Would you like an easy way to compare cheaper Ford Fiesta insurance in Buffalo? Trying to come up with a payment for overpriced auto insurance can drain your monthly budget and force you to prioritize other expenses. Price shopping at each renewal can lower your rates and help to cut your insurance bill.
Remarkably, a study showed that the vast majority of New York auto insurance customers have been with the same company for well over three years, and nearly half have never compared auto insurance rates at all. Many consumers in the United States could save roughly 47% every year by just comparing quotes, but they assume it’s a waste of time to compare rates and save money.
Online insurance companies like State Farm, GEICO and Farmers Insurance continually bombard you with ad campaigns and it can be hard to see through the deception and effectively compare rates to find the best deal.
It’s a great practice to compare prices periodically because auto insurance prices are adjusted regularly by insurance companies. Even if you got the best rates on Ford Fiesta insurance in Buffalo at your last renewal there may be better deals available now. Ignore everything you know about auto insurance because I’m going to teach you how to use online quotes to find lower rates on auto insurance.
Best companies for Ford Fiesta insurance
The auto insurance companies shown below are ready to provide comparison quotes in Buffalo, NY. If your goal is to find cheap auto insurance in New York, we suggest you visit as many as you can in order to find the most affordable rates.
Eight Tips to Get Lower-cost Buffalo Insurance Premiums
Many factors are part of the equation when you quote your car insurance policy. Some factors are common sense such as traffic violations, but other criteria are not as apparent like your continuous coverage or how financially stable you are. An important part of buying insurance is that you know a few of the rating criteria that come into play when calculating the price you pay for insurance. If you understand what controls the rates you pay, this allows you to make good choices that can help you get much lower annual insurance costs.
Being married can lower rates – Walking down the aisle can actually save you money on your insurance bill. Marriage generally demonstrates drivers are more mature and insurance companies like that married drivers get in fewer accidents.
Drivers with good credit save on insurance – An insured’s credit rating can be an important factor in calculating your insurance rates. Therefore, if your credit history is lower than you’d like, you may save money insuring your Ford Fiesta by repairing your credit. Drivers with excellent credit scores tend to be better risks to insure than drivers with bad credit.
Gender matters – Over time, data shows that females take fewer risks when driving. This data doesn’t prove that males are worse at driving than females. Women and men tend to get into at-fault accidents in similar numbers, but males cause more damage and cost insurance companies more money. Not only are claims higher, but men get cited for more serious violations such as driving while intoxicated (DWI) or driving recklessly. Young men ages 16 to 20 are most likely to cause an accident so they pay the highest premiums.
Deter vehicle theft – Choosing a vehicle that has an advanced theft prevention system can help lower your premiums. Advanced theft deterrents such as OnStar, LoJack tracking, and tamper alarms all hinder car theft.
Teenage vs. mature drivers – Youthful drivers in New York tend to get distracted easily with other occupants in the car and because of this, their insurance rates are much higher. Older drivers have been proven to be more responsible, file fewer claims, and are generally more financially stable.
Is you vocation costing you more? – Careers like fire fighters, social workers, and stock brokers tend to pay higher rates than average in part from intense work situations and long work hours. On the other hand, occupations like scientists, students and homemakers have lower than average premiums.
Less chance of injury means lower insurance rates – Vehicles with good safety scores get lower rates. Vehicles built for safety reduce occupant injuries and reduced instances of injuries translates into fewer and smaller insurance claims which can result in lower premiums. If your Ford Fiesta has ratings of a minimum four stars on Safercar.gov or an “acceptable” rating on iihs.org you may be receiving a better rate.
Type of car determines base prices – The type of vehicle you are buying insurance for makes a substantial difference in how high your rates are. The lowest base rates are generally reserved for lower performance four cylinder passenger vehicles, but the final cost of insurance is determined by many other factors.
Ford Fiesta insurance loss data – Insurers factor in historical loss data to help calculate premium rates. Models that statistically have a trend towards higher claims will cost more to insure.
The information below illustrates the insurance loss data for Ford Fiesta vehicles. For each coverage type, the loss probability for all vehicles, regardless of make, model or trim level, is equal to 100. Numbers shown that are under 100 mean the vehicle has better than average losses, while values over 100 indicate more frequent losses or tendency to have larger claims.
| Vehicle Make and Model | Collision | Property Damage | Comp | Personal Injury | Medical Payment | Bodily Injury |
|---|---|---|---|---|---|---|
| Ford Fiesta | 96 | 91 | 73 | 115 | 123 | 113 |
Statistics Source: Insurance Institute for Highway Safety for 2013-2015 Model Years
Affordable rates on Ford Fiesta insurance in Buffalo with these car insurance discounts
The price of auto insurance can be rather high, but there’s a good chance there are discounts that you may not know about. Certain credits will be shown when you complete an application, but once in a while a discount must be manually applied prior to receiving the credit.
- Seat Belt Usage – Drivers who require all occupants to buckle their seat belts could cut 10% or more on medical payment and PIP coverage.
- Air Bags and Passive Restraints – Factory options such as air bags or motorized seat belts can qualify for discounts up to 30%.
- Drivers Ed for Students – Make teen driver coverage more affordable by requiring them to complete a driver education course in school.
- Anti-lock Brake Discount – Cars with ABS and/or traction control can reduce accidents and the ABS can save up to 10%.
- Professional Memberships – Being in a civic or occupational organization in Buffalo may earn a discount on car insurance.
- Government Employee Discount – Being employed by or retired from a federal job may qualify for a discount when you quote Buffalo car insurance with some car insurance companies.
- No Claims – Good drivers with no accidents pay less in comparison to policyholders that have many claims.
You should keep in mind that some of the credits will not apply to the entire policy premium. Most cut individual premiums such as comp or med pay. Even though it appears you can get free auto insurance, you aren’t that lucky. But any discount should help lower your policy premiums.
A few popular companies and their offered discounts include:
- Progressive has savings for homeowner, continuous coverage, good student, multi-vehicle, online quote discount, and multi-policy.
- The Hartford discounts include defensive driver, good student, air bag, driver training, vehicle fuel type, and bundle.
- Mercury Insurance offers premium reductions for multi-policy, low natural disaster claims, accident-free, good driver, anti-theft, and professional/association.
- GEICO offers discounts including emergency military deployment, federal employee, air bags, membership and employees, multi-policy, good student, and anti-lock brakes.
- AAA may include discounts for multi-car, education and occupation, multi-policy, good student, AAA membership discount, anti-theft, and pay-in-full.
- State Farm may offer discounts for good student, multiple policy, Steer Clear safe driver discount, multiple autos, accident-free, driver’s education, and passive restraint.
When quoting, ask every prospective company which discounts can lower your rates. Some credits might not be offered everywhere. To see a list of insurers who offer cheap Ford Fiesta insurance quotes in Buffalo, click this link.
Local Buffalo insurance agents
Many people still prefer to buy from a local agent and that is a smart decision The best thing about comparing rate quotes online is the fact that you can find the best rates and still have an agent to talk to. And buying from local insurance agents is definitely important in Buffalo.
To make it easy to find an agent, after completing this quick form, the coverage information is transmitted to agents in your area who will give you quotes to get your business. It simplifies rate comparisons since you won’t have to contact an agency since rate quotes are delivered straight to your inbox. You’ll get the best rates and a licensed agent to talk to. If you want to get a comparison quote from a specific company, you just need to navigate to their website and give them your coverage information.
Not all auto insurance agents are the same
If you are searching for a reliable agent, it’s important to understand the different types of agencies and how they function. Auto insurance agents can be classified as either exclusive or independent.
Independent Agents
These type of agents are normally appointed by many insurers and that is an advantage because they can write policies through lots of different companies and find you cheaper rates. To move your coverage to a new company, they simply switch companies in-house which makes it simple for you. When comparing auto insurance prices, it’s recommended you get several quotes from a few independent agents to have the most options to choose from.
Listed below is a small list of independent agencies in Buffalo that may be able to provide cheap rate quotes.
Consolidated Insurance Agents
3814 Seneca St – Buffalo, NY 14224 – (716) 674-1700 – View Map
C.N. Maranto Agency, Inc.
36 Hopkins Rd – Buffalo, NY 14221 – (716) 633-1818 – View Map
Nationwide Insurance: Cynthia Woltz Insurance Agency Inc
1926 clinton – Buffalo, NY 14206 – (716) 822-6874 – View Map
Exclusive Auto Insurance Agencies
Agents in the exclusive channel can usually just insure with one company such as AAA, State Farm, Farmers Insurance, and Allstate. They generally cannot compare other company’s rates so they really need to provide good service. These agents are highly trained on sales techniques which aids in selling service over price.
Below are Buffalo exclusive agents who can help you get price quotes.
State Farm: Dan Hawrylczak
1335 Hertel Ave – Buffalo, NY 14216 – (716) 873-3771 – View Map
GEICO Insurance Agent
3835 McKinley Pkwy #2 – Buffalo, NY 14219 – (716) 604-0345 – View Map
Lou Santiago – State Farm Insurance Agent
557 Niagara St – Buffalo, NY 14201 – (716) 883-5500 – View Map
Deciding on an auto insurance agent should depend on more than just a cheap price quote. A good agent in Buffalo will have answers to these questions.
- Is the agent properly licensed in New York?
- What company do they have the most business with?
- What kind of financial rating does the company have?
- How much can you save by raising your physical damage deductibles?
- Are they able to influence company decisions when a claim is filed?
Once you have received acceptable answers to all your questions in addition to an acceptable price estimate, you may have just found a car insurance agent that is a good match to insure your vehicles. It’s important to know that you can always cancel your policy whenever you want so never assume that you are obligated to your new company with no way to switch.
Buffalo car insurance company ratings
Buying coverage from the top insurer is hard considering how many choices drivers have in Buffalo. The ranking information displayed below could help you decide which car insurance providers you want to consider shopping your coverage with.
Top 10 Buffalo Car Insurance Companies Ranked by Claims Service
- Progressive
- USAA
- Liberty Mutual
- State Farm
- GEICO
- Nationwide
- Allstate
- The General
- The Hartford
- 21st Century
Insurance agents can help
When quoting and choosing coverage for your vehicles, there is no one size fits all plan. Your needs are unique to you and your auto insurance should be unique as well.
For example, these questions can help discover whether you would benefit from an agent’s advice.
- Does medical payments coverage apply to all occupants?
- Is a new car covered when I drive it off the dealer lot?
- Should I pay a claim out-of-pocket?
- What vehicles should carry emergency assistance coverage?
- What is the ISO rating for a Ford Fiesta?
- Is my dog or cat covered if injured in an accident?
- Do I need rental car coverage?
If you don’t know the answers to these questions but a few of them apply, you might consider talking 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.
Smart consumers save more
Some insurance providers do not offer the ability to get quotes online and these smaller companies work with independent agents. Cheap Ford Fiesta insurance in Buffalo can be sourced both online and also from your neighborhood Buffalo agents, so you should compare both so you have a total pricing picture.
When trying to cut insurance costs, never buy lower coverage limits just to save a few bucks. There have been many cases where an accident victim reduced physical damage coverage to discover at claim time that it was a big mistake. The goal is to purchase plenty of coverage at the best possible price while still protecting your assets.
Steps to finding lower priced Ford Fiesta insurance in Buffalo
The best way to get cheaper car insurance rates in Buffalo is to do a yearly price comparison from companies in New York. Prices can be compared by following these guidelines.
- It will benefit you to learn about coverages and the measures you can control to prevent expensive coverage. Many rating factors that result in higher rates like high-risk driving behaviors and a bad credit score can be controlled by making minor changes to your lifestyle.
- Compare price quotes from direct carriers, independent agents, and exclusive agents. Direct and exclusive agents can provide rates from a single company like GEICO and Allstate, while agents who are independent can provide prices from multiple insurance companies.
- Compare the new rate quotes to your existing rates and determine if there is any savings. If you can save money, verify that coverage does not lapse between policies.
- Give notification to your agent or company to cancel your existing policy and submit a down payment along with a signed application to your new insurance company. Once received, put the proof of insurance certificate with the vehicle registration.
One bit of advice is to use identical deductibles and limits on each quote and and to compare as many different insurance providers as possible. Doing this ensures a level playing field and plenty of rates choose from.
Even more information is available by following these links:
- Airbag FAQ (iihs.org)
- Who Has the Cheapest Buffalo Auto Insurance Rates for a Nissan Rogue? (FAQ)
- What is the Best Cheap Auto Insurance in Buffalo, NY? (FAQ)
- How Much are Auto Insurance Rates for a Jeep Grand Cherokee in Buffalo? (FAQ)
- How Much are Auto Insurance Quotes for a Learners Permit in Buffalo? (FAQ)
- Should I Buy a New or Used Car? (Allstate)
- Auto Theft Statistics (Insurance Information Institute)
- New vehicle ratings focus on headlights (Insurance Institute for Highway Safety)