Buffalo drivers are tough—navigating lake-effect snow, tight city streets, and winter roads. But even experienced drivers make common insurance mistakes that could cost them.
1. Underinsuring Liability
New York’s minimums aren’t enough if you’re in a major accident. We recommend increased limits to protect your assets.
2. Skipping Comprehensive Coverage
In Buffalo, falling tree branches, icy roads, and deer collisions are more common than you think.
3. Not Updating Coverage After a Move
Did you relocate to Elmwood Village or North Buffalo? Your ZIP code affects rates—let us recheck your policy.
4. Forgetting About Discounts
Bundling your home and auto insurance or taking a defensive driving course can save you hundreds.
5. Letting Coverage Lapse
Even a short lapse in coverage can lead to higher rates for years. We offer reminders, easy pay options, and digital tools to help.
At Willoughby Insurance, we’ve got deep roots in Buffalo—and we know how to protect local drivers better than the big guys. Let us shop around and find the right fit for you.
📍 Serving all of Buffalo
📞 Get a free quote today. 716-885-8100
https://www.willoughbyinsurance.com/
