You are exposed to endless auto insurance ads on TV, on your way to work, online...it never ends! Who do you trust when they give you confusing messages - only pay what you need? What does THAT mean? The truth is nobody can make a blanket statement and it be the answer for everyone. The rating factors used are different for you, your neighbor, your sister, your co-worker!

How to buy auto insurance in Buffalo, NY

Not long ago, auto insurance companies had like 4 or 5 "tiers' of pricing - like Super Preferred, Preferred, standard, etc. Today, the auto insurance companies each have 80 tiers, 92 tiers, 98 tiers! Which is why auto insurance rates can be so widely different. Your age, where you live, homeowner or renter, credit, your motor vehicle record, kind of cars you drive - all contributing factors for auto insurance.

How to buy auto insurance in Buffalo, NY

Buying auto insurance shouldn't be a price only determination, like the TV commercials will have you believe. What do YOU need to protect? A nice, upscale home? Nice cars that are expensive to repair? A good paying job that could be exposed to a wage garnish? This is what happens when you buy low limits of insurance, you get sued. Then everything you own is at risk.

How to buy auto insurance in Buffalo, NY should not be the lowest price wins. It does go much deeper than that when everything you own is at risk. I always tell people to be a smart insurance consumer and we can help with that.