How to Know You're Paying Too Much for Car Insurance in Saugus

Nobody looks forward to paying for car insurance, particularly when the cost is way too high.

Insurance companies such as State Farm, Allstate, GEICO and Progressive continually bombard you with catchy ads and it can be hard to sift through the bull and find the best price available.

It's important to get comparison quotes periodically due to the fact that insurance rates are constantly changing. If you had the best price six months ago you can probably find a lower rate today. Ignore everything you know about car insurance because you're about to find out one of the easiest ways to eliminate unnecessary coverages and save money.

California car insurance quotes

Saugus Car Insurance Comparisons

There are several ways of comparing rates from different Saugus insurance companies. The best method to find competitive insurance rates involves getting comparison quotes online. This can be done in several different ways.

  • The recommended way consumers can analyze rates is to use a rate comparison form like this one (opens in new window). This form eliminates the need for boring form submissions for each company. Just one form will return price quotes from all major companies.
  • A slightly less efficient method to compare rate quotes consists of visiting the website for each individual company and request a quote. For examples sake, let's say you want to compare , and . You would have to take the time to go to each site to enter your coverage information, which is why the first method is quicker.

    To view a list of companies in Saugus, click here.

It's up to you how you get prices quotes, just be sure to compare exactly the same deductibles and coverage limits with every price quote. If the quotes have different values for each quote then you won't be able to find the best deal in Saugus. Having just a slight variation in limits could mean much higher rates. Keep in mind that having more price comparisons will increase your chances of finding better pricing.

Take advantage of discounts

Car insurance companies do not advertise all their discounts in a way that's easy to find, so we took the time to find both the well known and also the lesser-known ways to save on car insurance.

  • Bundle and Save - When you combine your home and auto insurance with the same company you may earn 10% to 20% off each policy.
  • Passive Restraints - Factory air bags or motorized seat belts can qualify for discounts up to 30%.
  • Drivers Ed for Students - Have your child complete a driver education course in high school.
  • Pay Upfront and Save - If paying your policy premium upfront instead of paying each month you could save 5% or more.
  • Senior Citizens - Mature drivers can possibly qualify for a discount up to 10%.

It's important to note that most discount credits are not given to the entire policy premium. Most only reduce specific coverage prices like collision or personal injury protection. So even though they make it sound like you could get a free car insurance policy, you're out of luck.

To see a list of companies with the best car insurance discounts in Saugus, click this link.

How to know if you need help

When choosing the right insurance coverage for your vehicles, there really is not a perfect coverage plan. Every situation is different so this has to be addressed. These are some specific questions may help highlight whether your personal situation would benefit from professional advice.

  • What are the best liability limits?
  • Should I drop comprehensive coverage on older vehicles?
  • Is my cargo covered for damage or theft?
  • What can I do if my company won't pay a claim?
  • Should I put collision coverage on all my vehicles?
  • Will I be non-renewed for getting a DUI or other conviction?

If it's difficult to answer those questions but you know they apply to you, then you may want to think about talking to a licensed agent. To find lower rates from a local agent, complete this form or you can go here for a list of companies in your area.

Additional detailed information can be found at the California Department of Insurance website. Visitors are able to view agent and company licensing information, find out industry alerts, download brochures, and view a list of available companies.