I know you are confused "15 minutes can save you 15%", "don't let mayhem happen to you"...you are exposed to ads every day regarding auto insurance - online, on your drive to work, on the evening news. But what is the real story, the truth?

​The truth is nobody can make a blanket statement and it be the answer for everyone. The factors used in rating auto insurance are different from insurance company to insurance company. Your credit score, your driving record, your age, your home ownership status, all rating factors. And the weight of each factor is used to varying degrees by each auto insurance company.

How to buy auto insurance in Buffalo, NY.

Not too long ago auto insurance companies had 3, 4 or 5 levels of coverage - Super Preferred, Preferred, Standard etc. Now today with algorithms built, auto insurance companies have 80, 90 or 110 "tiers" of rates! They can do this via the computer algorithm built into the auto rating system they use. No longer is it an underwriters decision but the factors being plugged into their systems.

So ads you see every single day aren't the reality of what we see every day. Every auto insurance company follows their own rules, guidelines, factors to their own rating system. It isn't an exact science anymore but an ever changing composite of all the factors mentioned above. And auto insurance companies are constantly changing based on their profitability and if their rates are right for the marketplace.

How to buy auto insurance in Buffalo, NY

Just don't believe all that is said on a TV commercial, it isn't a "one-size-fits-all" solution they make it to be. We love educating consumer's and guiding them on how to buy auto insurance instead of being sold to.

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So while the professional baseball is on a pause, so are the games for the 45+ gang! Our baseball season is also on "pause" or may be cancelled altogether. The most disappointing thing would be to NOT play at Doubleday field in Cooperstown for the 11th year.

This would also have been my 51st year of catching! Seriously, been catching baseball/softball for 51 years! Love it too! Yes, my knees are fine, the arthritis in my right shoulder, not so much! Up until 2 years ago, I was playing on 3 different teams! Thursday night (45+), Friday night (35+) and Sunday morning (25+). Unfortunately, the Sunday morning league folded and that stopped that league. I am still on the other 2 teams.

What is your passion? Do you still follow your passion? I would love to hear your comments to this......

         During this awful pandemic shutdown, it really is a good time to sit down and review all financial items - including insurance. Sometimes it is human conditioning and old habits that makes us keep with the same insurance company and coverage year-after-year. But sometimes it does come to a surprise when the insurance company you are with, no longer fits your current situation.

      We recently helped a couple who has 3 cars & a home but with 3 different insurance policies. By putting everything with one insurance company - or bundling as some say - we were able to save them over $1,500 per year! I know this is a very extreme case but they had all the wrong coverage's and were with the wrong insurance companies for their situation.

     Still another clients situation was with 2 young drives in the household and some claim activity. Because of the young drives and at-fault accidents we told him to stay where he was on the auto insurance policy. Meanwhile we took his home and umbrella insurance policies from $3,096 down to $1,920 a year. So sometimes un-bundling is a good thing when shopping insurance amoungst 12 different insurance companies.

​      This client had been with the same insurance company for 8 years and never bothered to check around. Once we had a chance to review everything for him, we advised properly on the auto (stay put, young driver with a new car) and also on the home & umbrella insurance for maximum savings.