Consumer Tested Strategies to Save on Bradford Auto Insurance

No one in their right mind likes having to buy auto insurance, especially knowing their premiums are through the roof.

Because you have many choices of insurance companies, it's difficult to choose the best car insurance company.

The purpose of this article is to familiarize you with how to get online quotes and some money-saving tips. If you currently have car insurance, you should be able to lower your premiums substantially using this strategy. Although Massachusetts vehicle owners do need to know the way companies price online insurance and use this information to your advantage.

These discounts can lower your rates

Insurance can cost an arm and a leg, but you can get discounts that many people don't even know exist. Certain discounts will be applied when you purchase, but lesser-known reductions have to be manually applied before being credited.

  • Homeowners Savings - Owning a home in Bradford may earn you a small savings because owning a home is proof that your finances are in order.
  • Early Signing - Some companies give discounts for signing up before your current policy expires. This can save 10% or more.
  • Braking Control Discount - Vehicles with anti-lock braking systems are safer to drive and therefore earn up to a 10% discount.
  • Anti-theft System - Vehicles equipped with anti-theft or alarm systems are stolen less frequently and earn discounts up to 10%.
  • Payment Discounts - If paying your policy premium upfront rather than paying monthly you may reduce your total bill.
  • Student in College - Any of your kids who attend school more than 100 miles from home and do not have a car can be insured at a reduced rate.
  • Paperless Signup - Some insurance companies give back up to $50 for buying your policy online.

A little note about advertised discounts, most discount credits are not given to the entire policy premium. Most cut specific coverage prices like physical damage coverage or medical payments. So even though they make it sound like you could get a free auto insurance policy, you won't be that lucky. Any amount of discount will help reduce the cost of coverage.

For a list of insurers offering auto insurance discounts in Massachusetts, click this link.

Vehicle Insurance Comparison

Most major insurance companies provide coverage prices directly from their websites. Getting online quotes is pretty painless as you just enter your personal and coverage information as detailed in the form. Once entered, their system will obtain your credit score and driving record and quotes a price. This helps simplify price comparisons, but having to visit different websites and enter the same data into a form is repetitive and time-consuming. But it's very important to do this if you want to find better auto insurance pricing.

A more efficient way to compare rates requires only one form to get prices from more than one company. The form is fast, reduces the work, and makes quoting online a lot less work. After sending the form, it gets priced and you can choose any or none of the quotes that you receive.

If you find a better price it's easy to complete the application and purchase coverage. The whole process takes less than 15 minutes and you will find out if you're overpaying now.

To quickly find out what other companies charge, click here to open in new window and begin entering your coverage information. To compare your current rates, we recommend that you enter the coverage information as close as possible to your current policy. This helps ensure you will receive a price comparison based on identical coverages.

Different people need different coverages

When it comes to choosing adequate coverage for your vehicles, there really is no one size fits all plan. Your needs are not the same as everyone else's so this has to be addressed. For instance, these questions may help highlight whether you might need an agent's assistance.

  • When do I need to add a new car to my policy?
  • Does my car insurance cover rental cars?
  • Can I get a multi-policy discount for packaging my home and auto coverage?
  • Am I covered when renting a car or should I buy coverage from the car rental agency?
  • What can I do if my company won't pay a claim?
  • Why does it cost so much to insure a teen driver in Bradford?

If it's difficult to answer those questions then you might want to talk to a licensed insurance agent. If you don't have a local agent, fill out this quick form or go to this page to view a list of companies.

Final considerations

The cheapest auto insurance can be found on the web and also from your neighborhood Bradford agents, and you should compare price quotes from both in order to have the best price selection to choose from. Some insurance providers may not provide online quoting and usually these regional insurance providers provide coverage only through local independent agents.

In this article, we covered some good ideas how to get a better price on auto insurance. The key thing to remember is the more rate comparisons you have, the better your chances of lowering your rates. You may be surprised to find that the lowest rates come from a small mutual company. These companies may cover specific market segments cheaper than the large multi-state companies such as .

As you shop your coverage around, do not sacrifice coverage to reduce premiums. In too many instances, someone dropped uninsured motorist or liability limits only to regret that saving that couple of dollars actually costed them tens of thousands. Your focus should be to purchase plenty of coverage at the best price while not skimping on critical coverages.