with a local agent. Quotes are typically based on factors like your vehicle, driving history, and coverage preferences, helping you explore options that fit your needs. Charlie is here to help your Scotia household feel covered.

Q: How soon can I get insured for my car?

A: In some cases, car insurance coverage can begin the same day you purchase a policy. The timing may vary depending on your situation. We can help you get coverage quickly when you need it. Looking for coverage? Talk with Charlie about your options in Scotia.

Q: What are the insurance requirements on a leased car?

A: Leased vehicles typically require more coverage than the state minimums. In addition to liability insurance, leasing companies usually require comprehensive and collision coverage, and you may need to list the leasing company on your policy as an additional insured or loss payee. Charlie is proud to serve the Scotia community.

Q: What exactly is renters insurance and how does it work?

A: Renters insurance is a simple way to help protect your personal belongings and provide liability coverage while you're renting. Since your landlord's policy typically covers the building itself, this type of coverage is designed to help protect you and the things you own. Serving Scotia and the surrounding area, Charlie can help answer your questions.

Q: What happens when you have life insurance in place?

A: Life insurance provides a payout to your chosen beneficiaries if you pass away while the policy is active. It can help give your loved ones financial support when they may need it most. For personalized coverage in Scotia, NY, reach out to Charlie.

Q: Do you have to have home insurance?

A: Homeowners insurance requirements can vary depending on your state and situation, but most lenders will require it if you have home financing. Even when it's not required, many homeowners choose to carry coverage to help protect their home and financial well-being from unexpected events. Have questions? Charlie in Scotia can walk you through your options.