Proven Techniques to Save on Braintree Auto Insurance

Did you fall for a flashy sales pitch and buy an overpriced auto insurance policy? Believe me when I say there are many people just like you. There are many to buy insurance from, and even though it's nice to have multiple companies, it makes it harder to compare rates.

Finding affordable coverage in Braintree is quite easy. If you have car insurance now, you will be able to lower your premiums substantially using this information. Massachusetts drivers only need an understanding of the proper way to compare company rates over the internet.

Be sure to get all your discounts

Companies don't always advertise every discount very clearly, so we break down some of the best known as well as the least known discounts you could be receiving. If you're not getting every credit possible, you are throwing money away.

  • Payment Method - By paying your policy upfront instead of monthly or quarterly installments you can actually save on your bill.
  • Multiple Vehicles - Buying insurance for multiple vehicles on one policy may reduce the rate for each vehicle.
  • Distant Student - Youth drivers who attend school more than 100 miles from home and do not have access to a covered vehicle can receive lower rates.
  • Senior Discount - If you qualify as a senior citizen, you may be able to get reduced rates.
  • Military Rewards - Being deployed with a military unit may qualify for rate reductions.
  • Discount for Good Grades - Performing well in school can get you a discount of up to 25%. This discount can apply well after school through age 25.
  • Homeowners Discount - Simply owning a home can save you money due to the fact that maintaining a home is proof that your finances are in order.
  • Driver Safety - Completing a course teaching defensive driving skills could possibly earn you a 5% discount if you qualify.

Consumers should know that some credits don't apply to all coverage premiums. Most only reduce individual premiums such as liability and collision coverage. Even though it may seem like you can get free auto insurance, companies don't profit that way.

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Is there truth in advertising?

Massachusetts drivers get pounded daily by advertisements that promise big savings by companies like State Farm, Allstate and GEICO. They all have a common claim of big savings after switching to them.

How does each company say the same thing?

All companies are able to cherry pick for the type of driver that earns them a profit. For example, a driver they prefer might be profiled as between 25 and 40, has no driving citations, and chooses high deductibles. A propective insured that hits that "sweet spot" will get the preferred rates and is almost guaranteed to save when switching.

Consumers who don't measure up to these standards will be quoted higher rates and this can result in business not being written. The ads state "customers that switch" but not "drivers who get quotes" save money. That's the way insurance companies can confidently state the savings. This emphasizes why you should get a wide range of price quotes. It's not possible to predict which auto insurance company will give you the biggest savings.

More tips and info about auto insurance can be found at the Massachusetts Division of Insurance website. Massachusetts drivers can view a list of available companies, report car insurance fraud, read enforcement actions against agents and companies, and learn about insurance regulations.

A tidy conclusion

Cost effective auto insurance can be bought on the web and with local Braintree insurance agents, so you should compare both to get a complete price analysis. Some insurance companies do not offer you the ability to get quotes online and these regional insurance providers work with independent agents.

When buying insurance coverage, it's very important that you do not buy lower coverage limits just to save a few bucks. There have been many situations where someone sacrificed uninsured motorist or liability limits only to regret that their decision to reduce coverage ended up costing them more. The proper strategy is to get the best coverage possible at a price you can afford while still protecting your assets.