Tightwads Guide to Saving on Uxbridge Auto Insurance

Having to pay for overpriced auto insurance can overdraw your savings account and put the squeeze on your family's finances. Comparing price quotes is free and is an excellent way to cut your insurance bill. Since consumers have many companies and agents to choose from, it is very difficult to locate the most cost effective car insurance company.

Choosing the best insurance company for you in Uxbridge is quite easy. If you have a policy now or need new coverage, you can learn to find the best rates and possibly find even better coverage. Massachusetts drivers only need an understanding of the most effective way to shop their coverage around on the web.

More discounts equal less premium

Companies that sell car insurance don't list every discount very well, so we took the time to find both well-publicized and also the lesser-known ways to save on auto insurance. If you don't get every credit you deserve, you are throwing money away.

  • Claim Free - Drivers who don't have accidents can save substantially when compared to drivers who are more careless.
  • Paperwork-free - Certain companies will discount your bill up to fifty bucks simply for signing online.
  • Multiple Cars - Having all your vehicles on one policy can get a discount on all vehicles.
  • Anti-theft Discount - Vehicles equipped with anti-theft or alarm systems are stolen less frequently and earn discounts up to 10%.
  • Clubs and Organizations - Participating in a professional or civic organization could trigger savings when shopping for auto insurance.
  • Safety Course Discount - Completing a course in driver safety could cut 5% off your bill if you qualify.
  • Low Mileage Discounts - Low mileage vehicles can earn better rates on cars that stay parked.

It's important to understand that many deductions do not apply to all coverage premiums. Most only apply to specific coverage prices like comp or med pay. So even though they make it sound like all the discounts add up to a free policy, it doesn't quite work that way.

Switch companies and save? Really?

Massachusetts consumers get pounded daily by advertisements for car insurance savings from the likes of Progressive, Allstate and GEICO. They all make the same claim of big savings if you change your coverage to them.

But how can every company make almost identical claims? It's all in the numbers.

All companies have a preferred profile for the type of customer that earns them a profit. For example, a driver they prefer could possibly be a mature driver, insures multiple vehicles, and has great credit. A customer getting a price quote who matches those parameters is entitled to the best price and therefore will save a lot of money.

Drivers who do not match this ideal profile will be quoted higher premiums which leads to the driver buying from a lower-cost company. The ads state "customers who switch" not "everyone that quotes" save that much money. This is how insurance companies can confidently advertise the savings. This emphasizes why you should get quotes from several different companies. It's impossible to know which insurance companies will fit your personal profile best.

For more Massachusetts auto insurance information

More tips and info about auto insurance can be found at the Massachusetts Division of Insurance website. Massachusetts consumers can read industry bulletins, get help finding coverage, report car insurance fraud, and read consumer alerts.

Also read more on this online resource for auto insurance quotes in Massachusetts and this list of insurance agents in Uxbridge.

Best coverage at the best price

Low-cost auto insurance can be sourced online as well as from independent agents in Uxbridge, and you need to price shop both to have the best chance of lowering rates. There are still a few companies who don't offer you the ability to get quotes online and these regional insurance providers work with independent agents.

When you buy insurance online, do not buy lower coverage limits just to save a few bucks. There are too many instances where drivers have reduced physical damage coverage only to regret at claim time that the few dollars in savings costed them thousands. Your strategy should be to buy a smart amount of coverage at the best price while still protecting your assets.