Protecting your vehicle and loved ones is an important reason to carry auto insurance in Buffalo. Should you be involved in an auto accident, it can be financially devastating if you do not carry any or just a limited amount of coverage. Of course, shopping online for car insurance can be overwhelming especially when having to choose between all the available options. Fortunately, we’ve simplified the process for you. All you need to do is enter your zip code in the form above to receive multiple quotes from a variety of insurance companies all from the comfort of home.
Having all your quotes available in one place will allow you to quickly compare rates and coverage between many different carriers quickly and easily. That, in turn, assists you in making the best decision about which coverage will meet your budget and needs. In just a few minutes, you can have car insurance rates right at your fingertips. Simply enter your zip code above to get started.
Car Insurance Agents in Buffalo
When shopping for car insurance in Buffalo, professional insurance agents can be beneficial in helping drivers determine their potential risk and then help determine the appropriate amount of insurance they should carry to fully protect themselves should an accident occur. The following resource provides the most well-known and highly rated auto insurance companies with links to their agent listings should you wish to have personalized service from an agent within the local Buffalo community.
Buffalo and the surrounding areas are home to 47 Allstate Insurance agents with several bilingual agents available to service the Spanish speaking community.
Buffalo auto insurance is not provided by Farmers Insurance or local agents. Instead, the Farmers Insurance Group of Companies offers coverage through 21st Century Insurance. Buffalo motorists may purchase coverage directly from the 21st Century Insurance site.
Geico Insurance offers one Geico agent to personally service the Buffalo area. As a direct insurer, Geico also offers the option to purchase their vehicle coverage by phone or online as well.
When purchasing car insurance in Buffalo from Progressive, residents have a choice of choosing to work with local agents or brokers. The difference between the two types of representatives is that local agents offer coverage on behalf of Progressive with the insurance company paying their commissions. Agents are not allowed to charge any additional fees to their clients. There are 5 independent Progressive insurance agents in Buffalo.
Local brokers offer the same coverage as agents in that they help clients to evaluate policies and choose the best one for their personal needs. Brokers are also paid a commission directly by Progressive, but they may also charge a fee for service as well. There are 2 independent brokers for Progressive in the city.
State Farm has 48 insurance agents representing Buffalo and surrounding suburbs including West Seneca, Cheektowaga, Kenmore, Blasdell, Tonawanda, Snyder, Williamsville, Depew, Lancaster, Grand Island, Getzville, Orchard Park, Hamburg, East Amherst, Elma, Niagara Falls, Derby, Wheatfield, East Aurora and Boston.
If your agency is not included in our resource list, please email using our contact form. At present, listings for individual agents are available only by paid option.
Buffalo Car Insurance Rates
Many people outside of New York may find it surprising to learn that CarInsurance.com lists the state has having the highest car insurance rates of anywhere else in the country. In fact, the New York annual average premiums of $2,827 are 48 percent higher than the national average of $1,678. Somewhat fortunate for Buffalo drivers is that Buffalo’s average car insurance premium of $2,065 is 27 percent lower than New York State’s average. But even with $760 per year savings over the state average, Buffalo’s auto insurance premiums still total substantially more than other state’s average premiums.
Driving in Buffalo
As the city with the second largest population in New York State, Buffalo also happens to be the seat for Erie County and part of the largest metro area in the entire Upstate region. According to the 2010 U.S. Census, the city of Buffalo has 261,310 citizens, but when considered as part of the Buffalo, Niagara and Cattaraugus region, the total population is 1,215,826. With many drivers on the roads and traffic congestion a normal part of everyday life, Buffalo auto insurance coverage is even more important for residents to protect themselves from accidents.
With the highest auto insurance prices in the country, it only stands to reason that New York state also experiences high traffic congestion. That, of course, is true according to a study by the Inrix.com National Traffic Scorecard. It found that New York City and Northern New Jersey rank as the 2nd most congested metro area in the country. Buffalo, on the other hand, came in as the 50th most congested city, which potentially reflects why their rates are 27 percent lower than NYC.
The 2011 Best Drivers Report by Allstate Insurance Company shows below placing 146th out of 200 for the best drivers in the country. Although average years between accidents average 8 years, the chances of experiencing a car accident in the city are 24.4 percent.
According to statistics reported by the National Highway Traffic Safety Administration, Erie County is ranked 5th for vehicle related fatalities out of all 62 counties in New York. The county experienced 52 car accidents that resulted in death in 2010 with 16 of those fatalities involving an alcohol or drug impaired driver. Overall, Erie County saw a 15 percent decrease in the number of traffic deaths from 2009 to 2010.
The New York State Department of Transportation offer a free phone and website service for all New Yorkers to monitor traffic reports for Buffalo and all other cities in the entire state. New York residents may dial 511 using their cell phone or landline to receive travel information. Drivers may also log on to the 511 website to visually monitor traffic incidents, road closures, weather alerts and construction zones.
New York Auto Insurance Laws
New York auto insurance law requires that every driver maintain minimum liability insurance for their vehicle and keep proof of insurance available at all times when driving. If a driver is caught without proof of insurance, the penalties are very strict. If stopped and cannot show proof of insurance, drivers may be fined up to $1,500 and then have to pay the DMV $750 for license reinstatement.
It is important to review New York car insurance requirements before purchasing insurance coverage so that you will understand exactly what the law expects New Yorkers to carry. Of course, the minimum insurance requirements are not enough to cover a traffic incident totally and additional coverage amounts will be needed for full insurance protection.
Buffalo Car Insurance Quotes
When reviewing rates for car insurance in Buffalo, it is important to consider more than just the policy’s price. You don’t want to sacrifice coverage for cost at any time or you could leave yourself underinsured. If that happens and an expensive accident occurs, you would be financially responsible for the difference between what the insurance policy pays and the final bills.
Balance what the policy covers with your budget to find the auto insurance in Buffalo that will meet your budget and your coverage needs. Affordable auto insurance quotes are just a click away. Enter your zip code below and receive all the insurance quote information you need for choosing the best insurance protection.
City of Buffalo, NY