Expertise.com

2024

Last updated:

Best Local Car Insurance Agencies in Amherst

Our Recommended Top 9

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.

79Reviewed

51Curated

9Top Picks

Learn about our selection process.

Providers

featured provider = Featured Provider

2277 Niagara Falls Boulevard, Amherst, NY 14228
WebsiteLicense: 1545605

Expertise.com Rating

Review Sources

Google
5.0 (82)

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

1940 Eggert Road, Buffalo, NY 14226
WebsiteLicense: 619751

Expertise.com Rating

Review Sources

Google
4.3 (9)

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

1660 Kensington Avenue, Buffalo, NY 14215
WebsiteLicense: 874784

Expertise.com Rating

Review Sources

Google
5.0 (3)
Facebook
5.0 (1)

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

1101 Niagara Falls Boulevard, Amherst, NY 14226
WebsiteLicense: 816557

Expertise.com Rating

Why choose this provider?

Debra Rich Hamsher Insurance Agency has been offering a variety of insurance solutions in Amherst since 1953. Among its products is auto insurance, which covers potential financial losses in case of accidents and other perils. The firm's agents work with clients, listen to their needs, find the policies or coverages that are ideal for them, and help them understand their insurance plans. Debra Rich Hamsher Insurance Agency seeks to provide customers with safety and security so they can live confidently.

  • RV & Motorhome
  • Boats
  • Motorcyle & ATV

333 International Drive, Williamsville, NY 14221
WebsiteLicense: 526530

Expertise.com Rating

Review Sources

Google
4.8 (6)

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

2777 Sheridan Drive, Tonawanda, NY 14150
WebsiteLicense: 1245143

Expertise.com Rating

Review Sources

Google
4.8 (52)
Facebook
5.0 (17)

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

1660 Kensington Avenue, Buffalo, NY 14215
WebsiteLicense: 1196954

Expertise.com Rating

Review Sources

Google
4.5 (8)

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

4550 Bailey Avenue, Amherst, NY 14226
WebsiteLicense: 832140

Expertise.com Rating

Review Sources

Google
3.9 (18)
Yelp
5.0 (1)

Why choose this provider?

Axxcess Insurance is a family-owned and operated agency in Amherst that has been offering auto insurance services to residential and commercial clients since 1977. As an independent agency, it works with various insurance carriers to provide insurance coverages that are suited to the clients' needs and budgets. Its team of agents also deals with other kinds of personal and commercial insurance plans. The company aims to establish its clients' loyalty through excellent customer service.

  • Multiple Carriers

3140 Sheridan Drive, Amherst, NY 14226
WebsiteLicense: 1551492

Expertise.com Rating

Review Sources

Google
4.8 (59)
Facebook
5.0 (10)

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

FAQs

  • Introduction

    A way to stay protected while on the road, car insurance offers a financial safety net should accidents occur, regardless of who's at fault. The right car insurance agency can be very valuable, providing a way to purchase an ideal level of auto insurance coverage for personal circumstances. Agencies can help customers select the most beneficial coverage options while saving money on their insurance plan. With help from a qualified agency, it's possible to feel safe and secure behind the wheel.

  • 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.

  • What is car insurance?

    Car insurance is a form of insurance that can cover damages to cars, drivers, passengers, and other property when an accident occurs. If another car crashes into a driver, or if a driver causes an accident, car insurance will pay most or all of the cost of repairs.