Inconceivable but true, the majority of drivers have remained with the same insurance company for well over three years, and 38% of drivers have never quoted insurance rates at all. Many consumers in Buffalo could save roughly $840 each year by just comparing rate quotes, but most undervalue how much money they would save if they switched to a more affordable policy.
It takes a little time, but the best way to save money on car insurance rates in Buffalo is to do a yearly price comparison from companies in New York.
- Try to learn about the different coverages in a policy and the modifications you can make to drop your rates. Many factors that increase rates such as at-fault accidents, speeding tickets, and a negative credit history can be eliminated by making minor changes to your lifestyle.
- Obtain price quotes from independent agents, exclusive agents, and direct companies. Direct and exclusive agents can provide rates from one company like GEICO and Allstate, while independent agents can provide rate quotes from multiple sources. Find a Buffalo insurance agent
- Compare the price quotes to the premium of your current policy to see if you can save by switching companies. If you find better rates and switch companies, make sure coverage does not lapse between policies.
- Provide proper notification to your current company of your intention to cancel your existing policy. Submit a down payment and signed policy application to your new carrier. Immediately upon receiving it, keep your new proof of insurance paperwork in an easily accessible location in your vehicle.
One piece of advice is that you’ll want to make sure you compare similar limits and deductibles on every price quote and and to compare every insurance company. This enables an apples-to-apples comparison and the best price quote selection.
The quickest method to compare insurance rates from multiple companies is to know the trick almost all companies will pay a fee to quote your coverage. The one thing you need to do is provide a small amount of information like if you require a SR-22, if you have a valid license, deductibles desired, and daily mileage. The data is instantly provided to all major companies and you should receive rate quotes very quickly.
To compare rates for your Chevy Aveo now, click here and enter your coverage details.
The car insurance companies shown below can provide free quotes in Buffalo, NY. To find cheaper car insurance in New York, we recommend you click on several of them to get a more complete price comparison.
Detailed insurance information
The premium information displayed below outlines a range of insurance prices for Chevy Aveo models. Having a better understanding of how premiums are formulated can be useful when making smart choices when comparing insurance rates.
| Model | Comp | Collision | Liability | Medical | UM/UIM | Annual Premium | Monthly Premium |
|---|---|---|---|---|---|---|---|
| Aveo LS 4-Dr Hatchback | $142 | $320 | $278 | $16 | $84 | $840 | $70 |
| Aveo LS 4-Dr Sedan | $142 | $320 | $278 | $16 | $84 | $840 | $70 |
| Aveo LT 4-Dr Hatchback | $162 | $320 | $278 | $16 | $84 | $860 | $72 |
| Aveo LT 4-Dr Sedan | $162 | $320 | $278 | $16 | $84 | $860 | $72 |
| Get Your Own Custom Quote Go | |||||||
Data variables include married female driver age 40, no speeding tickets, no at-fault accidents, $500 deductibles, and New York minimum liability limits. Discounts applied include safe-driver, homeowner, multi-policy, claim-free, and multi-vehicle. Rate information does not factor in vehicle garaging location which can influence coverage rates significantly.
Physical damage deductibles
One common question asked by Buffalo drivers is how high should the physical damage coverage deductibles be. The rates shown below illustrate the differences in premium rates of buying low and high coverage deductibles. The first table uses a $100 physical damage deductible and the second set of prices uses a $500 deductible.
| Model | Comp | Collision | Liability | Medical | UM/UIM | Annual Premium | Monthly Premium |
|---|---|---|---|---|---|---|---|
| Aveo LS 4-Dr Hatchback | $228 | $484 | $264 | $16 | $80 | $1,097 | $91 |
| Aveo LS 4-Dr Sedan | $228 | $484 | $264 | $16 | $80 | $1,097 | $91 |
| Aveo LT 4-Dr Hatchback | $258 | $484 | $264 | $16 | $80 | $1,127 | $94 |
| Aveo LT 4-Dr Sedan | $258 | $484 | $264 | $16 | $80 | $1,127 | $94 |
| Get Your Own Custom Quote Go | |||||||
| Model | Comp | Collision | Liability | Medical | UM/UIM | Annual Premium | Monthly Premium |
|---|---|---|---|---|---|---|---|
| Aveo LS 4-Dr Hatchback | $166 | $328 | $264 | $16 | $80 | $854 | $71 |
| Aveo LS 4-Dr Sedan | $166 | $328 | $264 | $16 | $80 | $854 | $71 |
| Aveo LT 4-Dr Hatchback | $188 | $328 | $264 | $16 | $80 | $876 | $73 |
| Aveo LT 4-Dr Sedan | $188 | $328 | $264 | $16 | $80 | $876 | $73 |
| Get Your Own Custom Quote Go | |||||||
Prices above based on married male driver age 30, no speeding tickets, no at-fault accidents, and New York minimum liability limits. Discounts applied include safe-driver, multi-vehicle, multi-policy, claim-free, and homeowner. Prices do not factor in zip code location which can decrease or increase coverage prices noticeably.
Based on this data, using a $100 deductible will cost you about $21 more each month or $252 every year than quoting the higher $500 deductible. Since you would pay $400 more if you file a claim with a $500 deductible as compared to a $100 deductible, if you tend to average at least 19 months between claims, you would most likely save money if you choose the higher deductible.
Calculation for raising deductibles
| Average monthly premium for $100 deductibles: | $93 |
| Average monthly premium for $500 deductibles (subtract): | – $72 |
| Monthly savings from raising deductible: | $21 |
| Difference between deductibles ($500 – $100): | $400 |
| Divide difference by monthly savings: | $400 / $21 |
| Number of months required between physical damage coverage claims in order to save money by choosing the higher deductible | 19 months |
One big caveat is that increasing deductibles to save money results in a higher out-of-pocket expense when you do file a claim. That will force you to have some extra funds in order to pay more for the deductible.
Male drivers versus female drivers
The information below compares Chevy Aveo insurance rates for male and female drivers. The prices are based on a clean driving record, no at-fault accidents, full physical damage coverage, $500 deductibles, single marital status, and no policy discounts are applied.
Tailor your insurance coverage to you
When it comes to choosing coverage, there really is not a “best” method to buy coverage. You are unique and your policy should reflect that.
These are some specific questions may help you determine whether you might need professional guidance.
- Will I be non-renewed for getting a DUI or other conviction?
- Does medical payments coverage apply to all occupants?
- Will my insurance pay for OEM parts?
- Why do I only qualify for high-risk insurance?
- Is my custom paint covered by insurance?
- Do all my vehicles need collision coverage?
If you don’t know the answers to these questions then you might want to talk to an insurance agent. If you don’t have a local agent, fill out this quick form or go to this page to view a list of companies. It is quick, free and can help protect your family.
Get rate quotes but buy from a local Buffalo insurance agent
A lot of people still prefer to go talk to an agent and that is just fine! Professional insurance agents are very good at helping people manage risk and will help you if you have claims. The biggest benefit of comparing rate quotes online is you can get lower premium rates and still choose a local agent. Buying from neighborhood insurance agencies is definitely important in Buffalo.
After completing this form (opens in new window), your insurance data is emailed to insurance agents in Buffalo who want to provide quotes and help you find cheaper coverage. It makes it easy because there is no need to leave your house since rate quotes are delivered immediately to your email address. If you need to compare prices from a particular provider, just search and find their rate quote page and give them your coverage information.
Pick the best auto insurance agent in Buffalo for you
If you would like to find a reliable insurance agency, it’s important to understand the different agency structures that you can select. Car insurance agencies can be categorized as either exclusive or independent (non-exclusive). Both types can sell car insurance policies, but it’s good to learn the subtle differences because it can influence which type of agent you select.
Independent Car Insurance Agents
Agents of this type can sell policies from many different companies so they can quote policies with an assortment of companies and help determine which has the cheapest rates. If they find a cheaper price, an independent agent can move your coverage which makes it simple for you.
When comparing rate quotes, we recommend you include at a minimum one independent agency so that you can do a thorough price comparison. A lot of them also have access to smaller companies that can offer cheaper rates than bigger companies.
The following is a small list of independent agents in Buffalo that can give you comparison quotes.
- Buffalo Queen City Insurance Agency
26 French Lea Rd – Buffalo, NY 14224 – (716) 608-6047 – View Map - Vanner Insurance Agency
11 Pinchot Ct # 2 – Buffalo, NY 14228 – (716) 688-8888 – View Map - Encompass Agency, Inc.
142 Niagara Falls Blvd – Buffalo, NY 14214 – (716) 835-6790 – View Map
Exclusive Agencies
Exclusive agencies can only write with one company and examples are American Family, State Farm, and AAA. Exclusive agents cannot compare rates from other companies so they really need to provide good service. Exclusive agencies are trained well on their products and sales techniques which helps them sell on service rather than price. Some insured continue to use the same agent mainly due to high brand loyalty rather than low rates.
Below are exclusive agencies in Buffalo that are able to give price quote information.
- State Farm: Dan Hawrylczak
1335 Hertel Ave – Buffalo, NY 14216 – (716) 873-3771 – View Map - Marc Scherrer – State Farm Insurance Agent
2165 Sheridan Dr – Buffalo, NY 14223 – (716) 875-0524 – View Map - George Ihle III – State Farm Insurance Agent
7718 Buffalo Ave – Niagara Falls, NY 14304 – (716) 283-9100 – View Map
Choosing the best insurance agency requires more thought than just the premium amount. Some important questions to ask are:
- How experienced are they in personal risk management?
- Do the coverages you’re quoting properly cover your vehicle?
- Is the quote a firm price?
- Do they specialize in personal lines auto insurance in Buffalo?
- Do they receive special compensation for putting your coverage with one company over another?
- How often do they review policy coverages?
- Are all drivers listed on the coverage quote?
- Are they full-time agents?
Once you have received good responses to your questions in addition to an acceptable price estimate, you have narrowed it down to an auto insurance agent that meets the requirements to properly insure your vehicles.