Are you looking for cheap auto insurance in Buffalo, New York without sacrificing coverage and service? Auto Insurance Center is here to provide you with the best cheap auto insurance rates and quality service all while helping you learn more about your city.

Buffalo is New York’s second most populous city. In addition, Buffalo serves as a gateway to Niagara Falls.

Buffalo began as a small trading community along the Buffalo Creek, which the city was named after in 1789. In 1803-1804, a grid system was created in Buffalo by Joseph Ellicott of the Holland Land Co.

The area had a significant role in the War of 1812 as it became the American military headquarters for the Niagara frontier. Though burned by the British during the war, the city was rebuilt in 1816.

The building of the Erie Canal boosted the city’s population in 1825. The population boom also affected the city’s growing businesses which included: shipyards, iron mills, meat-packing plants, flour mills and railroad parts.

Buffalo was home to two U.S. presidents: Millard Fillmore and Grover Cleveland. Buffalo was also the city where President William McKinley was assassinated.

Buffalo attractions include: Buffalo Zoological Gardens, Eternal Flame Falls, Buffalo and Erie County Botanical Gardens, Albright-Knox art gallery, Frank Lloyd Wright’s Darwin Martin House, Niagara Falls State Park and Old Fort Niagara.

Buffalo has two professional sports teams, the Bills (NFL) and Sabres (NHL). While the Sabres play within city limits, the Bills play in Orchard Park, a suburb of Buffalo.

Buffalo Driving Conditions

Buffalo climate can be classified as a continental-type climate. The annual high temperature is 56.3 degrees and the annual low temperature is 40.2 degrees. In the winters, Buffalo suffers from heavy snowstorms. Rainfall is moderate during the summer months.

Drivers should be aware of snowy and icy road conditions during the winter months.

Crime Statistics

According to the 2015 Crime in the United States report, New York had 317,529 accounts of property crime and 15,313 accounts of vehicle theft. Within cities and metropolitan areas in New York, vehicle theft was reported 14,750 times.

New York Driver’s Licence

As a legal resident of New York, you’ll need to obtain a New York driver’s licence. Those with a valid out-of-state driver’s licence or a Canadian operator’s license are not required to take a knowledge or skills exam. However, you will have to pass a vision test or bring a completed eye test report.

Seat Belt Laws

In New York, all front seat passengers must wear seat belts. The penalty for a seat belt or car seat violation is a fine of up to $50.

New York law requires all children under the age of 4 to ride in child safety seats. In addition, all children are required to ride in child restraint systems until their 8th birthday.

Cell Phone & Texting Laws

New York state law prohibits the use of hand-held mobile telephones or portable electronic devices while driving. This includes sending and reading text messages. Penalties include receiving a traffic ticket and being subject to a fine.

Odd Laws

It is against the law to throw a ball at someone’s head for fun in New York.

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You would be surprised how much insurance rates can vary zip code to zip code even if the zip codes are within the same metropolitan area. This can be for various reasons including higher or lower crime rates in a specific zip code area, accident statistics in that zip code, traffic density in different parts of the city, and even different weather conditions depending on what part of the metro area you are in. This can become even more interesting if you live on the border of a different zip code yet your are paying more for insurance than you would if you lived right across the street. While some people will use this to their advantage and give their insurance company a different address than their actual address to save some money it is not advisable as this may be seen as a form of fraud. 

To find out what your auto insurance rates will be for you zip code either fill out the quick quote form above or call one or more of the local agents below. It is best to call more than one to get them to compete for your business so that you can get the cheapest rates possible. Many people would rather avoid this effort because its more work but its one of the best ways to get cheap auto insurance quotes.