Black and white car icon facing forward.

Auto Insurance

Drive Confidently, Wherever Life Takes You
A woman in a red dress is standing on a beach looking at the ocean.

Whether you're commuting across Long Island, running errands in Horseheads, or navigating the snow in Buffalo, the right auto insurance makes all the difference. At W.J. Farmer Insurance, we offer personalized protection through top-rated carriers—like Erie Insurance—so you get coverage that actually fits your life. We don’t believe in one-size-fits-all policies. Instead, we listen, explain your options clearly, and help you choose what makes sense for your vehicle, your driving habits, and your budget. From daily drivers to new teen drivers, we’re here to help New Yorkers hit the road with confidence.

Auto Insurance Built Around Real Life

The Right Coverage for Every Type of Driver

Standard policies typically include:

  • Liability coverage to meet or exceed New York state minimums
  • Collision and comprehensive coverage for vehicle damage
  • Uninsured and underinsured motorist protection
  • Personal injury protection (PIP) for medical bills and lost wages
  • Roadside assistance and emergency towing
  • Rental car reimbursement after an accident
  • Bundle discounts when you combine home and auto insurance


What You Can Expect from W.J. Farmer

Auto Insurance That Works for You

We make getting coverage easy, understandable, and personal. No pressure—just honest advice from people who care about protecting your journey.


You’ll get:

  • Quotes from multiple carriers in one stop
  • Discount opportunities tailored to your needs
  • Local agents who answer when you call
  • Fast turnaround on auto ID cards and documents
  • Guidance for claims, questions, and renewals


As a family-run agency, we take time to get to know you—and we’ll be here when you need to file a claim, add coverage, or ask a question.

Go Beyond the Basics

Optional Coverage That Offers More Peace of Mind

Depending on your situation, extra coverage can help you avoid costly surprises. We’ll walk you through the options that make the most sense for your vehicle and lifestyle.

  • Gap coverage for leased or financed vehicles

  • New car replacement coverage

  • Ride-share and delivery driver endorsements

  • Increased liability limits

  • Custom equipment or stereo system coverage

Let’s Get You Covered and Back on the Road