Compare Buffalo Auto Insurance Prices With These Tips

Are you intimidated by the dozens of auto insurance options in Buffalo? You're not alone. Consumers have so many options that it can turn into a real challenge to find lower rates.

It's important to compare prices every six months because prices are constantly changing. Just because you found the lowest price a year ago you will most likely find a better rate today. Forget anything you know (or think you know) about auto insurance because you're about to find out how to use online quotes to reduce your cost while improving coverage.

If you currently have a car insurance policy, you should be able to cut costs considerably using this information. Shopping for the cheapest protection in Buffalo is easy if you know what you're doing. But Minnesota consumers do need to know how big insurance companies sell online because it can help you find the best coverage.

How much can you save with discounts?

Car insurance companies don't necessarily list every available discount in a way that's easy to find, so we researched both the well known as well as the least known ways to save on auto insurance.

  • Discount for Good Grades - Performing well in school can earn a discount of 20% or more. Earning this discount can benefit you well after school through age 25.
  • Multiple Vehicles - Buying insurance for multiple vehicles on one policy may reduce the rate for each vehicle.
  • Homeowners Discount - Being a homeowner may earn you a small savings due to the fact that maintaining a home shows financial diligence.
  • No Accidents - Drivers with accident-free driving histories pay much less compared to drivers who are more careless.
  • E-sign - A few companies may give you up to $50 for buying a policy and signing up digitally online.
  • Senior Citizens - If you qualify as a senior citizen, you may be able to get better auto insurance rates.
  • Save with a New Car - Adding a new car to your policy is cheaper because new vehicles have to meet stringent safety requirements.
  • Clubs and Organizations - Being a member of a civic or occupational organization could trigger savings on your policy.
  • Resident Student - Any of your kids who are attending college and do not have access to a covered vehicle can receive lower rates.
  • Low Mileage - Fewer annual miles could be rewarded with better rates on cars that stay parked.

Drivers should understand that many deductions do not apply to all coverage premiums. The majority will only reduce individual premiums such as medical payments or collision. So even though it sounds like all the discounts add up to a free policy, companies wouldn't make money that way.

Minnesota auto insurance

Save 15 percent in 15 minutes? Is it for real?

Companies like State Farm and Allstate continually stream television and radio advertisements. All the ads make the same claim that you'll save big after switching to their company. How can each company claim to save you money?

Insurance companies are able to cherry pick for the driver that earns them a profit. For instance, a preferred risk might be between 30 and 50, has no driving citations, and has excellent credit. A customer getting a price quote who matches those parameters gets the lowest rates and is almost guaranteed to save when they switch companies.

Potential insureds who don't meet the requirements will be charged more money which leads to the customer not buying. Company advertisements say "customers that switch" but not "drivers who get quotes" save that much. That's the way companies can make those claims. That is why you should get as many comparisons as possible. It's impossible to know which auto insurance company will have the lowest rates.

Learn more about Minnesota auto insurance

More detailed Minnesota auto insurance information is located at the Minnesota Department of Commerce website. Visitors are able to file complaints about a company, find out which companies have the most complaints, and report car insurance fraud.

The best insurance company isn't always the cheapest

We covered many ideas to reduce auto insurance prices online. The most important thing to understand is the more you quote, the better your comparison will be. You may even find the best prices are with some of the lesser-known companies.

Budget-conscious auto insurance can be sourced both online and also from your neighborhood Buffalo agents, so compare prices from both to have the best chance of lowering rates. Some companies may not provide you the ability to get quotes online and many times these small, regional companies only sell through independent insurance agents.

Insureds change insurance companies for a number of reasons such as poor customer service, lack of trust in their agent, an unsatisfactory settlement offer and even high rates after DUI convictions. It doesn't matter what your reason, choosing a new insurance company is less work than it seems.