Learn How to Buy Buffalo New York Car Insurance Like a Professional

If you’re new to shopping for car insurance online, it’s easy to get overwhelmed by the sheer number of online companies offering coverage in Buffalo.

It’s smart to check car insurance prices occasionally since rates change quite often. If you had the best rates last year you may be paying too much now. Forget all the misinformation about car insurance because we’re going to demonstrate how to use online quotes to properly buy coverages while reducing your premium.

Lower the Price of Insurance with These Tips

Consumers need to have an understanding of the rating factors that help determine the price you pay for car insurance. When you know what positively or negatively determines base rates helps enable you to make changes that will entitle you to lower car insurance prices.

The following are a partial list of the pieces that factor into prices.

  • Lower rates with optional equipment – Choosing a vehicle that has an advanced theft prevention system can get you a discount on your car insurance. Anti-theft features like vehicle immobilizer systems, General Motors OnStar and LoJack tracking systems can thwart car theft.
  • Don’t get talked into coverage you don’t need – There are quite a few extra coverages that you can get tricked into buying when buying car insurance. Things like personal injury protection, accidental death and term life insurance may be costing you every month. These may sound like a good investment when you first buy your policy, but if they’re wasting money remove them from your policy.
  • Older drivers save more – Young drivers in New York tend to be more careless when driving so car insurance rates are higher. Having to add a young driver onto a policy can really hurt. More mature drivers are viewed as being more responsible, tend to cause fewer accidents and tend to be better behind the wheel.
  • Men are more aggressive – Statistics have proven that women are safer drivers than men. However, this does not mean men are WORSE drivers than women. Both sexes tend to get into accidents in similar numbers, but the males have costlier accidents. They also get cited for more serious violations such as DWI and reckless driving. Youthful male drivers are most likely to cause an accident and therefore have the most expensive car insurance rates.
  • Higher deductibles cost less – Physical damage coverage, otherwise known as comp (or other than collision) and collision, is used to repair damage to your car. Examples of covered claims would be collision with another vehicle, damage from fire, and windstorm damage. Physical damage deductibles are how much you are willing to pay out-of-pocket in the event of a claim. The higher the amount you’re willing to pay, the less your car insurance will be.
  • Poor driving leads to higher costs – Whether or not you get tickets has a lot to do with how much you pay for insurance. Only having one citation may increase your cost twenty percent or more. Drivers with clean records get better rates than their less careful counterparts. Drivers with dangerous tickets like hit and run, DWI or reckless driving convictions are required to submit a SR-22 form with the DMV in their state in order to prevent a license revocation.

Companies offer discounts so take them!

Companies that sell car insurance don’t always list every discount in a way that’s easy to find, so here is a list both well-publicized and also the lesser-known car insurance savings.

  • Student Driver Training – Require your teen driver to enroll in driver’s education in school.
  • Anti-theft Discount – Vehicles with anti-theft systems help deter theft and qualify for as much as a 10% discount.
  • Multi-car Discount – Having more than one vehicle on one policy could earn a price break for each car.
  • Fewer Miles Equal More Savings – Keeping the miles down can qualify you for a substantially lower rate.
  • Braking Control Discount – Vehicles equipped with ABS or steering control can reduce accidents and will save you 10% or more.
  • Good Students Pay Less – This discount can get you a discount of up to 25%. This discount can apply until age 25.
  • Bundle and Save – When you have multiple policies with one insurance company you may save up to 20% off your total premium.

Consumers should know that some credits don’t apply to your bottom line cost. Most only apply to individual premiums such as physical damage coverage or medical payments. Just because it seems like adding up those discounts means a free policy, companies don’t profit that way.

Don’t I need to talk to an agent?

A small number of people would prefer to sit down with an agent and that is OK! The best thing about getting online price quotes is you may find better rates but still work with a licensed agent.

After completing this short form, your coverage information is emailed to local insurance agents in Buffalo who will battle to get your business. You never need to visit any agencies because quoted prices will be sent to your email. How’s that for easy! It’s the lowest rates AND an agent nearby.price insurance in Buffalo

Choosing an insurer requires more thought than just the price. Agents should be asked these questions:

  • Will their companies depreciate repairs to your car based on the mileage?
  • Are there any discounts that you might be missing?
  • Do they regularly work with personal auto policies?
  • Can glass repairs be made at your home?
  • If you have an accident, will your rates go up?

Captive and independent Buffalo car insurance agents

When looking for an insurance agent, there are two different agency structures to choose from. Agencies in Buffalo are either independent (non-captive) or captive.

Captive Insurance Agents

This type of agents are contracted to one company such as Allstate, Farmers Insurance or State Farm. They are unable to give you multiple price quotes so it’s a take it or leave it situation. Captives are trained well on their products and sales techniques which can be an advantage. Consumers sometimes purchase coverage from captives partially due to the brand legacy and the convenience of having a single billing for all their coverages.

The following is a short list of captive insurance agencies in Buffalo who may provide you with comparison quotes.

  • Liberty Mutual – 1100 Southwestern Blvd – Buffalo, NY 14224 – (716) 677-2734
  • Allstate Insurance Co – 1599 Hertel Ave – Buffalo, NY 14216 – (716) 836-2799
  • Farmers Insurance Group – 43 Aspinwood Pl – Buffalo, NY 14223 – (716) 876-4545
  • State Farm Insurance – 1335 Hertel Ave – Buffalo, NY 14216 – (716) 873-3771
Independent Agents

Independent agencies do not work for one specific company but rather can write business with multiple insurance companies and possibly get better coverage at lower prices. To transfer your coverage to a different company, the agent simply finds a different carrier and you won’t have to switch agencies. When comparison shopping, you should always contact multiple independent agents for the best price selection. They often place coverage with different regional companies which can be an advantage.

Listed below are Buffalo independent insurance agents that are able to give comparison quotes.

  • Charles P Faso Agency – 860 Englewood Ave – Buffalo, NY 14223 – (716) 877-1702
  • Mutual Of Omaha Insurance Co – 6245 Sheridan Dr # 108 – Buffalo, NY 14221 – (716) 839-0788
  • Maranto CN Agency – 36 Hopkins Rd – Buffalo, NY 14221 – (716) 633-1818
  • Goetzmann-Stephan Agency – 11 Pinchot Ct # 100 – Buffalo, NY 14228 – (716) 854-3661
  • M and T Insurance Agency Inc – 334 Delaware Ave – Buffalo, NY 14202 – (716) 853-7960

To view a full list of insurance agents in Buffalo, go to this page.

After getting positive feedback as well as a affordable price, you have narrowed it down to an insurance agency that is a good match to insure your vehicles.

Additional detailed information can be read at the New York Department of Financial Services website. Visitors are able to file complaints about an insurance agent or broker, download brochures, view agent and company licensing information, and find out which companies have the most complaints.

The following information may also be useful.

Best coverage at the best price

Insureds change insurance companies for a number of reasons such as policy cancellation, not issuing a premium refund, high rates after DUI convictions and even questionable increases in premium. Regardless of your reason, switching companies is actually quite simple.

The cheapest car insurance is possible online in addition to many Buffalo insurance agents, and you need to price shop both in order to have the best chance of saving money. Some insurance providers do not provide you the ability to get quotes online and most of the time these small insurance companies sell through independent agents.

Throughout this article, we presented a lot of information how to save on car insurance. The most important thing to understand is the more price quotes you have, the higher your chance of finding lower rates. Drivers may discover the most savings is with a small local company.