Tightwads Tips for Saving on Boylston Auto Insurance
Are you sick and tired of not being able to afford each month for car insurance? Your situation is no different than many other Massachusetts consumers. 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.
Be sure to get all your discounts
Companies that sell car insurance do not advertise every discount very clearly, so here is a list both well-publicized and the more hidden savings tricks you should be using. If you're not getting every credit available, you are throwing money away.
- Claim Free - Claim-free drivers can earn big discounts when compared to drivers who are more careless.
- Lower Rates for Military - Being on active duty in the military could mean lower rates.
- Anti-lock Brake System - Cars that have steering control and anti-lock brakes are safer to drive and will save you 10% or more.
- Life Insurance - Some companies give a discount if you purchase life insurance.
- Low Mileage Discounts - Driving fewer miles can qualify you for discounted rates on garaged vehicles.
Keep in mind that most discounts do not apply to the entire cost. Most only apply to the cost of specific coverages such as comp or med pay. Just because you may think all the discounts add up to a free policy, it just doesn't work that way.
Is there truth in advertising?
Massachusetts consumers get pounded daily by advertisements for the lowest price auto insurance from the likes of Progressive, Allstate and GEICO. They all make an identical promise that you can save if you switch your coverage to them.
How does each company make almost identical claims?
Insurance companies can use profiling for the type of customer that earns them a profit. An example of a driver they prefer could possibly be over the age of 40, has no tickets, and has a high credit rating. A driver who meets those qualifications is entitled to the best price and is almost guaranteed to save when switching.
Potential customers who don't measure up to these standards will be quoted a higher premium and ends up with the driver buying from a lower-cost company. The ads state "people who switch" but not "drivers who get quotes" save that much money. That's why insurance companies can state the savings. This emphasizes why you should get quotes from several different companies. It is impossible to predict the company that will have the lowest rates.
More Massachusetts auto insurance information
Additional detailed information is available at the Massachusetts Division of Insurance website. Massachusetts consumers can read industry bulletins, view a list of available companies, find out industry alerts, and file complaints about an insurance agent or broker.
Also read more on this online resource for auto insurance quotes in Massachusetts and this list of insurance agents in Boylston.
In the end, you save
As you restructure your insurance plan, make sure you don't buy lower coverage limits just to save a few bucks. There are too many instances where an insured dropped comprehensive coverage or liability limits to discover at claim time that they should have had better coverage. Your strategy should be to buy a smart amount of coverage at an affordable rate while still protecting your assets.
Affordable auto insurance can be found online as well as from independent agents in Boylston, and you need to comparison shop both to have the best rate selection. Some insurance companies don't offer you the ability to get quotes online and these smaller companies work with independent agents.
