Acton Auto Insurance For Less Than You're Paying Now

Are you intimidated by the number of auto insurance choices in Acton? Many other drivers are as well. You have so many options available that it can turn into a ton of work to find the best price.

Save big with these discounts

Properly insuring your vehicles can get expensive, but you may find discounts to reduce the price significantly. Some discounts apply automatically when you get a quote, but lesser-known reductions have to be asked about before you will receive the discount.

  • Accident Free - Drivers with accident-free driving histories can earn big discounts when compared to drivers who are more careless.
  • Multiple Vehicles - Insuring multiple vehicles on one policy could earn a price break for each car.
  • Multiple Policy Discount - If you have multiple policies with the same company you may save approximately 10% to 15%.
  • Discount for Good Grades - Performing well in school can be rewarded with saving of up to 25%. The discount lasts well after school through age 25.
  • Theft Prevention System - Cars that have factory anti-theft systems are stolen less frequently and qualify for as much as a 10% discount.

It's important to note that most discounts do not apply to all coverage premiums. Some only apply to the cost of specific coverages such as comp or med pay. So when it seems like having all the discounts means you get insurance for free, you're out of luck. But any discount will help reduce your overall premium however.

Auto insurance ads bend the truth

Auto insurance providers like Progressive, Allstate and GEICO continually stream ads on TV and radio. They all make an identical promise that you can save after switching to them. But how can every company make almost identical claims?

All the different companies are able to cherry pick for the type of driver that earns them a profit. An example of a driver they prefer could possibly be over the age of 50, has no driving citations, and drives less than 10,000 miles a year. A customer getting a price quote who meets those qualifications will qualify for the lowest rates and most likely will save a lot of money.

Drivers who fall outside this ideal profile will be quoted higher premiums and ends up with the driver buying from a lower-cost company. The ad wording is "people who switch" not "people who quote" save money. That's the way insurance companies can advertise the way they do.

This emphasizes why you should get a wide range of price quotes. It's impossible to know which auto insurance company will provide you with the cheapest rates.

Learn more about Indiana auto insurance

More information is available on the Indiana Department of Insurance website through this link. Indiana consumers can read industry bulletins, report car insurance fraud, and view agent and company licensing information.

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

Affordable insurance is out there

People change insurance companies for many reasons like high rates after DUI convictions, lack of trust in their agent, policy non-renewal and even poor customer service. Whatever your reason, finding the right auto insurance provider is less work than it seems.

Lower-priced auto insurance can be purchased online and with local Acton insurance agents, and you should be comparing both to have the best chance of lowering rates. Some auto insurance companies do not offer you the ability to get quotes online and these smaller companies work with independent agents.

As you go through the steps to switch your coverage, don't be tempted to buy lower coverage limits just to save a few bucks. There are too many instances where someone sacrificed comprehensive coverage or liability limits to discover at claim time that the savings was not a smart move. Your strategy should be to get the best coverage possible at an affordable rate while still protecting your assets.