It takes a little time, but the best way to get affordable car insurance rates is to compare prices once a year from different companies who provide car insurance in Buffalo.
- Try to learn about how companies price auto insurance and the steps you can take to prevent high rates. Many risk factors that are responsible for high rates like traffic tickets, fender benders, and a low credit score can be remedied by making minor changes to your lifestyle.
- Request price quotes from direct, independent, and exclusive agents. Exclusive and direct companies can provide rates from one company like Progressive or Farmers Insurance, while independent agencies can quote rates from multiple insurance companies.
- Compare the price quotes to the premium of your current policy to see if cheaper Juke coverage is available. If you find better rates and switch companies, make sure coverage is continuous and does not lapse.
A good tip to remember is to use the same deductibles and limits on each price quote and and to get rate quotes from as many car insurance companies as possible. This guarantees the most accurate price comparison and the best price quote selection.
Unthinkable but true, the vast majority of drivers have been with the same company for at least the last four years, and practically 40% of car insurance customers have never compared rate quotes at all. With the average premium in New York being $1,940, drivers could save an average of about $800 each year just by comparing rates, but they just don’t understand how easy it is to find affordable car insurance rates.
If you’re already insured, you stand a good chance to be able to reduce premiums using these tips. Comparing quotes for the lowest cost protection in Buffalo is not as time-consuming as you think. But New York consumers do need to understand the methods companies use to price online insurance and take advantage of how the system works.
Buy Buffalo Nissan Juke insurance online
The are a couple different ways of comparing price quotes from insurance companies in your area. The easiest way by far to compare rates consists of obtaining rate quotes online. Just keep in mind that quoting more helps increase your odds of locating a better price.
The companies in the list below provide free quotes in New York. If you want cheap car insurance in Buffalo, we suggest you visit two to three different companies to get the best price comparison.
Discounts can help save money on Nissan Juke insurance in Buffalo
Buying car insurance is not cheap, but you may find discounts to help bring down the price. Certain credits will be shown when you quote, but a few need to be asked about before they will apply.
- Bundled Policy Discount – If you can combine your home and auto policy and insure them both with the same insurance company they may give you a discount of nearly 15% which can help you find the cheapest Nissan Juke insurance in Buffalo.
- Service Members Pay Less – Having a family member in the military could be rewarded with lower prices.
- Paperless Signup – Certain insurance companies may give you up to $50 for buying your policy on their website.
- Discount for Life Insurance – Select insurance carriers reward you with a discount if you purchase life insurance.
- Distant Student Discount – Any of your kids who live away from home at college and do not have access to a covered vehicle may be insured at a cheaper rate.
- Early Signing – Some larger companies give discounts for signing up prior to your current Juke insurance policy expiring. This discount can save up to 10%.
One last thing about discounts, most credits do not apply to all coverage premiums. Most only apply to specific coverage prices like physical damage coverage or medical payments. Just because it seems like all those discounts means the company will pay you, you won’t be that lucky.
Companies who may offer these money-saving discounts are:
If you are trying to find affordable Nissan Juke insurance quotes, ask each company or agent how many discounts you can get. A few discounts might not apply in your area. To view insurance companies who offer free Nissan Juke insurance quotes in New York, follow this link.
Should I contact an insurance agent?
A lot of people just prefer to buy from a licensed agent and that can be a smart move One of the benefits of comparing rates online is the fact that drivers can get cheap rate quotes but still work with a licensed agent. Putting coverage with local insurance agencies is especially important in Buffalo.
Upon completion of this quick form, the coverage information is transmitted to local insurance agents in Buffalo who will give you bids to get your business. You don’t have to drive around since price quotes are sent immediately to you. You can get cheaper auto insurance rates without the usual hassles of price shopping. In the event you want to compare prices from a specific insurance company, don’t hesitate to find their quoting web page to submit a rate quote request.
If you want a reputable agency, it’s important to understand the different types of agents that you can choose from. Auto insurance agencies can be categorized as either exclusive or independent (non-exclusive).
Independent Auto Insurance Agencies
Agents of this type are not locked into one company so they can write business with an assortment of companies and find the cheapest rate. To move your coverage to a new company, the business is moved internally and that require little work on your part.
When comparing rates, you absolutely need to get some free quotes from several independent insurance agents in order to have the best price comparison. Most also have access to companies that do not advertise much who may have lower rates.
Featured below is a list of independent insurance agents in Buffalo who can help you get free auto insurance rate quotes.
- Niagara Montauk Insurance
1547 Hertel Ave – Buffalo, NY 14216 – (716) 800-4282 – View Map
- Buffalo Queen City Insurance Agency
26 French Lea Rd – Buffalo, NY 14224 – (716) 608-6047 – View Map
- The Byrne Insurance Agency Inc
480 Abbott Rd – Buffalo, NY 14220 – (716) 825-4100 – View Map
Exclusive insurance agents work for only one company such as State Farm, Allstate, and Farm Bureau. Exclusive agents are unable to provide other company’s prices so they have no alternatives for high prices. Exclusive insurance agents receive extensive training in insurance sales which aids in selling service over price. Drivers often buy from the same agent for years mostly because of the brand name rather than low rates.
Below are exclusive insurance agents in Buffalo who can help you get comparison quotes.
- George Ihle III – State Farm Insurance Agent
7718 Buffalo Ave – Niagara Falls, NY 14304 – (716) 283-9100 – View Map
- Marc Scherrer – State Farm Insurance Agent
2165 Sheridan Dr – Buffalo, NY 14223 – (716) 875-0524 – View Map
- Progressive Insurance – Buffalo Service Center
6699 Transit Road – Buffalo, NY 14221 – (716) 810-1500 – View Map
Deciding on a insurance agent requires you to look at more than just a low price. You should also get answers to these questions.
- Can they give you a list of client referrals?
- Do they see any coverage gaps in your plan?
- Can you choose the body shop in case repairs are needed?
- How much training do they have in personal risk management?
- Can glass claims be handled at your home?
- Do they offer rental car reimbursement?
Informed Consumers Can Cut Insurance Costs
The best way to find cheaper car insurance is to take a look at the different types of things that are used to determine your policy premiums. If you know what influences your rates, this allows you to make educated decisions that may result in better car insurance rates.
Shown below are some of the major factors car insurance companies consider when setting prices.
Type of car determines base rates – The type of car you drive makes a substantial difference in the rate you pay. The most favorable rates are usually for economy passenger cars, but your final cost has many other factors.
When should you file car insurance claims? – If you tend to file frequent claims, you can definitely plan on either higher rates or even cancellation. Auto insurance companies in New York generally give discounts to insureds who are claim-free. Auto insurance is intended to be relied upon for larger claims.
Car plus home equals more savings – Some companies will give discounts to people who consolidate policies with them, otherwise known as a multi-policy discount. Discounts can add up to ten or even up to twenty percent in some cases. Even with this discount applied, it’s always a smart idea to compare other Buffalo Juke insurance rates to verify if the discount is saving money. Drivers may still find better rates even if you insure with multiple companies
Policy lapses raise premiums – Driving any period of time without insurance is a big no-no and car insurance companies will penalize you for letting your insurance coverage expire. Not only will you pay higher rates, getting caught without coverage may earn you a hefty fine and possibly a revoked license. Then you may be required to submit proof of financial responsibility or a SR-22 with the New York motor vehicle department.
Better premiums on safer vehicles – Vehicles that have high safety ratings can get you lower premiums. These vehicles reduce injuries and better occupant protection translates into fewer and smaller insurance claims and cheaper rates on your policy.
Prevent theft and save – Purchasing a vehicle with a theft deterrent system can save you some money. Advanced theft deterrents such as OnStar found on GM vehicles, advanced tracking like LoJack, and vehicle immobilization systems can help prevent car theft.
Bad driving means higher premiums – Being a careful driver has a big impact on rates. Even one speeding ticket may increase your cost twenty percent or more. Drivers who don’t get tickets tend to pay less for car insurance as compared to those with violations. Drivers with multiple citations such as reckless driving or DUI may need to submit a SR-22 or proof of financial responsibility with their state’s licensing department in order to continue driving.
Extra coverages are wasting money – Insurance companies have many extra bells and whistles that may not really be needed when buying car insurance. Add-on coverages like rental car coverage, better glass coverage, and additional equipment coverage are some examples. They may sound like good ideas when you first buy your policy, but if you don’t need them think about removing them and cutting costs.
Insurance loss data for Nissan Juke vehicles – Companies use historical loss data to help determine prices. Vehicles that statistically have higher frequency or amount of claims will cost more for specific coverages. The next table shows the collected loss data for Nissan Juke vehicles.
For each policy coverage type, the statistical loss for all vehicles compiled together equals 100. Values that are below 100 suggest a better than average loss history, while numbers that are greater than 100 point to more claims or statistically larger losses.
|Make and Model||Collision||Property Damage||Comp||Personal Injury||Medical Payment||Bodily Injury|
|Nissan Juke 2WD||101||104||77||111||134||113|
|Nissan Juke 4WD||107||112||75||120||115||105|
Data Source: Insurance Institute for Highway Safety for 2013-2015 Model Years
Three main reasons to buy car insurance
Even though it can be expensive, insuring your vehicle is most likely required but also gives you several important benefits.
- The majority of states have compulsory liability insurance requirements which means state laws require a minimum amount of liability in order to drive the car. 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 bought your Juke with a loan, it’s guaranteed your bank will require that you have full coverage to ensure loan repayment if the vehicle is totaled. If you do not keep the policy in force, the bank may insure your Nissan at a much higher rate and force you to reimburse them a much higher amount than you were paying before.
- Insurance safeguards both your Nissan and your personal assets. It will also provide coverage for many types of medical costs for you, your passengers, and anyone else injured in an accident. Liability insurance will also pay for a defense attorney if you are sued as the result of an accident. If you have damage to your Nissan as the result of the weather or an accident, comprehensive and collision coverage will pay all costs to repair after the deductible has been paid.
The benefits of carrying adequate insurance greatly outweigh the cost, particularly when you have a large claim. Despite what companies tell you, the average driver overpays as much as $810 a year so compare rates each time the policy renews to ensure rates are competitive.
Quote more to save more
Budget-conscious Nissan Juke insurance can be sourced on the web and also from your neighborhood Buffalo agents, and you should be comparing both to have the best rate selection. A few companies don’t offer online price quotes and these regional insurance providers prefer to sell through local independent agencies.
Consumers leave their current company for any number of reasons including delays in responding to claim requests, high rates after DUI convictions, being labeled a high risk driver or poor customer service. It doesn’t matter why you want to switch finding the right auto insurance provider is not as hard as you think.
We just showed you some good ideas how you can shop for Nissan Juke insurance online. The key concept to understand is the more rate quotes you have, the better likelihood of getting inexpensive Buffalo auto insurance quotes. You may even be surprised to find that the lowest car insurance rates are with a company that doesn’t do a lot of advertising.
More detailed auto insurance information can be read in the articles below:
- Understanding Car Crashes Video (iihs.org)
- What Auto Insurance is Cheapest for High School Students in Buffalo? (FAQ)
- Who Has Affordable Buffalo Car Insurance Rates for a Subaru Outback? (FAQ)
- How Much is Buffalo Car Insurance for a GMC Sierra? (FAQ)
- How Much are Auto Insurance Quotes for a Learners Permit in Buffalo? (FAQ)
- Vehicle Insurance in the U.S. (Wikipedia)
- A Tree Fell on Your Car: Now What? (Allstate)
- How Much Auto Coverage do I Need? (Insurance Information Institute)
- Safety Belts FAQ (iihs.org)