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Buffalo, New York Auto Insurance

The biggest mistake that drivers make when it comes to car insurance is not having it when you need it. State law requires minimum vehicle insurance coverage before you get behind the wheel. Anything less is criminal and you may end up losing your driving privileges. Keeping the minimum liability coverage is what most people do unless they drive newer, more expensive automobiles. More insurance such as collision and comprehensive will be necessary to protect your investment in the event of an accident.

Residents of Buffalo travel an average of 21 minutes to get to work and back on a daily basis. Vehicle insurers place a premium on the amount of time you spend on the roadways. The less time you spend driving, the more they like it. Not driving, obviously cuts down on the risk of getting into an accident. However, it's not just how far you drive or how often, it is also the way that you drive. Your driving record and whether or not you have taken safe driving courses play a big part in how much you will pay for car insurance.

National statistics show that most accidents, including fatal accidents happen close to home on city or neighborhood streets, at speeds less than 50 miles per hour. In Buffalo, autos involved in accidents were traveling an average of 30 miles per hour at the time of impact. Insurers will lower your premium if your truck or car is equipped with safety and security equipment such as seat belts, airbags as well theft deterrent devices. Even a bar lock on the steering wheel, can get you a discount on your premium.

Guarding against theft is equally important, so parking in a garage or behind a fence carries more weight with an insurance company than parking on the street. Another way to cut down on the premium is to pay a higher deductible and to be aware of the kind of car that you drive. Check out your state's list of most stolen automobiles. You will find that just because you drive a small inexpensive and older car, that your premium may still be high, because that small car is favored by car thieves.