Best Buick Rendezvous Insurance in Buffalo

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Trying to find cheaper Buick Rendezvous insurance in Buffalo? No sane person enjoys paying for insurance, especially when they know their premiums are too high.

Insurance quote for Buick Rendezvous in BuffaloShocking but true, about 70% of customers kept their coverage with the same insurance company for at least four years, and practically 40% of insurance customers have never compared rates to find lower-cost insurance. New York consumers could save approximately $840 each year, but most undervalue the amount of money they would save if they replace their high priced policy.

Due to the increasing number of insurance companies to choose from, it can be challenging to choose a lower cost company.

You need to compare premium rates every six months since prices tend to go up over time. Just because you found the lowest price on Buick Rendezvous insurance in Buffalo a couple years back other companies may now be cheaper. You'll find a ton of advice on Rendezvous insurance out there, but you can learn a lot of great tips on how to put money back in your pocket.

To find the best car insurance rates, there are several ways to compare rate quotes from many car insurance companies in New York. The easiest way by far to do a complete rate comparison is to get quotes online.

Online shopping is fast and free, and it makes it a waste of time to waste gas driving to insurance agencies in your area. Quoting and buying Buick Rendezvous insurance online has reduced the need for local agents unless you want the guidance of a licensed agent. Although, it is possible obtain prices from the web but buy from a local insurance agent.

Keep in mind that getting more free quotes will improve the odds of getting the best price. Not every company does online Buffalo Rendezvous insurance quotes, so it's important to also get price quotes from those companies as well.

The following companies can provide price quotes in New York. If multiple companies are listed, we suggest you visit as many as you can in order to get a fair rate comparison.

It may be expensive, but it's not optional

Despite the fact that insurance is not cheap in Buffalo, insuring your vehicle serves a purpose in several ways.

  • The majority of states have compulsory liability insurance requirements which means state laws require specific limits of liability insurance in order to drive the car legally. In New York these limits are 25/50/10 which means you must have $25,000 of bodily injury coverage per person, $50,000 of bodily injury coverage per accident, and $10,000 of property damage coverage.
  • If you took out a loan on your Rendezvous, it's guaranteed your bank will make it a condition of the loan that you have insurance to ensure the loan is repaid in case of a total loss. If you default on your policy, the lender may insure your Buick for a lot more money and require you to pay much more than you were paying before.
  • Insurance protects both your Buick and your assets. It will also pay for all forms of medical expenses for you, any passengers, and anyone injured in an accident. Liability insurance also pays for attorney fees and expenses if you are sued as the result of your driving. If you have damage to your Buick as the result of the weather or an accident, collision and comprehensive (also known as other-than-collision) coverage will pay to have it repaired.

The benefits of buying enough insurance are without a doubt worth the cost, particularly when you have a large claim. Today the average American driver overpays more than $850 per year so shop around every year to ensure rates are competitive.

Take advantage of these seven money saving discounts

Insurance can be prohibitively expensive, but you might be missing out on some discounts that could help you make your next renewal payment. Some discounts apply automatically when you get a quote, but some must be manually applied prior to receiving the credit.Cheaper car insurance with discounts

  • Safety Restraint Discount - Drivers who require all occupants to fasten their seat belts can save 10% or more on medical payment and PIP coverage.
  • Mature Driver Discount - Drivers that qualify as senior citizens may be able to get better car insurance rates.
  • Passenger Safety Discount - Factory air bags and/or automatic seat belt systems could see savings of 20% or more.
  • Discount for Multiple Policies - If you can bundle your homeowners and auto insurance and place coverage with the same company you may save approximately 10% to 15%.
  • Drive Safe and Save - Drivers who don't get into accidents may receive a discount up to 45% compared to accident prone drivers.
  • Full Payment Discount - If you pay your entire premium ahead of time instead of monthly or quarterly installments you can avoid monthly service charges.
  • Discount for Swiching Early - A few larger companies offer discounts for switching companies prior to your current Rendezvous insurance policy expiration. It could save around 10% when you buy Buffalo car insurance online.

Consumers should know that most credits do not apply to all coverage premiums. Some only reduce specific coverage prices like physical damage coverage or medical payments. Just because you may think all those discounts means the company will pay you, you aren't that lucky.

Companies that have these discounts include:

If you need affordable Buick Rendezvous insurance quotes, ask every insurance company which discounts you may be entitled to. Some of the discounts discussed earlier might not apply in Buffalo. To choose car insurance companies with the best Buick Rendezvous insurance discounts in New York, click here to view.

Insurance is available from local insurance agents

Many people still like to get professional advice from a licensed agent and that can be a smart move The best thing about comparing insurance prices online is that drivers can save money and get cheap insurance rates and still have a local agent.

Buffalo insurance agentsTo help locate an agent, after submitting this short form, your information is immediately sent to local insurance agents in Buffalo that can provide free Buffalo car insurance quotes for your business. You won't need to do any legwork since rate quotes are delivered to the email address you provide. You'll get the best rates without having to waste a lot of time. If you have a need to get a rate quote from one company in particular, feel free to jump over to their website and complete a quote there.

Choosing the best insurance company should include more criteria than just a cheap quote. Agents should be asked these questions:

  • How will an accident affect your rates?
  • Is working in the agency their full-time job?
  • Will a damage claim use OEM or aftermarket replacement parts?
  • If your car is in the repair shop, do you have coverage for a rental car?
  • Are all drivers listed on the coverage quote?
  • Do they have cheaper tiers of coverage?
  • How is replacement cost determined on your vehicle?

Different types of car insurance agents in Buffalo

When searching for a reliable insurance agency, it helps to know the two types of insurance agents and how they are distinctly different. Insurance agents may be either independent agents or exclusive agents depending on their employer.

Exclusive Agents

Exclusive insurance agents can only place business with one company and examples are Allstate, Farmers Insurance or State Farm. They are unable to provide prices from multiple companies so they are skilled at selling on more than just price. Exclusive agents receive a lot of sales training on what they offer which helps them sell insurance even at higher premiums.

The following are Buffalo exclusive agencies who may provide you with price quote information.


6699 Transit Road - Buffalo, NY 14221 - (716) 810-1500 - View Map


2460 Main St - Buffalo, NY 14214 - (716) 931-5200 - View Map


1335 Hertel Ave - Buffalo, NY 14216 - (716) 873-3771 - View Map

View more Buffalo agents

Independent Insurance Agents

Independent agencies do not work for one specific company so they can quote policies through many different insurance companies and help determine which has the cheapest rates. If you are not satisfied with one company, your agent can just switch to a different company without you having to go to a different agency. If you are comparing rate quotes, you need to include rate quotes from a few independent agents so that you have a good selection of quotes to compare.

Shown below is a short list of independent agencies in Buffalo who can help you get price quote information.


2521 Niagara Falls Blvd - Buffalo, NY 14228 - (716) 691-4000 - View Map


142 Niagara Falls Blvd - Buffalo, NY 14214 - (716) 835-6790 - View Map

Centinello Insurance
1274 Bailey Ave # 1 - Buffalo, NY 14206 - (716) 893-4332 - View Map

View more Buffalo agents

Once you have received good feedback to all your questions and an affordable coverage quote, chances are good that you have found an auto insurance agent that meets the requirements to service your policy. Just be aware that it's your coverage and you can terminate your policy whenever you want so don't think you are locked into your new company with no way to switch.

How to find a good New York auto insurance company

Buying coverage from a highly-rated company is difficult considering how many choices you have in New York. The information listed below can help you decide which insurers to look at when looking for cheaper rates.

Best Auto Insurance Companies in Buffalo
Company Value Customer Service Claims Customer Satisfaction A.M Best Rating Overall Score
The General 96 100 92 91% A- 95
Mercury Insurance 87 96 100 87% A+ 93.4
The Hartford 88 96 91 93% A+ 92.6
Progressive 84 94 99 90% A+ 92.4
Travelers 84 93 100 87% A++ 92.3
State Farm 84 93 95 87% A++ 91
Farmers Insurance 87 92 90 85% A 90.6
Erie Insurance 92 90 82 88% A+ 88.5
Safeco Insurance 85 91 87 86% A 88.4
USAA 71 93 98 87% A++ 88
GEICO 73 93 95 85% A++ 87.1
21st Century 85 85 91 89% A 86.9
Liberty Mutual 72 91 97 83% A 86.4
AAA Insurance 85 85 88 86% A 85.8
Nationwide 71 90 93 83% A+ 84.9
Allstate 69 92 92 83% A+ 84.4
American Family 77 96 80 85% A 83.8
Esurance 70 80 89 77% A+ 79.2
Compare Rates Now Go

Data Source: Insure.com Best Car Insurance Companies

Specifics of your car insurance policy

Learning about specific coverages of car insurance can help you determine appropriate coverage at the best deductibles and correct limits. The coverage terms in a policy can be difficult to understand and nobody wants to actually read their policy. Listed below are the normal coverages offered by car insurance companies.

Comprehensive car insurance - Comprehensive insurance will pay to fix damage OTHER than collision with another vehicle or object. A deductible will apply and then insurance will cover the rest of the damage.

Comprehensive insurance covers things like a tree branch falling on your vehicle, rock chips in glass, a broken windshield, hail damage and hitting a bird. The maximum amount a car insurance company will pay at claim time is the market value of your vehicle, so if it's not worth much more than your deductible consider removing comprehensive coverage.

Coverage for medical expenses - Coverage for medical payments and/or PIP kick in for immediate expenses for things like funeral costs, ambulance fees, EMT expenses, prosthetic devices and surgery. They are often utilized in addition to your health insurance plan or if you lack health insurance entirely. They cover both the driver and occupants and will also cover being hit by a car walking across the street. PIP is only offered in select states but can be used in place of medical payments coverage

Collision coverage - Collision insurance covers damage to your Rendezvous resulting from colliding with another vehicle or an object, but not an animal. A deductible applies and then insurance will cover the remainder.

Collision insurance covers claims such as crashing into a ditch, rolling your car and hitting a parking meter. Collision is rather expensive coverage, so you might think about dropping it from vehicles that are 8 years or older. Drivers also have the option to increase the deductible on your Rendezvous in order to get cheaper collision rates.

Liability car insurance - Liability insurance protects you from injuries or damage you cause to people or other property by causing an accident. Coverage consists of three different limits, bodily injury for each person injured, bodily injury for the entire accident and a property damage limit. As an example, you may have liability limits of 25/50/10 that translate to a $25,000 limit per person for injuries, a total of $50,000 of bodily injury coverage per accident, and $10,000 of coverage for damaged property.

Liability can pay for claims such as repair costs for stationary objects, medical expenses and court costs. How much liability coverage do you need? That is a personal decision, but it's cheap coverage so purchase as much as you can afford. New York requires drivers to carry at least 25/50/10 but you should think about purchasing more coverage.

The illustration below shows why low liability limits may not provide adequate coverage.

Coverage for uninsured or underinsured drivers - This protects you and your vehicle from other drivers when they do not carry enough liability coverage. It can pay for medical payments for you and your occupants and damage to your Buick Rendezvous.

Since a lot of drivers carry very low liability coverage limits (which is 25/50/10), their liability coverage can quickly be exhausted. This is the reason having UM/UIM coverage is important protection for you and your family.

Cheaper rates are available

A few companies may not provide internet price quotes and usually these small insurance companies only sell coverage through independent agents. Cheaper Buick Rendezvous insurance in Buffalo is possible on the web as well as from insurance agents, and you should compare rates from both in order to have the best chance of saving money.

As you shop your coverage around, you should never skimp on coverage in order to save money. Too many times, an accident victim reduced comprehensive coverage or liability limits only to regret that the few dollars in savings costed them thousands. The goal is to find the BEST coverage at the best cost.

We just covered a lot of ways to find cheap Buick Rendezvous insurance in Buffalo. It's most important to understand that the more rate quotes you have, the better your comparison will be. Consumers could even find that the biggest savings come from an unexpected company. They can often provide lower premium rates in certain areas compared to the large companies like State Farm or Progressive.

How to find cheaper quotes for Buick Rendezvous insurance in Buffalo

The best way we recommend to find lower priced car insurance rates in Buffalo is to regularly compare quotes from companies in New York.

  1. Gain an understanding of the different coverages in a policy and the changes you can make to keep rates down. Many rating factors that drive up the price such as getting speeding tickets and a substandard credit score can be rectified by making minor changes in your lifestyle.
  2. Compare rates from exclusive agents, independent agents, and direct providers. Direct and exclusive agents can only quote rates from one company like Progressive or State Farm, while agents who are independent can provide prices from multiple companies.
  3. Compare the new rate quotes to your current policy premium and see if there is a cheaper rate in Buffalo. If you can save some money and buy the policy, make sure coverage does not lapse between policies.
  4. Provide adequate notice to your current company of your decision to cancel your current policy and submit payment and a completed application for the new coverage. As soon as you can, keep the new certificate verifying coverage with the vehicle registration.

The critical component of shopping around is to try to compare similar coverage information on every quote request and and to get price quotes from every company you can. This enables an apples-to-apples comparison and a thorough price selection.

Much more information about insurance in New York is available on the following sites: