6 Tips to Save on Car Insurance in Fitchburg

Cutting costs on Fitchburg car insurance is a challenge for consumers new to buying insurance online. You have so many choices that it can be a challenge to find lower rates in Fitchburg.

It's important to do rate comparisons once or twice a year since rates are constantly changing. Despite the fact that you may have had the best deal a couple years back a different company probably has better rates today. So forget all the misinformation about car insurance because we're going to show you the proper way to remove unneeded coverages and save money.

How much can you save with these six discounts?

Companies don't always advertise every available discount in an easy-to-find place, so here is a list some of the more common and also the lesser-known car insurance savings.

  • Passive Restraints - Vehicles with factory air bags can get savings up to 30%.
  • Payment Method - If you pay your bill all at once instead of monthly or quarterly installments you can actually save on your bill.
  • 55 and Retired - If you qualify as a senior citizen, you may be able to get reduced rates.
  • Multiple Vehicles - Buying insurance for multiple vehicles on one policy can get a discount on all vehicles.
  • Anti-lock Brake Discount - Cars that have steering control and anti-lock brakes can reduce accidents and will save you 10% or more.
  • Theft Prevention System - Anti-theft and alarm systems can help prevent theft and earn discounts up to 10%.

It's important to note that most credits do not apply to the entire cost. The majority will only reduce specific coverage prices like medical payments or collision. Even though it may seem like all those discounts means the company will pay you, you're out of luck.

Massachusetts car insurance

Save 15 percent in 15 minutes? Is it for real?

Companies like State Farm and Allstate continually stream television and radio advertisements. All the ads say the same thing that you can save after switching to them. How do they all make the same claim? It's all in the numbers.

All the different companies can use profiling for the type of driver that earns them a profit. An example of a preferred risk could be between the ages of 40 and 55, has no tickets, and drives less than 10,000 miles a year. Any new insured who fits that profile gets the lowest rates and is almost guaranteed to cut their rates substantially.

Potential customers who don't meet the "perfect" profile will be charged higher prices which usually ends up with business going elsewhere. Company advertisements say "customers who switch" but not "drivers who get quotes" save money. That's why insurance companies can advertise the way they do. That is why drivers should compare many company's rates. It's just too difficult to predict the company that will provide you with the cheapest rates.

More Massachusetts car insurance information

Additional detailed information is available at the Massachusetts Division of Insurance website. Consumers can find out industry alerts, view a list of available companies, and read enforcement actions against agents and companies.

compare Fitchburg car insurance rates

Do the work, save more money

You just learned a lot of tips how to reduce car insurance prices online. The most important thing to understand is the more you quote, the better your chances of lowering your rates. Consumers may even find the lowest priced car insurance comes from some of the smallest insurance companies.

Consumers change insurance companies for a variety of reasons including poor customer service, unfair underwriting practices, not issuing a premium refund and even lack of trust in their agent. It doesn't matter what your reason, finding a new car insurance company is less work than it seems.

As you go through the steps to switch your coverage, never skimp on coverage in order to save money. There have been many cases where an insured dropped liability limits or collision coverage only to find out that the savings was not a smart move. Your goal should be to buy the best coverage you can find at the best price, not the least amount of coverage.