Easy Ways to Save Money on Brewster Auto Insurance

Buying the cheapest Brewster auto insurance on the internet is impossible for beginners to buying insurance online. With so many choices of online companies, how can consumers possibly compare every one to find the lowest price?

It's important to compare rates quite often because prices are constantly changing. Just because you had the best rates a year ago the chances are good that you can find a lower rate today. You can find a lot of misleading information regarding auto insurance on the web, but we're going to give you some great ways to save money.

Save big with these discounts

Car insurance is not cheap, but there could be available discounts that you may not even be aware of. Some discounts apply automatically when you purchase, but some may not be applied and must be specifically requested before being credited.

Anti-lock Brake Discount - Anti-lock brake equipped vehicles are safer to drive and earn discounts up to 10%.
Discount for New Cars - Buying coverage on a new vehicle can be considerably cheaper compared to insuring an older model.
Early Signing - Some companies give discounts for switching policies before your current expiration date. This can save 10% or more.
Anti-theft System - Anti-theft and alarm systems are stolen less frequently and earn discounts up to 10%.
Multi-car Discount - Insuring more than one vehicle on the same auto insurance policy can get a discount on all vehicles.
Discount for Life Insurance - Companies who offer life insurance give a break if you buy life insurance from them.

A little note about advertised discounts, most credits do not apply to the overall cost of the policy. Most cut specific coverage prices like comprehensive or collision. Even though it may seem like you could get a free auto insurance policy, you won't be that lucky. Any amount of discount will help reduce your overall premium however.

To see a list of providers offering auto insurance discounts in Massachusetts, follow this link.

Free Brewster Auto Insurance Quotes

There are several ways of comparing price quotes from local Brewster auto insurance companies. The best method to compare insurance prices is to perform an online rate comparison. This can be done in several different ways.

The best way to find the lowest comparison rates is to use a rate comparison form (click to open form in new window). This method keeps you from doing repetitive form submissions for each company. One form will return quotes from multiple companies. This is by far the quickest method.
A more difficult way to get quotes online is to take the time to go to the website for each individual company and fill out their own quote form. For example, let's say you want comparison quotes from , and . You would have to visit each site and enter your information, which is why the first method is quicker. To view a list of companies in Brewster, click here.

It doesn't matter which method you choose, just make darn sure you compare apples-to-apples coverages and limits for each comparison quote. If you compare different deductibles you can't possibly determine the lowest rate in Brewster. Just a small difference in coverages may result in a large different in cost. And when comparison shopping, getting more free quotes provides better odds of finding a lower rate.

You have some control over your rates

An important part of buying insurance is that you know some of the elements that go into determining the price you pay for auto insurance. When you know what positively or negatively impacts premium levels enables informed choices that can help you get better auto insurance rates.

How many coverages with the same company - Most companies give discounts to customers who carry more than one policy, otherwise known as a multi-policy discount. Even if you're getting this discount it's still a good idea to compare rates to ensure the best deal.
Mature drivers pay less - Teen drivers in Massachusetts are statistically proven to be less responsible when driving so auto insurance rates are higher. If you've ever had to add a teenage driver to your auto insurance policy can really hurt. More mature drivers tend to be more responsible, tend to cause fewer accidents and receive fewer citations.
Careful drivers pay lower rates - Even a single ticket can boost insurance rates by as much as thirty percent. Careful drivers get better rates than bad drivers. Drivers who get serious violations such as reckless driving, hit and run or driving under the influence may be required to file a SR-22 with their state DMV in order to continue driving.
Increase deductibles and save - Physical damage coverage, commonly called comprehensive (or other-than-collision) and collision coverage, protects your car from damage. Some instances where coverage would apply could be collision with another vehicle, collision with an animal, and windstorm damage. Your deductibles are the amount of money you are willing to pay in the event of a claim. The more expense you are required to pay out-of-pocket, the bigger discount you will receive.
Are you male or female? - Statistics have proven women tend to be less risk to insure than men. That doesn't necessarily mean that men are worse drivers. Men and women tend to get into accidents at a similar rate, but men cause more damage. Men also get cited for more serious violations such as DWI and reckless driving. Youthful male drivers are the most expensive to insure and therefore have the most expensive auto insurance rates.

But I don't know anything about car insurance

When choosing coverage for your personal vehicles, there really is no cookie cutter policy. Your needs are not the same as everyone else's.

These are some specific questions may help you determine if your situation may require specific advice.

Do I need PIP (personal injury protection) coverage in Massachusetts?
Should I file a claim if it's only slightly more than my deductible?
Does my car insurance cover rental cars?
Do I need special endorsements for business use of my vehicle?
Am I covered when driving on a suspended license?
What are the financial responsibility laws in Massachusetts?
Does my policy cover me when driving someone else's vehicle?
Do I need to file an SR-22 for a DUI in Massachusetts?

If you don't know the answers to these questions but you think they might apply to your situation then you might want to talk to a licensed insurance agent. If you don't have a local agent, fill out this quick form.

Auto insurance ads bend the truth

Companies like Allstate and Progressive constantly bombard you with ads on TV and radio. All the ads say the same thing about savings if you switch to their company. But how can every company make almost identical claims? It's all in the numbers.

Different companies have a preferred profile for the driver that is profitable for them. A good example of a preferred risk could possibly be over the age of 50, insures multiple vehicles, and has excellent credit. A customer getting a price quote who fits that profile gets the lowest rates and most likely will save a lot of money.

Consumers who fall outside this ideal profile will be charged higher prices which usually ends up with the driver buying from a lower-cost company. The ads say "customers who switch" not "people who quote" save that much. This is how companies can truthfully make those claims.

That is why drivers must get as many comparisons as possible. It's impossible to know which insurance companies will have the lowest rates.

Final considerations

While you're price shopping online, do not reduce coverage to reduce premium. Too many times, drivers have reduced collision coverage and discovered at claim time they didn't purchase enough coverage. The aim is to purchase plenty of coverage at the best price, not the least amount of coverage.

You just read a lot of tips how to compare auto insurance prices online. The key thing to remember is the more quotes you get, the better your chances of lowering your rates. You may even find the biggest savings come from a small mutual company.

Cheaper auto insurance is available online and also from your neighborhood Brewster agents, and you should be comparing both in order to have the best price selection to choose from. Some companies may not provide the ability to get a quote online and many times these small insurance companies only sell through independent insurance agents.

Additional information can be read on the Massachusetts Division of Insurance website found here. Massachusetts consumers can read consumer alerts, read enforcement actions against agents and companies, and file complaints about a company.

Additional helpful sites include BankRate.com's Car Insurance: When not to Skimp and this directory of Brewster insurance agents.