Northfield Auto Insurance For Less Than You're Paying Now

Are you intimidated by the dozens of auto insurance companies in Northfield? Lot's of other consumers are too. People have so many options that it can turn into a ton of work to find lower rates.

If you currently have car insurance, you will most likely be able to cut costs considerably using these techniques. Shopping for affordable protection in Northfield is easy if you know what you're doing. But Vermont drivers do need to know how insurance companies sell online because it can help you find the best coverage.

Don't pay full price with these discounts

Properly insuring your vehicles can get expensive, but you can get discounts that you may not know about. Some discounts apply automatically at the time of purchase, but a few must be requested specifically prior to receiving the credit.

  • No Accidents - Drivers with accident-free driving histories pay much less when compared to drivers who are more careless.
  • Multiple Vehicles - Having multiple vehicles on one policy may reduce the rate for each vehicle.
  • Paperwork-free - Some insurance companies will discount your bill up to fifty bucks for buying a policy and signing up on their website.
  • Clubs and Organizations - Participating in certain professional organizations is a good way to get lower rates when shopping for auto insurance.
  • Driver Safety - Taking a course in driver safety could possibly earn you a 5% discount if you qualify.
  • Payment Method - If you pay your entire premium ahead of time instead of monthly or quarterly installments you may reduce your total bill.
  • Save over 55 - If you qualify as a senior citizen, you may be able to get better auto insurance rates.
  • Service Members Pay Less - Being on active duty in the military may qualify for rate reductions.
  • Low Mileage Discounts - Fewer annual miles could be rewarded with discounted rates on garaged vehicles.
  • Homeowners Discount - Simply owning a home can help you save on auto insurance due to the fact that maintaining a home shows financial diligence.

Drivers should understand that most discount credits are not given to all coverage premiums. Some only reduce individual premiums such as comp or med pay. So even though it sounds like you could get a free auto insurance policy, companies wouldn't make money that way. But all discounts will cut your premiums.

The auto insurance bait and switch

Auto insurance providers like Progressive, Allstate and GEICO continually stream ads in print and on television. They all make an identical promise that you'll save big after switching to their company. How do they all make almost identical claims?

Different companies are able to cherry pick for the driver that earns them a profit. For instance, a driver they prefer could possibly be over the age of 50, has no driving citations, and has a high credit rating. A customer getting a price quote who meets those qualifications will get very good rates and therefore will cut their rates substantially.

Potential customers who don't measure up to the "perfect" profile will be quoted higher prices and ends up with the driver buying from a lower-cost company. The ads say "customers that switch" not "everyone that quotes" save that much. That's the way companies can state the savings.

This emphasizes why you should get as many quotes as possible. It's impossible to know which auto insurance company will have the lowest rates.

Much more information about auto insurance in Vermont is located on the Vermont Department of Financial Regulation website located here. Vermont consumers can read industry bulletins, find out which companies have the most complaints, and get help finding coverage.

Do the work, save more money

People change insurance companies for a number of reasons such as high rates after DUI convictions, lack of trust in their agent, an unsatisfactory settlement offer and even questionable increases in premium. Regardless of your reason, choosing a new insurance company is less work than it seems.

Budget-conscious auto insurance can be sourced online and also from your neighborhood Northfield agents, and you should be comparing both so you have a total pricing picture. Some insurance companies may not provide you the ability to get quotes online and these small, regional companies work with independent agents.

As you restructure your insurance plan, never buy lower coverage limits just to save a few bucks. There are too many instances where someone sacrificed collision coverage and learned later that they should have had better coverage. Your strategy should be to find the BEST coverage at a price you can afford while still protecting your assets.