7 Best Ways to Slash Car Insurance Costs in Andover, MA
Tired of not being able to afford each month for car insurance? Your situation is no different than many other drivers in Massachusetts. You have multiple to buy insurance from, and even though it's nice to have a choice, having more makes it harder to compare rates.
How to Compare Car Insurance Costs in Andover
Getting better car insurance pricing is a fairly straight forward process. Consumers just need to spend a few minutes comparing rate quotes online from several insurance companies. This can be done using a couple different methods.
The first (and easiest) way to get the best comparison quotes is a comparison rater form click to view form in new window. This method eliminates the need for separate forms for each company. Taking the time to complete one form gets you price quotes from several companies.
A more time consuming way to shop for car insurance online requires a trip to the website of each company and fill out their own quote form. For instance, let's assume you want rates from , and . You would have to go to every website to input your insurance information, which is why the first method is more popular.
For a list of links to companies insuring cars in Andover, click here.
The least efficient way of getting rate comparisons is driving to insurance agents' offices. The internet makes this process obsolete unless you require the professional advice of a licensed agent. You can, however, compare the best prices online but buy from a local insurance agent and we'll cover that in a bit.
Which method you use is up to you, but double check that you are using identical quote information for every quote you compare. If your comparisons have mixed coverages it's impossible to determine the best price in Andover.
Policy discounts you shouldn't miss
Auto insurance companies do not list every discount very clearly, so we took the time to find both the well known as well as the least known car insurance savings. If you're not getting every credit available, you're just leaving money on the table.
- Drivers Education - Require your teen driver to successfully complete driver's ed class if offered at their school.
- Pay Now and Pay Less - If you pay your bill all at once rather than paying monthly you can actually save on your bill.
- Multiple Cars - Buying insurance for all your vehicles on one policy may reduce the rate for each vehicle.
- Distant Student - Children who attend school more than 100 miles from home and don't have a car can receive lower rates.
- Multiple Policy Discount - When you have multiple policies with one company you will save 10% to 20% off each policy.
- Anti-lock Brake Discount - Vehicles with anti-lock braking systems can avoid accidents and will save you 10% or more.
- One Accident Forgiven - Certain companies will forgive one accident without raising rates if your claims history is clear for a certain period of time.
It's important to note that most credits do not apply to the entire cost. A few only apply to individual premiums such as liability and collision coverage. Even though it may seem like you would end up receiving a 100% discount, you're out of luck.
For a list of insurance companies with discount car insurance rates in Massachusetts, follow this link.
Additional detailed information can be found at the Massachusetts Division of Insurance website. Visitors are able to download brochures, view a list of available companies, report car insurance fraud, and read enforcement actions against agents and companies.
A tidy conclusion
Lower-priced car insurance can be sourced both online and with local Andover insurance agents, and you need to price shop both so you have a total pricing picture. There are still a few companies who do not offer online quoting and these regional insurance providers work with independent agents.
As you prepare to switch companies, it's very important that you do not reduce needed coverages to save money. There have been many situations where an insured dropped physical damage coverage only to regret at claim time that the small savings ended up costing them much more. The proper strategy is to buy enough coverage at a price you can afford while still protecting your assets.
