Beginners to comparison shopping online can find buying affordable Buffalo car insurance is not as easy as it seems.

Remarkably, a study showed that nearly 70% of New York drivers renewed their policy with the same company for more than four years, and nearly the majority have never compared quotes from other companies. Most drivers in America could save themselves 47% a year, but they don't know how much they could save if they moved their coverage to a different company.

Choosing the best rates in Buffalo is really quite simple as long as you have a good starting point. If you currently have insurance, you should be able to find better prices using the techniques presented in this article. Nevertheless, New York vehicle owners must understand the way insurance companies determine what you pay and use this information to your advantage.

Car insurance providers offering affordable rates in New York

The following companies are our best choices to provide quotes in Buffalo, NY. If you wish to find cheap car insurance in New York, we recommend you visit several of them in order to get a fair rate comparison.

Insurance Rates for Popular Vehicles in Buffalo
Make, Model, and Trim Level Annual Policy Premium 6-month Policy Premium Monthly Premium
Chevrolet Silverado LT Regular Cab $896 $448 $75
Dodge Ram Quad Cab TRX4 Off Road 2WD $862 $431 $72
Ford Escape XLT 2WD $530 $265 $44
Ford F-150 FX2 Super Cab 2WD $670 $335 $56
Ford Focus SES 4-Dr Sedan $726 $363 $61
GMC Sierra SLE Crew Cab 2WD $942 $471 $79
Honda Accord LX-P 4-Dr Sedan $888 $444 $74
Honda CR-V EX-L 2WD $606 $303 $51
Honda Civic EX 4-Dr Sedan $722 $361 $60
Jeep Wrangler Unlimited Sport Islander Package 4WD 4-Dr $704 $352 $59
Mazda 3 S Grand Touring 4-Dr Sedan $888 $444 $74
Nissan Altima 3.5 SR 4-Dr Sedan $1,096 $548 $91
Toyota Camry LE $804 $402 $67
Toyota Corolla XLE $852 $426 $71
Toyota Prius $874 $437 $73
Toyota RAV4 Limited 2WD $836 $418 $70
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Cost estimates assume single male driver age 40, no speeding tickets, no at-fault accidents, $1000 deductibles, and New York minimum liability limits. Discounts applied include homeowner, multi-policy, multi-vehicle, claim-free, and safe-driver. Rate information does not factor in specific location information which can affect coverage prices substantially.

Does it make sense to buy full coverage?

The information below visualizes the comparison of Chevrolet Silverado insurance rates with and without physical damage coverage. The rate quotes are based on no accidents or driving violations, $100 deductibles, married female driver, and no discounts are factored in.

Chevrolet Silverado rates are for example purposes only. To get rates for your specific vehicle, click here.

When to stop paying for full coverage

There is no clear-cut formula to stop buying comp and collision coverage, but there is a general school of thought. If the yearly cost of full coverage is more than about 10% of any settlement you would receive from your insurance company, then it may be the right time to buy liability only.

For example, let's pretend your Chevrolet Silverado replacement value is $7,000 and you have $1,000 policy deductibles. If your vehicle is totaled in an accident, the most you would get paid by your company is $6,000 after paying your deductible. If you are currently paying more than $600 a year for physical damage coverage, then you might want to think about dropping full coverage.

There are some scenarios where dropping physical damage coverage is not recommended. If you still have a loan on your vehicle, you have to keep full coverage to protect the lienholder's interest in the vehicle. Also, if you can't afford to buy a different vehicle if your current one is in an accident, you should not opt for liability only.

Illustration showing the impact of accidents and violations

The information below shows how violations and accident claims can impact Toyota Corolla insurance costs for different insured age categories. The premiums assume a married female driver, full physical damage coverage, $500 deductibles, and no other discounts are factored in.

Toyota Corolla rates are for example purposes only. To get rates for your specific vehicle, click here.

Find more affordable insurance with these tips

Consumers need to have an understanding of a few of the rating criteria that aid in calculating your insurance rates. If you have a feel for what controls the rates you pay, this helps enable you to make changes that can help you get lower rates.

Get discounts on Buffalo auto insurance

Auto insurance is not an enjoyable expense, but you may find discounts to cut the cost considerably. A few discounts will be applied when you quote, but once in a while a discount must be asked about prior to receiving the credit.Discount auto insurance

Policy discounts save money, but most discounts do not apply to the entire cost. Most only cut the price of certain insurance coverages like comprehensive or collision. So even though you would think you could get a free auto insurance policy, auto insurance companies aren't that generous.

Larger auto insurance companies and their offered discounts can be found below.

If you need affordable Buffalo car insurance quotes, ask every insurance company which discounts you qualify for. All car insurance discounts might not be offered in Buffalo. To locate auto insurance companies that offer the discounts shown above in Buffalo, click here to view.

What if I want to buy from local Buffalo insurance agents?

Many drivers still like to visit with an insurance agent. One of the great benefits of getting free rate quotes online is that you can find better rates and still choose a local agent.

After completing this short form, your insurance data is emailed to local insurance agents that can give you free Buffalo car insurance quotes for your car insurance coverage. There is no need to search for any insurance agencies due to the fact that quote results will go directly to you. You can most likely find cheaper rates AND a local agent. If for some reason you want to get a rate quote from a specific insurance company, you would need to find their quoting web page and fill out their quote form.

Selecting an insurer should depend on more than just the price. Some important questions to ask are:

If you would like to find a reliable insurance agency, you must know there are a couple different types of agencies and how they can service your needs differently. Car insurance agents are considered either exclusive or independent agents depending on their company appointments.

Exclusive Agents

Exclusive agents have only one company to place business with and examples are Allstate, AAA, Farmers Insurance, and State Farm. They are unable to give you multiple price quotes so you need to shop around if the rates are high. Exclusive agencies are well trained on the products they sell which aids in selling service over price. A lot of people use the same exclusive agent partially due to the prominence of the brand rather than having low rates.

Below are exclusive agencies in Buffalo who may provide you with price quote information.

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Independent Car Insurance Agents

Agents that elect to be independent are not limited to a single company so they can write business through lots of different companies and potentially find a lower price. If prices rise, the business is moved internally without you having to go to a different agency. If you need cheaper car insurance rates, you should always get several quotes from multiple independent agents to have the most options to choose from. Most also write with lesser-known insurance companies which can be an advantage.

The following are Buffalo independent insurance agents that can give you price quotes.

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Save $474 a year? Really?

Well-known car insurance companies like State Farm, Allstate and GEICO continually stream television and radio advertisements. All the ads convey the message that you can save if you move to their company. How is it plausible that every one can offer you a better deal on car insurance? This is the trick they use.

Many companies have specific criteria for a prospective insured that will generate a profit. A good example of a preferred risk may be between the ages of 30 and 50, insures multiple vehicles, and drives less than 10,000 miles a year. Any customer who fits that profile will probably get cheap rates and will save when switching.

Insureds who don't measure up to these stringent criteria will be charged higher prices and ends up with the customer not purchasing. The ads say "customers that switch" but not "all drivers who get quotes" save that much money. This is how insurance companies can make those statements. Each company has different criteria, so it's extremely important to get a wide range of price quotes. It's just too difficult to predict which car insurance company will have the best auto insurance rates at this point in time.

Insurance claim statistics

Is your vehicle a claim risk? The following tables show the worst and best vehicle models for the probability of having claims for each type of coverage.

Car Insurance Medical Payment Claims by Vehicle Model
Lowest Overall Losses Highest Overall Losses
Ford Expedition Nissan Versa
Ford F-350 SuperCrew Chevrolet Spark
Chevrolet Silverado 3500 Dodge Charger
Land Rover Range Rover Sport Chrysler 200
Chevrolet Silverado 2500 Mitsubishi Mirage
Tesla Model S Nissan Sentra

Statistics from IIHS.org for 2013-2015 Model Years

Vehicles with the Lowest and Highest Liability Coverage Claims
Lowest Overall Losses Highest Overall Losses
Mercedes-Benz SL Class Hyndai Accent
Subaru Forester Kia Rio
Fiat 500 Chevrolet Impala
Subaru Outback Chevrolet Cruze
Chevrolet Corvette Kia Optima
Acura MDX Mitsubishi Lancer

Statistics from IIHS.org for 2013-2015 Model Years

Lowest and Highest Comprehensive Claims by Manufacturer Model
Lowest Overall Losses Highest Overall Losses
Chevy Spark Bentley Continental GT
Volvo V60 Maserati Granturismo
Chevy Silverado 2500 BMW M6
Ford F-350 Mercedes-Benz S Class
GMC Sierra 2500 Bentley Continental GTC
Nissan Leaf Porsche Panamera GTS

Statistics from IIHS.org for 2013-2015 Model Years

Collision Insurance Claims by Manufacturer Model
Lowest Overall Losses Highest Overall Losses
Ford F-250 SuperCab Nissan GT-R
Ford Edge Bently Continental GTC
Nissan Xterra Maserati Ghibli
Mini Cooper Bentley Continental Flying Spur
Smart ForTwo Bently Continental GT
Chevrolet Colorado BMW M6

Statistics from IIHS.org for 2013-2015 Model Years

Smart consumers save more

You just read a lot of ways to reduce car insurance auto insurance rates online in Buffalo. The most important thing to understand is the more companies you get premium rates for, the higher your chance of finding inexpensive Buffalo car insurance quotes. You may even discover the most savings is with the smaller companies.

Budget-conscious car insurance can be purchased both online as well as from insurance agents, so you need to quote Buffalo car insurance with both to have the best rate selection. A few companies may not have online quoting and usually these small insurance companies prefer to sell through independent insurance agents.

Consumers leave their current company for many reasons like delays in paying claims, policy non-renewal, not issuing a premium refund and questionable increases in premium. It doesn't matter why you want to switch switching car insurance companies can be easy and end up saving you some money.

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