Talk with the professionals at K.S. Roth Insurance Agency to better understand the basic components of an automobile insurance policy.  We will help you determine the best coverage for your unique situation.

Factors Affecting Auto Insurance Costs:

  • Type and age of vehicle
  • Age of the driver
  • Driving record
  • Past insurance claims
  • Location and distance of daily commute
  • Use of the vehicle (business or leisure)
  • Customization and non-factory-installed equipment
  • Amount of coverage
  • Amount of deductible


Additional Coverage

These features may not be automatically included in your policy and may be beneficial:

  • Towing expenses
  • Rental car reimbursement
  • Transportation expenses for out of town travel
  • Trip interruption coverage for out of town travel



Reduce the Cost of Auto Insurance With:

  • Multiple vehicles insured on the same policy
  • Higher deductibles
  • Anti-lock brakes
  • Airbags
  • Anti-theft system
  • Safe-driver discounts
  • Claims-free discounts
  • A good student discount for high school/college students
  • A senior discount for taking “55
  • Alive” safe driving school
  • A combined homeowners and auto insurance policy 

5880 S Transit Road,
Lockport, NY 14094

Monday - Friday 8:30am - 4:30pm*

*Summer Hours (Memorial Day - Labor Day) Close at 3pm on Fridays