Easy Ways to Pay Less on Amesbury Auto Insurance

If you're new to shopping for auto insurance online, it's easy to be confused because of the huge number of auto insurance companies selling insurance in Amesbury.

It's important to get comparison quotes periodically because prices are constantly changing. Even if you got the best deal six months ago you can probably find a lower rate today. Starting now, forget anything you know (or think you know) about auto insurance because you're going to get a crash course in the proper way to save on auto insurance.

Massachusetts auto insurance

How to Get Amesbury Auto Insurance Comparison Quotes

There are several ways to shop for auto insurance, but some are more efficient than others. You can spend countless hours driving to insurance agencies in Amesbury, or you could use the internet to achieve your goal.

The majority of car insurance companies participate in a marketplace that allows shoppers to submit their information once, and at least one company can provide price quotes based on that data. This system prevents you from having to do repetitive form submissions for each company you want a rate for. To submit your quote information now, click to open in new window.

The only downside to using this type of system is you are unable to specify the providers you will receive quotes from. So if you prefer to choose specific providers to compare rates, we have assembled a list of companies who write auto insurance in Massachusetts. Click here for list of insurance companies in Massachusetts.

It doesn't matter which method you choose, just be sure to compare identical coverage limits and deductibles on every quote. If you have different liability limits you can't possibly make a fair comparison in Amesbury. Having just a slight variation in limits could mean much higher rates. Keep in mind that having more price comparisons helps locate the best rates.

How much can you save with discounts?

Car insurance can cost a lot, but companies offer discounts that many people don't even know exist. Larger premium reductions will be automatically applied when you complete an application, but some must be requested specifically before they will apply.

  • Early Signing - Some companies give discounts for buying a policy before your current expiration date. This can save 10% or more.
  • Anti-theft Discount - Vehicles equipped with anti-theft or alarm systems prevent vehicle theft and earn discounts up to 10%.
  • Homeowners Savings - Being a homeowner may earn you a small savings because owning a home requires personal responsibility.
  • No Claims - Good drivers with no accidents can earn big discounts compared to bad drivers.
  • Good Student - A discount for being a good student can get you a discount of up to 25%. The discount lasts until age 25.

Keep in mind that many deductions do not apply to the entire policy premium. Some only reduce specific coverage prices like medical payments or collision. So despite the fact that it appears you can get free auto insurance, it just doesn't work that way. But any discount will bring down the amount you have to pay.

To see a list of providers offering auto insurance discounts in Massachusetts, click this link.

How much car insurance do I need?

When choosing proper insurance coverage for your vehicles, there isn't really a perfect coverage plan. Your needs are not the same as everyone else's.

For example, these questions may help highlight if your insurance needs would benefit from professional advice.

  • Does my car insurance cover rental cars?
  • Do I need special endorsements for business use of my vehicle?
  • Does my policy cover my teen driver if they drive my company car?
  • Will I be non-renewed for getting a DUI or other conviction?
  • When do I need to add a new car to my policy?
  • Should I buy only the required Massachusetts minimum liability coverage?

If it's difficult to answer those questions but you think they might apply to your situation, you may need to chat with a licensed agent. If you don't have a local agent, complete this form.

More information is available on the Massachusetts Division of Insurance website found here. Visitors are able to learn about specific coverages, file complaints about a company, and read consumer alerts.