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Larsen Insurance Agency Blog

Call Today 684-3203

How can I cut my car insurance premiums?

5/11/2022

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1-Raise your deductibles
2-Get a combo policy with your house.
3-Trade in your car for a less expensive one.
4-Take an online safe driver course (10% off).
5-Drop collision if you car’s value is low.
6-Search with an independent insurance agent, like - Independent agent auto insurance YOUR TOWN
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Do insurance companies share information with other insurance companies on the claims that have been made?

5/5/2022

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It’s called a C.L.U.E. report, stands for Comprehensive Loss Underwriting Exchange and ALL insurance companies report to them. No longer hiding that car accident that there was no police report. Or that wind storm damage to your siding, that cost less than your deductible to fix (thus shows $0 paid out). We had a new insured that said “I’ve had 0 claims” and the C.L.U.E. report showed 5 claims but $0 paid out. When I asked him about it, he said my S.F. agent, when I called to ask about a damage to my property, he said “Call the 800#!”. Guess what? That then shows up on your C.L.U.E. report!
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How to buy auto insurance in Buffalo, NY

5/4/2022

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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.
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8665 Sheridan Dr
Williamsville, NY 14221
(716) 684-3203
Click Here to Email Us

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  • Home
  • Quotes
    • Property Quotes >
      • Landlords Insurance Quote
      • Home Insurance Quote
      • Earthquake Insurance Quote
      • Flood Insurance Quote
      • Renters Insurance Quote
    • Auto Quotes >
      • Auto Insurance Quote
      • ATV Insurance Quote
      • Roadside Assistance Quote
      • Motorcycle Quote
      • RV Insurance Quote
    • Business Quotes >
      • Business Insurance Quote
      • Hair Salons Quote
      • Restaurant Quotes
      • Business Owners Package (BOP) Insurance Quote
      • Workers Compensation Quote
    • Life & Financial Quotes >
      • Life Insurance Quote
      • Umbrella Insurance Quote
    • Other Quotes >
      • Boat Insurance Quote
      • Event Insurance Quote
      • Wedding Insurance Quote
      • Pet Insurance Quote
  • Service
    • Report a Claim
    • Update Contact Info
    • Policy Changes
    • Proof of Insurance
    • Policy Review
    • Contact My Carrier
    • Free Consultation
  • Insurance
    • Property >
      • Landlords Insurance
      • Home Insurance
      • Earthquake Insurance
      • Flood Insurance
      • Renters Insurance
    • Vehicles >
      • Auto Insurance
      • ATV Insurance
      • Motorcycle Insurance
      • Roadside Assistance
      • RV Insurance
    • Business >
      • Business Insurance
      • Hair Salon Insurance
      • Restaurant Insurance
      • Business Owners Package (BOP) Insurance
      • Workers Compensation
    • Life/Financial >
      • Life Insurance
      • Umbrella Insurance
    • Other >
      • Boat Insurance
      • Event Insurance
      • Wedding Insurance
      • Pet Insurance
  • About
    • Blog
    • Client Testimonials
    • Refer a Friend
    • Free Reports
    • Staff Directory
    • Insurance Carriers
    • Agency Photo Gallery
    • Accessibility Statement
    • News
  • Videos
    • Landlords Insurance
    • Comprehensive Coverage
    • Independent Insurance Broker VS an Insurance Agent
    • How to Get Good NY Landlord Insurance Policy
    • Homeowner and Liability Risks
    • Homeowners Garage Insurance
    • Property and Landlord Insurance
    • Underground or Service Line Homeowner Coverage
    • Running The Game with Tom Larsen
  • Contact
    • Privacy Policy
  • FAQs