One of the more important considerations that determine the price you pay for insurance is where you choose to live. Areas with more people or more claims tend to have higher auto insurance costs, whereas areas with lower vehicle theft rates and fewer weather claims have the luxury of cheap car insurance rates.
The table below lists the most expensive areas in New York for nurses to purchase car insurance in. Buffalo shows up at #13 with a yearly cost of $1,488 for the average policy, which is about $124 per month.
| Rank | City | Premium Per Year |
|---|---|---|
| 1 | New York | $2,735 |
| 2 | Freeport | $2,281 |
| 3 | Hempstead | $2,211 |
| 4 | Levittown | $2,061 |
| 5 | Yonkers | $1,978 |
| 6 | Mount Vernon | $1,938 |
| 7 | Hicksville | $1,919 |
| 8 | Brentwood | $1,872 |
| 9 | West Babylon | $1,856 |
| 10 | Coram | $1,784 |
| 11 | White Plains | $1,661 |
| 12 | New Rochelle | $1,610 |
| 13 | Buffalo | $1,488 |
| 14 | West Seneca | $1,225 |
| 15 | Cheektowaga | $1,203 |
| 16 | Niagara Falls | $1,201 |
| 17 | Tonawanda | $1,177 |
| 18 | Syracuse | $1,119 |
| 19 | Utica | $1,092 |
| 20 | Troy | $1,085 |
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Prices are estimated as specific Buffalo zip code can impact insurance rates greatly.
Buying cheap insurance is challenging, and finding out which companies offer the lowest-priced insurance rates for nurses calls for even more diligence. Every auto insurer uses different criteria for setting rates, so let’s take a look at the insurance companies with the overall best prices in Buffalo, NY.
It’s important that you understand New York insurance rates are influenced by many factors that can increase your annual premium. Taking a driver safety course, moving to a new city, or getting a ticket for careless driving may cause policy rate changes that can cause some rates to be cheaper than before.
Find the Cheapest Auto Insurance for Health Occupations
| Rank | Company | Cost Per Year |
|---|---|---|
| 1 | USAA | $1,163 |
| 2 | Erie | $1,205 |
| 3 | Utica National | $1,489 |
| 4 | Progressive | $1,512 |
| 5 | Travelers | $1,529 |
| 6 | Allstate | $1,541 |
| 7 | Amica | $1,580 |
| 8 | MetLife | $1,588 |
| 9 | Preferred Mutual | $1,686 |
| 10 | New York Central Mutual | $1,818 |
| 11 | GEICO | $1,869 |
| 12 | Safeco | $1,946 |
| 13 | State Farm | $1,982 |
| 14 | Central Mutual | $2,008 |
| 15 | Liberty Mutual | $2,087 |
| 16 | Hanover | $2,299 |
| 17 | Encompass | $2,662 |
| 18 | Nationwide | $3,147 |
| 19 | Mercury | $3,809 |
| 20 | 21st Century | $4,412 |
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USAA has some of the most affordable car insurance rates in Buffalo at around $1,163 annually. Erie, Utica National, Progressive, and Travelers are also some of the cheapest Buffalo, NY auto insurance companies.
In the above rates, if you have coverage with Progressive and switched to USAA, you might achieve an annual premium reduction of upwards of $349. Policyholders with Travelers could save as much as $366 a year, and Allstate insureds might reduce rates by $378 a year.
To compare your rates to other New York insurance companies, click here to get quotes or quote prices from the following companies.
It’s important to note that these rates are averages across all types of insureds and vehicles and and are not figured with a specific zip code for nurses. So the auto insurance company that fits your needs best may not even be in the list above. That helps illustrate why you need to quote rates from many companies using your own driver data and vehicle information.
Buying coverage from the highest-rated insurance company is difficult considering how many companies are available to choose from in New York. The information in the next section can help you pick which providers you want to consider shopping prices with.
These rankings are only made up of the largest auto insurers in America, so companies without a large exposure will not be included in these rankings. If you’d like to compare prices from these top insurers and more, just click here.
Top 10 Major Auto Insurers in Buffalo Ranked by A.M. Best Rating
- USAA – A++
- GEICO – A++
- Travelers – A++
- State Farm – A++
- Allstate – A+
- Nationwide – A+
- Esurance – A+
- Erie Insurance – A+
- Progressive – A+
- Mercury Insurance – A+
Bad driving habits will cost you more
In a perfect world, the best way to find the most affordable insurance rates for health professionals is to be an attentive driver and avoid accidents and violations. The chart below demonstrates how citations and at-fault claims can drive up insurance rates for different insured age categories. The data is based on a married female driver, comprehensive and collision coverage, $250 deductibles, and no discounts are taken into consideration.
In the prior example, the average cost of car insurance in New York per year with no accidents or violations is $1,080. Add in two speeding tickets and the average cost surges to $1,530, an increase of $450 each year. Now include two accidents along with the two speeding tickets and the 12-month cost of insurance for nurses jumps again to an average of $3,192. That’s an increase of $2,111, or $176 per month, just for a couple of infractions!
How to find low-cost auto insurance for nurses
The list below summarizes a few thrifty ideas that can help drivers get lower-cost auto insurance.
- Do not get tickets
- Avoid at-fault accidents and claims
- Better credit scores save money
- Avoid filing small claims
- Buying car and homeowners insurance together can save money
- Increase your deductibles
- Ensure you have the best deal by shopping around regularly
The last tip is extraordinarily critical, as we hit on in this piece. Auto insurance prices in Buffalo fluctuate constantly, so drivers shouldn’t hesitate to change insurance companies if you find a cheaper price.
Having a favorite company is fine, but is isn’t recommended if that loyalty results in overpaying potentially thousands of dollars a year. In less than five minutes you could compare rates and find cheaper insurance for nurses.
The Buffalo car insurance agencies listed below can answer your questions and help you decide which insurance coverage you need, as some people have coverage questions and would like to have some professional guidance when comparing insurance rates for nurses. It can be complicated to find the best rates on your own, and using a licensed agent can bring satisfaction knowing your policy gives you adequate coverage if you have an accident or claim. To locate an agency close to you, click the button link following the list or click here to compare prices now.
P.A.G. Agency Inc
1660 Kensington Ave – Buffalo, NY 14215 – (716) 835-3221
Lou Santiago – State Farm Insurance Agent
557 Niagara St – Buffalo, NY 14201 – (716) 883-5500
The Cesar Group Inc
354 Cayuga Rd – Buffalo, NY 14225 – (716) 626-0066