How to Find the Right Car Insurance Agent in Niagara Falls

Selecting a car insurance company in Niagara Falls, NY can be time consuming since you have many choices and finding the best New York insurance agent takes more work than just driving to the closest agent’s office. Consumers need a great agent that can assess your needs, and also want to find the cheapest rates you can possibly find.

You have so many insurance agencies to choose from, and even though it’s nice to have multiple companies, lots of choices makes it harder to find the lowest rates.

Best way to find Niagara Falls agents

Good agents can answer important questions and help submit paperwork. One of the best bonuses of getting online price quotes is that you can obtain better rates and still choose a local agent.

Upon completion of this quick form, your coverage information is instantly submitted to insurance agents in Niagara Falls who will compete for your insurance coverage. There is no reason to leave your house because quoted prices will be sent straight to your inbox. How cool is that?!

Deciding on an insurance agent shouldn’t rely on just the premium amount. Here are some questions to ask:

  • Which company do they place the most coverage with?
  • Does the agency provide any after hours assistance?
  • Which members of your family are coverage by the policy?
  • Are they properly licensed to sell insurance in New York?
  • Is their price quote a firm figure or are their hidden costs?
  • What will you get paid if your car is a total loss? How is that amount determined?
  • How long has their agency been in business in Niagara Falls?

Two different types of insurance agencies

When searching for a good Niagara Falls insurance agent, there are a couple of different types of agents that differ in how they can insure your vehicles. Agents can either be captive or independent (non-captive). While both can insure your vehicles, but it’s worth learning the differences since it may influence your selection of an agent.

Agency Captives

This type of agents can only write with one company and examples are Farmers Insurance or State Farm. These agents are not able to provide prices from multiple companies so they have no alternatives for high prices. Captive agencies are usually quite knowledgeable in insurance sales and that can be a competitive advantage.

Below is a short list of captive insurance agents in Niagara Falls who can help you get price quote information.

State Farm Insurance – 2735 Military Rd – Niagara Falls, NY 14304 – (716) 297-5566
Allstate Insurance Co – 2024 Pine Ave – Niagara Falls, NY 14301 – (716) 284-8494

Independent Agencies or Brokers

Independent agents are not locked into one company but rather can write business with many different companies enabling the ability to shop coverage around. If you are not satisfied with one company, your agent can switch companies and you won’t have to switch agencies. When comparison shopping, it’s recommended you contact at a minimum one independent agency for maximum quote selection.

The following is a list of independent insurance agencies in Niagara Falls willing to provide comparison quotes.

Accardo Agency Inc – 2914 Pine Ave – Niagara Falls, NY 14301 – (716) 284-7868
Bruce Lucsok Agency Inc – 6928 Williams Rd – Niagara Falls, NY 14304 – (716) 298-1882
Able Insurance – 2026 Pine Ave – Niagara Falls, NY 14301 – (716) 282-1607
Eugeni Insurance – 3003 Pine Ave – Niagara Falls, NY 14301 – (716) 285-3491
Rose C Pino Agency – 1221 19th St – Niagara Falls, NY 14301 – (716) 285-9661

For a complete listing of insurance agents in Niagara Falls, visit this site.

Upon receiving acceptable answers to any questions you have and an acceptable price quote, most likely you have located an insurance agent that will properly service your car insurance policy.

Also consider buying auto insurance direct

Car insurance agents are indespensible for some people, but New York drivers can also buy from online companies direct. Certain companies who sell through the agent channel also let you buy direct online, and that is helpful if you’re trying to lower your rates.

If you’re concerned about having to choose coverages yourself when shopping online, don’t let it bother you. Online insurance companies that allow you to purchase coverage provide access to licensed agents that you can contact for information. Most companies also provide live chat and online tools that you can use before buying.

Does buying online save money? It’s difficult to say for sure because of the number of factors that impact your final bill. It’s often assumed that a shopper who purchases direct saves money by not requiring a commission. But in most cases, there are high advertising and marketing costs and those expenses can offset most of the savings by selling direct.

More detailed New York car insurance information is available at the New York Department of Financial Services website. New York drivers can find out which companies have the most complaints, discover disciplinary actions, file complaints about an insurance agent or broker, and file complaints about a company.

Additional helpful sites include’s auto insurance page and this page of insurance agents in Niagara Falls.

Compare but don’t skimp

As you prepare to switch companies, make sure you don’t skimp on critical coverages to save a buck or two. In too many instances, someone sacrificed liability limits or collision coverage only to regret that saving that couple of dollars actually costed them tens of thousands. The aim is to buy enough coverage at an affordable rate while not skimping on critical coverages.

Discount car insurance is available on the web and also from your neighborhood Niagara Falls agents, and you need to comparison shop both to have the best rate selection. A few companies may not provide the ability to get a quote online and many times these smaller companies only sell through independent insurance agents.