AUTO INSURANCE
Auto Insurance

Auto Insurance 
for Lancaster, Hamburg & Orchard Park, NY

You rely on your car to get you to and from work, to the grocery store, to school to drop off the kids, and to many other places. It’s important you protect your car with top-notch auto insurance coverage from one of the most renowned agencies in the industry. When you are in search of auto insurance coverage for the lowest premium, make sure you call Selk Family & Business Insurance.  

The auto insurance policies we offer cover everything from auto accidents and medical payments to personal injury protection, emergency roadside service and more. Without auto insurance, you could end up paying for expensive collision repairs, medical expenses, etc. out-of-pocket. Make sure you’re prepared for unforeseen accidents, theft, liability, and more. 
Auto Insurance Hamburg, NY

5 Reasons You Need Auto Insurance

  1. Save Money Later. Your vehicle is most likely the second largest purchase you’ll make only behind a house. When accidents occur repair can be expensive, and that’s just for the car. Add in bodily injuries and auto accidents can run into thousands of dollars. Auto insurance will help protect your finances and liability if an accident does occur. 

  2. Help When Accidents Happen. If are in the unfortunate circumstance of being in an accident, the right auto insurance will help you every step of the way, from the claims process to finding a repair shop.

  3. Protection From Other Drivers. While you may be the best driver on the road, there are some things out of your control. Auto insurance can protect you from accidents caused by other drivers. 

  4. Lease Requirements. If you are financing or leasing a vehicle, auto insurance may be required in order to protect the lender or leasing agent’s investment. 

  5. It’s The Law. Auto insurance is required in New York state, with a minimum of at least liability coverage. 

Factors That Impact Auto Insurance Rates

There are many factors that insurance companies will look at before giving you your auto insurance rate. Here are a few of the main factors that impact your rates:
  • Where You Live. Depending on where you live could increase your auto insurance rates. Living in a densely populated area means that there is a greater chance of getting in an auto accident, which means higher rates.
  • Gender and Age. Younger men tend to have a higher auto insurance rate than younger women while older men tend to have a lower rate than older women.
  • Marital Status. Getting married can reduce your auto insurance rates.
  • Vehicle Size. Having a larger car with a good safety rating can lower your rates. 
  • Driving History. Your driving history can have a major role in your auto insurance rates. If you have history of being a safe driver, you will likely see lower rates. On the flip side, having multiple accidents or tickets can increase your rates.  

Contact Us for Auto Insurance

Get in touch with one of our agents today. Our office is located in Lancaster, NY, but we serve individuals from all over Orchard Park, Lancaster, Hamburg, and the nearby areas. We offer competitive rates, so make sure we’re the first insurance agency you call. 

We also offer competitive rates on home insurance and business insurance. By comparing rates of of some of the top insurance providers we can give you the best rates possible. We can even tailor the coverage specific to you or your business's needs. Learn more about all of our insurance coverage services by giving us a call today.

Common Auto Insurance Terms

Collision Coverage - Optional coverage for when your car is damaged as a result of colliding with another object. It also can come into play if you hit a pothole that severely damages your car. This insurance applies only to your car and does not cover whatever the car collided with (this is what your property damage liability is for). 

Deductible - The amount a policyholder agrees to pay before the insurance company covers a loss. In addition to the standard deductible, there can be different deductibles for different types of losses such as all-peril, collision and comprehensive.

No-Fault Insurance - Auto insurance laws in some states require companies to cover losses, regardless of who caused the accident. Personal Injury Protection is the basic coverage that pays for your own medical, hospital and funeral expenses, as well as those of your passengers and any pedestrians. 

Title - A legal document or certificate showing ownership of your vehicle.

For more auto insurance terms visit the Insurace.com website.
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