Car Insurance in Bolton Massachusetts - 7 Discounts You Might be Forgetting

Are you tired of not being able to afford each month for car insurance? You're in the same situation as the majority of other car owners in Massachusetts. Because there are so many online and local companies to choose from, it is hard for the average consumer to pick the best insurance company.

Choosing the best insurance company for you in Bolton is not that difficult. If you have car insurance now, you should be able to lower your premiums substantially using these techniques. Massachusetts consumers only need to know the most effective way to find the lowest price online.

Don't pay full price with these seven discounts

Car insurance companies don't always advertise every discount very well, so we break down some of the more common and the more hidden ways to save on car insurance. If you don't get every credit available, you're paying more than you need to.

  • Driver's Ed - Have your child successfully complete driver's ed class in school.
  • Employee of Federal Government - Being employed by or retired from a federal job can save as much as 8% with a few car insurance companies.
  • Braking Control Discount - Anti-lock brake equipped vehicles are safer to drive and qualify for as much as a 10% discount.
  • Early Signing - A few companies offer discounts for switching to them before your current expiration date. This can save 10% or more.
  • Anti-theft Discount - Vehicles equipped with anti-theft or alarm systems are stolen less frequently and qualify for as much as a 10% discount.
  • Payment Discounts - If paying your policy premium upfront instead of paying each month you could save 5% or more.
  • Distant Student - Any of your kids who attend school more than 100 miles from home and do not have a car may be able to be covered for less.

A little note about advertised discounts, many deductions do not apply to the entire cost. Most cut the cost of specific coverages such as liability and collision coverage. So even though it sounds like it's possible to get free car insurance, you won't be that lucky.

To see a list of insurance companies offering car insurance discounts in Massachusetts, click this link.

compare Bolton car insurance rates

How to Compare Bolton Car Insurance Rates

There are multiple methods you can shop for car insurance but some are less time-consuming than others. You can waste a lot of time talking to insurance agencies in Bolton, or you can utilize the web for quick rates.

Many insurance companies are enrolled in a marketplace that enables customers to complete one form, and every company provides a quote. This system prevents you from having to do form submissions to each individual car insurance company. To submit your quote information now, click to open in new window.

The only drawback to using this type of form is you are unable to specify which carriers to get quotes from. So if you prefer to pick specific providers to compare rates, we put together a list of low cost car insurance companies in Massachusetts. Click here for list of insurance companies in Massachusetts.

It doesn't matter which method you choose, just ensure you're using apples-to-apples coverage limits and deductibles with each company. If you compare different liability limits it will be impossible to make an equal comparison in Bolton.

The car insurance bait and switch

Consumers can't get away from ads for the lowest price auto insurance from companies such as State Farm, Allstate and GEICO. They all make the same claim about savings if you switch your policy.

But how can every company make the same claim?

All companies can use profiling for the right customer that is profitable for them. For example, a driver they prefer could be a mature driver, is a homeowner, and has great credit. Any new insured who matches those parameters gets the lowest rates and therefore will save a lot of money.

Potential insureds who don't measure up to this ideal profile will be quoted more money which leads to business going elsewhere. The ads say "people who switch" not "everyone that quotes" save that kind of money. That's why companies can truthfully advertise the savings. This emphasizes why drivers must compare as many rates as you can. It's just too difficult to predict the company that will give you the biggest savings.

A tidy conclusion

As you prepare to switch companies, don't be tempted to reduce coverage to reduce premium. There have been many situations where an accident victim reduced uninsured motorist or liability limits only to regret that the small savings ended up costing them much more. The proper strategy is to purchase plenty of coverage at an affordable rate while still protecting your assets.

The cheapest car insurance can be found from both online companies in addition to many Bolton insurance agents, and you need to price shop both to have the best chance of lowering rates. There are still a few companies who do not provide the ability to get a quote online and these regional insurance providers work with independent agents.

Even more information can be found at the Massachusetts Division of Insurance website. Consumers can download brochures, find out industry alerts, read consumer alerts, and view a list of available companies.

Additional helpful sites include this site for car insurance rates in Massachusetts and this list of insurance agents in Bolton, MA.