auto insurance buffalo ny

Why Cheap Car Insurance in Buffalo NY May Not Be the Best for You

cheap car insurance in buffalo nyCheap Car Insurance in Buffalo NY may not be the best for you because the coverage may likely just be at the minimum level required in New York and minimum coverages may leave you vulnerable.  Vulnerable to what?  Vulnerable to claims, especially medical injury claims that can be significant.

Through our online partner network of top tier companies, we offer our free and fast quoting system to give you a tool to obtain 3 to 4 quotes in minutes and you have the ability to adjust the coverage on your quotes to see the net effect on your premiums so you can customize your quotes to fit your unique situation and compare what the effect will be.

Cheap Car Insurance in Buffalo NY at Any Age

It doesn’t matter if you’re 18 or 60, whether you have a perfect driving record or have had citations or accidents, you have every opportunity to get the best priced car insurance in Buffalo NY no matter what your situation may be if you’re only willing to spend a few minutes and do some price shopping through our partner network for your location.  In fact, you can do the same thing with your health insurance, home insurance or any insurance you may need.

When you price shop for quotes, you’re giving yourself the ability to take advantage of the fact that car insurance in Buffalo NY is quoted differently by every company.  Given that fact, you’re extremely unlikely to get the same quote from any two companies.

What you’ll find is that some quotes will be cheaper and some will be more costly and by getting more than one quote you’ll quickly find that the first quote you receive isn’t your best quote.  That’s why you want more than one.  Logic would then tell you that you can’t get only two because one will be higher and one lower so you need a baseline to see what reality is.  Thereby, you need at least three.  I hope that makes sense to you.

Cheap Car Insurance Buffalo NY Through Education

Can becoming educated about car insurance help you get better pricing?  You bet it can.  Most people simply go to an insurance agent and take what’s given.  Whether it’s the minimum requirements or not, since no two companies quote the same, these folks are selling themselves short.  Even $20 per month is $240 per year.  Over 10 years, you start to see this begins adding up to real money.  What can you do?

Learning about the different types of car insurance will allow you to better understand what the car insurance requirements for Buffalo NY means when you’re buying and quoting your own insurance.  You don’t need to go about this naively.  If knowledge is power when it comes to insurance it means …. savings!

While it’s certainly true that younger people such as teenagers are going to pay more for car insurance in Buffalo and younger males more than younger females, that knowledge alone makes the argument for quoting even more important.  You may pay more, but you have ways to save money even at your age to lessen your premiums.  Either you want to save or you don’t.  Do the homework, spend the time to learn and learn about all of the ways that you can save money to get low cost car insurance in Buffalo NY if you’re serious about it.

The next important bit of information to learn is going to be about the minimum car insurance requirements for residents in New York.  Even the cheapest car insurance in Buffalo NY has to meet the state’s minimum requirements.  Often as we mentioned, you will want more than the minimum for certain types of coverage.

Cheap Car Insurance Buffalo NY – NY State Requirements

The average cost of car insurance in Buffalo NY is about $600 to $700 less per year than the average for the State of New York.  With large cities and lots of people, claims are more than in many parts of the country so yet again, it’s critical to get multiple quotes to ensure you’re getting the best pricing possible.  Make sense?

New York is a “no-fault” State when it comes to car insurance.  It’s not the only one, there are many, but it’s in the minority as compared to States that are at-fault states.  What it means is that no matter who is at fault for a car accident your insurance company will pay for damages up to a specified limit in your policy.  In an at-fault State, it’s always the insurance of the person at fault.

The minimum car insurance requirements for New York are:

  • Bodily Injury Liability limits of $25,000 per injured person up to a total of $50,000 per accident.
  • Property Damage Liability coverage with a minimum limit of $10,000.
  • PIP insurance or (Personal Injury Protection) which covers reasonable and required medical expenses is required to a minimum of $50,000 of coverage.
  • New York also requires under insured and uninsured driver coverage.  It’s optional in many states, but it’s a very important coverage to have.  You need a minimum of $25,000 of coverage per person with $50,000 per incident.

With these minimum requirements, you will likely get these levels and possibly many folks will get more than the minimum.  Sometimes, your health insurance will cover what your car insurance doesn’t cover.  Being over insured is a cost as well.  Get to know your policies and ask questions.

Quoting and buying car insurance is easy.  Understanding it takes a little time and effort and we hope you see the importance as you try to obtain cheap car insurance in Buffalo that really gives you the coverage you and possibly your family need.  When you quote there is never any obligation to purchase at all.  No pressure, no hassle, it’s free and convenient.  What could be better?  We hope you enjoy the savings we offer!

 

 

 

 

 

 

 

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Posted in: Auto Insurance, Insurance