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Best Local Car Insurance Agencies in Amherst, NY

Our Recommended Top 7

We did the research for you!

  • Licensing
  • User Reviews
  • Mystery Shopping Calls

Our goal is to connect people with the best local professionals. We scored Amherst local car insurance agencies on more than 25 variables across five categories, and analyzed the results to give you a hand-picked list of the best.

77Reviewed

49Curated

7Top Picks

Learn about our selection process.

Providers

featured provider = Featured Provider

Best Local Car Insurance Agencies Serving Amherst
2777 Sheridan Drive, Tonawanda, NY 14150
Visit WebsiteLicense: 1245143

Expertise.com Rating

Review Sources

Google
4.9 (113)
Facebook
5.0 (26)
Yelp
5.0 (2)

Why choose this provider?

K.L. Hudson Insurance Agency is an insurance solutions provider that services the Amherst metro and the surrounding areas. The company offers car insurance policies that protect clients from unexpected financial losses caused by collisions and bodily injury liabilities. Beneficial add-ons such as medical expenses coverage, loss protection, physical damage coverage, and protection from uninsured drivers are also available. K.L. Hudson Insurance Agency has been in the insurance industry for over 25 years.

  • Motorcyle & ATV

Best Local Car Insurance Agencies Serving Amherst
3140 Sheridan Drive, Amherst, NY 14226
Visit WebsiteLicense: 1551492

Expertise.com Rating

Review Sources

Google
4.9 (124)
Facebook
5.0 (18)

Why choose this provider?

Michele Proietti is an auto insurance agent for State Farm, serving clients in Amherst and nearby areas. She has over two decades of experience and advises clients on coverages to prioritize, such as accident repairs and uninsured motorist reimbursement. Michele opened her agency in 2017 and caters to all kinds of drivers, including students and seniors. She is a two-time Ambassador Club Qualifier and covers other insurance services such as health and life. Michele also provides notarization for documents.

  • Multiple Carriers

Best Local Car Insurance Agencies Serving Amherst
1940 Eggert Road, Buffalo, NY 14226
Visit WebsiteLicense: 619751

Expertise.com Rating

Review Sources

Google
4.5 (12)
Facebook
5.0 (4)

Why choose this provider?

Houck - Seward Agency is an independent insurance firm that has been servicing individuals, families, and businesses in Amherst since 1998. Its team of insurance professionals specializes in crafting an auto policy that covers the liabilities, property damages, bodily injuries, and medical expenses reimbursement in the event of an accident. It can also customize policies in special situations. Aside from personal insurance, the agency can also provide various commercial insurance policies. For any immediate concerns, the agency is available to assist 24/7 locally.

  • Bundling Option

Best Local Car Insurance Agencies Serving Amherst
1660 Kensington Avenue, Buffalo, NY 14215
Visit WebsiteLicense: 874784

Expertise.com Rating

Review Sources

Facebook
5.0 (6)
Google
5.0 (3)

Why choose this provider?

Established in 1987, P.A.G. Agency Inc. is an independent insurance company curating auto insurance options for Amherst car owners. The service provider shops for auto insurance products to various carriers such as Mercury, Travelers, Progressive, NY Central Mutual, and Foremost. Its agents safeguard drivers with liability insurance. They also protect vehicles through adequate comprehensive and collision coverages and assist clients when filing claims. P.A.G. Agency Inc. is a member of Independent Insurance Agents Brokers of New York.

  • Boats
  • Golf Cart & Scooter

Best Local Car Insurance Agencies Serving Amherst
333 International Drive, Williamsville, NY 14221
Visit WebsiteLicense: 526530

Expertise.com Rating

Review Sources

Google
4.9 (19)
Facebook
5.0 (13)
Yelp
1.0 (1)

Why choose this provider?

Amherst Insurance Agency is a local insurance agency in Amherst that provides various insurance solutions and products to clients in the metro and neighboring communities. The firm specializes in home and auto insurance products including its comprehensive auto insurance policies. The policies protect clients from expenses caused by traffic collisions, liabilities, and medical payments. Amherst Insurance Agency is an independent insurance agent who has been collaborating with the nation's top providers such as AIG, Allianz Global, and Progressive.

  • Bundling Option

Best Local Car Insurance Agencies Serving Amherst
1660 Kensington Avenue, Buffalo, NY 14215
Visit WebsiteLicense: 1196954

Expertise.com Rating

Review Sources

Google
4.6 (9)

Why choose this provider?

TLC Brokerage is a car insurance agency serving clients in Amherst, New York. It provides basic coverage for damage to its clients' vehicles caused by collision, theft, and vandalism, as well as property damage and bodily injury caused to others. It also helps its clients increase their collision and comprehensive insurance deductibles. The agency's current insurance plans include antique auto, motorcycle, boats, and watercraft insurance. TLC Brokerage also offers additional insurance options including liability, home insurance, and property damage insurance.

  • Multiple Carriers

Best Local Car Insurance Agencies Serving Amherst
2277 Niagara Falls Boulevard, Amherst, NY 14228
Visit WebsiteLicense: 1545605

Expertise.com Rating

Review Sources

Google
5.0 (168)

Why choose this provider?

NAC Insurance Agency is an independent insurance firm based in Amherst. Representing several reputable and financially strong carriers, such as Travelers, Mercury, and Progressive, it offers a wide range of insurance products, including car insurance. Its experienced and professional agents help drivers of different backgrounds choose and obtain protection plans tailored to their individual needs, requirements, and preferences. In addition to standard auto, NAC Insurance Agency also insures other recreational vehicles, including motorcycles, RVs, ATVs, and boats.

  • Multiple Carriers
  • Motorcyle & ATV

Compare our Top Local Car Insurance Agencies

NameExpertise RatingAddressPromotionsLearn more
K.L. Hudson Insurance Agency
2777 Sheridan Drive, Tonawanda, NY 14150
Michele Proietti
3140 Sheridan Drive, Amherst, NY 14226
Houck - Seward Agency
1940 Eggert Road, Buffalo, NY 14226
P.A.G. Agency Inc.
1660 Kensington Avenue, Buffalo, NY 14215
Amherst Insurance Agency
333 International Drive, Williamsville, NY 14221
TLC Brokerage
1660 Kensington Avenue, Buffalo, NY 14215
NAC Insurance Agency
2277 Niagara Falls Boulevard, Amherst, NY 14228

Amherst, NY Car Insurance Agency FAQs

  • In Amherst, is car insurance the same as an auto warranty?

    Car insurance and an auto warranty are not the same thing. Car insurance does not cover vehicle problems caused by equipment or mechanical breakdowns. However, it will protect you from unexpected expenses if you, your passenger, or family members are involved in an accident. Car insurance includes coverage for comprehensive, collision, liability, and personal injury protection.

  • Are there ways to reduce car insurance costs in Amherst?

    Yes, drivers and vehicle owners can lower their auto insurance premiums by taking defensive driving or driver safety courses. They can develop their driving skills and demonstrate to insurance companies that they pose no risk behind the wheel. They can also reduce their insurance premiums by avoiding traffic violations and tickets.

  • If you have been involved in an accident in Amherst, who will pay for your medical expenses?

    Because Amherst adheres to New York's no-fault system, your insurance company will pay for your medical expenses if you are involved in an accident. This means that insurance companies will be liable for policyholders' injuries and property damage regardless of who is to blame. The disadvantage of this system is that victims do not file claims against negligent parties.

  • Is collision insurance required in Amherst?

    It all depends on the circumstances. Drivers in Amherst are frequently required to have collision insurance if they obtain their vehicle through a loan or lease agreement. Otherwise, this coverage is optional. However, drivers are advised to have this in order to avoid out-of-pocket expenses if they collide with a tree, cement barrier, or another vehicle.

  • Is it more expensive to insure electric cars in Amherst than regular cars?

    Yes, electric vehicles are more expensive to insure in Amherst than traditional vehicles because they are more expensive to repair. For instance, if the battery is damaged, you will need $5,000 to $15,000 to replace it. Accident payouts are higher for electric vehicles because fewer technicians are trained to repair them.