How to buy auto insurance in Buffalo, NY.

How to buy auto insurance in Buffalo, NY

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

The truth is nobody can make a blanket insurance statement and it be true for everyone. The factors used in rating auto insurance will be different from insurance company to insurance company. Your credit score, your driving record, your age, your home ownership status, how you use your auto's....all factors different from household to household.

How to buy auto insurance in Buffalo, NY

The fact is, years ago all auto insurance companies had, like 5 tiers of pricing - Ultra Preferred, Super Preferred, Preferred....etc.  Now every auto insurance company has 80 or 90 tiers of pricing! The algorithms used by every auto insurance company are all over the board. One might use your homeowner status (and bundling) as the main factor. Another will use credit as the main factor. Yes another will use claims history as the determining factor.

So the TV ads you see everyday are sort of misleading because they make a blanket statement that just isn't true. The auto insurance quoting field just isn't level when there are so many factors that go into pricing. Independent insurance broker's like us are the best option because we'll have 10, 12, 14 insurance companies to rate you with - thus we are doing the shopping for you. We'll give you our honest feedback and not try to sell you 1 product, like the online companies do. We build a relationship not sell a product after I talked to you 1x.

Just don't believe those misleading auto ads you hear.