Consumer Tested Strategies to Save on Adams Auto Insurance

Are you sick and tired of scraping the payment together each month for car insurance? Your situation is no different than the majority of other car owners in Massachusetts. You have so many to pick from, and though it is a good thing to have multiple companies, lots of choices makes it harder to compare rates.

Policy discounts you shouldn't miss

Insurance can cost an arm and a leg, buy you may qualify for discounts to cut the cost considerably. Certain discounts will be applied at quote time, but some must be manually applied in order for you to get them. If you're not getting every credit available, you are throwing money away.

  • Clubs and Organizations - Being a member of a qualifying organization could trigger savings when buying auto insurance.
  • Payment Method - If paying your policy premium upfront instead of monthly or quarterly installments you could save 5% or more.
  • Student in College - Any of your kids who live away from home and do not have access to a covered vehicle can receive lower rates.
  • Auto/Life Discount - Companies who offer life insurance give a discount if you purchase auto and life insurance together.
  • Homeowners Pay Less - Owning a home in Adams may earn you a small savings due to the fact that maintaining a home requires personal responsibility.
  • Military Discounts - Having a family member in the military may qualify for rate reductions.

As a disclaimer on discounts, many deductions do not apply to the entire cost. Most only reduce specific coverage prices like physical damage coverage or medical payments. Just because you may think all those discounts means the company will pay you, auto insurance companies aren't that generous. Any amount of discount will bring down the amount you have to pay.

Learn How to Buy Auto Insurance Cheaper

Smart consumers have a good feel for the rating factors that help determine the rates you pay for auto insurance. Knowing what impacts premium levels helps enable you to make changes that could result in big savings.

The following are some of the factors that factor into premiums.

  • Liability coverage protects you - Liability coverage will protect you if you are found liable for damages caused by your negligence. It provides legal defense coverage which can cost thousands of dollars. Carrying liability coverage is mandatory and cheap when compared with rates for comp and collision, so drivers should carry high limits.
  • Lower rates with optional equipment - Driving a car with a theft deterrent system can get you a discount on your auto insurance. Theft prevention features like vehicle immobilizer systems, General Motors OnStar and LoJack tracking systems all hinder your vehicle from being stolen.
  • Older drivers pay less - Youthful drivers in Massachusetts are known to get distracted easily in a vehicle so they pay higher auto insurance rates. Mature drivers are more responsible, file fewer claims and are safer drivers.
  • Please use or commuting - Driving more miles every year the more you'll pay to insure your vehicle. The majority of insurers charge to insure your cars based upon how you use the vehicle. Autos not used for work or commuting can get a lower rate compared to those used for work or business. Ask your agent if your auto insurance coverage shows the proper vehicle usage, because it can save money.
  • Being married can save on auto insurance - Being married can get you a discount on your auto insurance policy. Having a spouse usually means you are more responsible and statistics show drivers who are married are more cautious.
  • Discounts for multiple policies - Many auto insurance companies will award you with lower prices to insureds who have multiple policies with them in the form of a multi-policy discount. Even if you're getting this discount it's still a good idea to compare other company rates to confirm you are receiving the best rates possible. You may still find better rates by insuring with multiple companies.
  • High numbers of claims are not good - If you file claims often, you can definitely plan on higher rates. Auto insurance companies in Massachusetts give lower rates to insureds who do not rely on their insurance for small claims. Insurance coverage is intended for major claims that would cause financial hardship.

Save $429 a year? Really?

Consumers in Massachusetts get pounded daily by advertisements for the lowest price auto insurance from companies such as Allstate, GEICO and Progressive. All the companies make the same claim about savings after switching your policy.

How does each company claim to save you money? It's all in the numbers.

All the different companies can use profiling for the right customer that earns them a profit. An example of a profitable customer might be between the ages of 30 and 50, has no tickets, and has a short commute. A customer getting a price quote who matches those parameters will get the preferred rates and is almost guaranteed to save when switching.

Potential insureds who don't qualify for these standards must pay more money which leads to the customer not buying. The ads state "customers who switch" but not "drivers who get quotes" save that kind of money. That's why companies can truthfully make the claims of big savings.

This illustrates why drivers should get quotes from several different companies. It's impossible to know the company that will fit your personal profile best.

More Massachusetts auto insurance information

Additional information is available on the website for the Massachusetts Division of Insurance found here. Visitors are able to find out which companies have the most complaints, view a list of available companies, read enforcement actions against agents and companies, and file complaints about an insurance agent or broker.

Also read more on this link for Massachusetts auto insurance quotes and this link which helps you find a Adams agent.

compare Adams auto insurance rates

Best coverage at the best price

Cheap auto insurance can be bought both online in addition to many Adams insurance agents, and you should compare price quotes from both in order to have the best chance of saving money. Some insurance providers do not provide you the ability to get quotes online and usually these smaller companies provide coverage only through local independent agents.

As you shop your coverage around, make sure you don't skimp on coverage in order to save money. In too many instances, an insured dropped liability limits or collision coverage only to find out that saving that couple of dollars actually costed them tens of thousands. Your focus should be to get the best coverage possible at the best price while not skimping on critical coverages.