Automobile Insurance

We want you to be a properly insured and satisfied customer.  To accomplish this, we employ the best agencies and we have selected the best car insurance companies with excellent financial standings.  This combination provides you with the most ideal coverage to protect your assets while providing you with the lowest price available among our companies. You can be confident that both Wlos Insurance Agency and your carrier will be there if you experience a loss. 

Below you can read general information about New York State car insurance and find out how to improve your rates and save money by learning about how your rates are determined.

About Auto Insurance

Agents vs. Companies

Insurance agents are a service organization who assist you in determining your coverage needs, shop around for the most competitive price among multiple insurance companies, complete necessary paperwork, provide on-going service and assist with claims.  Insurance companies (also referred to as insurers or carriers) represent an institution to underwrite and issue insurance policies. 

How is Your Insurance Rate Determined?

Two factors determine what you pay for auto insurance; underwriting and rating.  Underwriting is a process where an insurance company gathers information and decides whether or not to insure you and rating is a process that determines how much you will pay for insurance.  Rating elements include your claims, vehicles and drivers insured, coverage and location under the auto policy.  Drivers with clean driving records and low claims history typically have the most competitive auto insurance rates.

Just as important is to consider other factors besides the price. Quality of service the company gives, its claims process, policy provisions, and coverage limits are all important considerations.

Risk Rating / Credit Scoring

Your driving record, area in which you live, gender and age, marital status, prior insurance coverage, vehicle use and make and model of your vehicle are common factors that can affect the price you will pay for your auto insurance.  A company may also run your credit history to decide whether to issue a policy or they may use the credit history to determine the premium they will charge. However, if an insurer makes an unfavorable underwriting decision based on your credit history, they must tell you how you can request a copy of your credit report. 

In New York, an insurer may not deny, cancel, refuse to renew or base your renewal rates based solely on your credit information.  In other words, if the insurer would not normally deny, cancel, refuse to renew, or raise the rates on your policy without the credit information, then the insurer may not use the credit information against you.

For your own benefit, it is recommended that you run your own personal credit report with the three major credit reporting agencies every year.  To request free copies of your credit report visit  Additionally, you can also request a free copy of both your C.L.U.E.®  Auto Report and your C.L.U.E.® Personalized Public Records Report annually as well.

Mandatory Insurance

Every state implements either a tort system or a no-fault system. New York adopted the no-fault system.  There are three basic coverages sold under the system are No Fault-Personal Injury Protection, Liability-Bodily Injury & Property damage insurance and uninsured motorists coverage.  In New York, these insurance coverages are mandatory and are a prerequisite to registering your vehicle.

Check Into Optional Coverage

The most commonly recognized coverages, in addition to the basic liability package, are collision and comprehensive coverages. Collision coverage pays for physical damage to your car as a result of your auto colliding with an object such as a tree or another car. This is relatively expensive coverage and is not required by law. Comprehensive coverage pays for damage to your auto from almost all other causes, including fire, severe weather, vandalism, floods and theft. This coverage will also cover broken glass and windshield damage. Comprehensive coverage is less expensive than collision, but is also optional. Other optional coverages include medical payments coverage, rental reimbursement coverage, auto loan and lease coverage, customized parts coverage and towing and labor coverage.

Ask Us About Discounts

Our companies offer a wide variety of discounts; some discounts for which you may be eligible, such as: multiple vehicles (even when one vehicle is a company car, insured somewhere else), driver education courses, good student, safety devices, anti-theft devices, low mileage, good driver/renewal, auto/home package, 50+ discount, EFT payments, payment in full, and previous insurance just to name a few.

For Your Protection

It is illegal for unlicensed insurers to sell insurance, and if you buy from an unlicensed insurer, you have no guarantee that the coverage you pay for will ever be honored. 

Read Your Policy Carefully

You should be aware that an auto insurance policy is a legal contract. It is written so your rights and responsibilities, as well as those of the insurance company, are clearly stated. When you purchase auto insurance, you will receive a policy. You should read that policy and make certain you understand its contents. If you have questions about your insurance policy,  please contact us for clarification.

If you have any particular questions about car insurance we would be glad to assist you. 

Contact us now for a free quote.

Insurance Companies

Western New York Insurance, Buffalo Insurance, Cheektowaga Insurance & More!