Finding the Best Insurance Agencies in Buffalo, NY

If you live in Buffalo, NY, having the right insurance coverage is crucial to protecting your assets. With so many insurance agencies to choose from, how do you find the best one for your needs? In this comprehensive guide, we’ll highlight the top insurance agencies in Buffalo and provide tips for selecting the right insurer

Overview of Top Insurance Agencies in Buffalo

The Buffalo area is home to many highly-rated independent insurance agencies and brokers representing top insurance carriers. Here are some of the most prominent Buffalo insurance agencies:

• Lawley Insurance – This large, full-service agency provides business, home, auto, life, and health insurance. They work with national companies like Travelers, Chubb, and Progressive.

• Cynthia Woltz Insurance – A trusted local agency offering competitive pricing on home, renters, auto, umbrella, and business insurance Top carriers include Erie, Travelers, Progressive, and more.

• Pelosi Insurance – Family-owned for over 50 years, Pelosi Insurance provides auto, home, business, and life insurance. They represent companies like Progressive, Travelers, Chubb, MetLife, and others.

• H.R. Keller & Co. – Keller focuses on commercial insurance, employee benefits, personal insurance, and surety bonds. Companies include Chubb, Liberty Mutual, The Hartford, and more.

• Willoughby Insurance – This full-service, independent agency offers home, auto, business, life, and specialty insurance options from leading insurers.

• C. John Crane Insurance – A long-standing agency providing business, home, auto, and life insurance. Companies include Erie, Chubb, Travelers, Hartford, Progressive, and more.

How to Select the Best Agency for Your Needs

With so many choices for insurance in Buffalo, it’s important to shop around and evaluate a few key factors when selecting an agency:

• Types of insurance offered – Make sure the agency has the policies you need (home, auto, business, etc.)

• Companies represented – Look for agencies that partner with highly-rated insurers known for strong financial backing and claims satisfaction.

• Client focus – Select an agency that specializes in your type of insurance needs, whether that’s personal lines or commercial coverage.

• Local expertise – Opt for an established Buffalo-area agency familiar with the region’s unique insurance environment.

• Customer service reputation – Read online reviews and talk to family and friends to gauge an agency’s service quality.

• Independent vs. captive – Independent agencies can provide quotes from multiple insurers, while captive agencies sell for a single provider.

• Bundle discounts – Agencies that sell multiple policy types can offer savings for bundling home and auto or commercial policies.

Smart Tips for Purchasing Insurance in Buffalo

Here are some tips to ensure you get the best rate and coverage from Buffalo insurance agencies:

• Compare quotes from at least three reputable agencies. Rates can vary widely.

• Ask about discounts you may qualify for based on age, good driving record, multi-policy, and more.

• Consider raising your deductible amount to reduce monthly premiums.

• Review policy limits and coverage details closely to avoid being underinsured.

• Inquire about additional liability coverage like umbrella insurance for added protection.

• For business policies, work with agents knowledgeable about your industry’s unique risks.

• Discuss bundle discounts for combining homeowners and auto or commercial policies.

• Ask about price breaks for paying premiums annually or via automatic bank withdrawals.

• Get quotes early before renewal since insurers often raise rates yearly.

• Provide detailed information about your property’s features to get the most accurate home insurance quote.

Find the Perfect Buffalo Insurance Agency Match

Taking the time to research, compare quotes, and evaluate customer service will help you find the ideal insurance agency in Buffalo for your situation. Be sure to ask plenty of questions to get the coverage, service quality, and savings you desire. With the right insurance partner, you can protect your assets affordably and rest easy knowing you made a wise choice.