About This Location - Schenectady

Schenectady is our newest location which opened in late 2016. The Schenectady Insurance market is large and we wanted to bring our mission of "treating every client like family by providing outstanding service at the best price every time!" there. We are getting a great reception from our new clients and hope to serve them for many years to come.

Operating Hours

  • 9am - 5pm
  • Closed

Fred Baldes 7

Agent - Fred Baldes

Hello, I'm Fred the owner of the Cote Agency. Coming from humble beginnings, I have been working hard since the age of 12 and have always kept an eye on my personal money to make sure I was getting a great deal on whatever I bought. I wanted to pass my personal financial views on to my clients, so when I took over the original Cote Agency in Corinth I refocused our attention on making sure that our clients were getting a great deal on their insurance. My business philosophy is to sell at low cost, give great service and in turn sell a higher volume. I have been in the insurance and financial services business since 2001 and have a masters degree from the American College in Financial Services and hold several professional designations such as CFP, ChFC, CLU, CRPC. I am married to a wonderful wife Julie and have 4 great kids that make me proud every day.


Our Schenectady Office

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Auto Insurance

Insurance For Your Car

The right auto insurance policy can help get you back on the road quickly if your car is damaged or destroyed by accident, fire, theft, or other covered event. Your policy may also provide protection against medical and legal expenses resulting from injury, loss of life, or property damage caused by an accident involving your vehicle.
Home Insurance Saratoga Springs

Insurance For You Home

Your home is the center of your daily life, and likely your most valuable asset. When your home is damaged or destroyed, you need your claim settled by an insurance company that understands this simple fact. Cote Insurance Agency can help you find the homeowners insurance that will best meet your needs and provide the most valuable combination of tailored coverage, quality service and fair pricing.
Motorcycle Insurance

Insurance For Your Toys

We’ve Simplified The Process Of Purchasing Car Insurance. Price Comparisons and Coverage Counseling..Enjoy the thrill of every jump, dip and turn even more by knowing you’re protected. Allstate offers insurance coverage beyond your auto and home policies—for all-terrain vehicles (ATVs), utility vehicle (UTVs), dune buggies, golf carts, go-karts, trail bikes and more. Talk to an agent about your ATV insurance options today.
Top Rated Agency In Saratoga Springs

Insurance For Your Business

As a small business owner, you face a variety of unique challenges and circumstances. Having secure, personalized business insurance can offer invaluable protection and peace of mind.A Business Owners Policy (BOP) is specifically designed for business owners and covers the unique needs a business owner may face. Cote Insurance understands that no two businesses are exactly alike, which is why we offer unique BOP packages tailored across 36 different business categories. Each BOP package, which may be customized, combines property insurance, liability coverage and more into one custom, convenient policy.
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