6 Ways to Save on Car Insurance in Brighton, MA

If online car insurance comparisons are new to you, you can be overwhelmed by the hoards of car insurance companies all offering big savings in Brighton.

If you have a current car insurance policy or need a new policy, you can learn to get lower rates while maintaining coverages. Locating affordable protection in Brighton can be fairly easy. Massachusetts vehicle owners just need to know the most effective way to compare rates over the internet.

Policy discounts you shouldn't miss

Insurance can cost an arm and a leg, but you may find discounts to cut the cost considerably. Larger premium reductions will be automatically applied at the time of purchase, but some may not be applied and must be asked about prior to receiving the credit. If you aren't receiving every discount you qualify for, you are throwing money away.

Multiple Vehicles - Buying insurance for multiple vehicles on one policy could earn a price break for each car.
Anti-lock Brake Discount - Cars that have steering control and anti-lock brakes can reduce accidents and will save you 10% or more.
Senior Citizens - If you qualify as a senior citizen, you may be able to get reduced rates.
Federal Employees - Active or retired federal employment could cut as much as 10% off depending on your company.
Auto/Home Discount - If you have multiple policies with one company you may earn at least 10% off all policies.
Good Student - Performing well in school can earn a discount of 20% or more. The good student discount can last well after school through age 25.

Consumers should know that most of the big mark downs will not be given to your bottom line cost. Some only apply to the cost of specific coverages such as physical damage coverage or medical payments. So even though they make it sound like adding up those discounts means a free policy, companies don't profit that way. But all discounts will reduce the amount you have to pay.

Insurance agents can help

When it comes to buying coverage for your vehicles, there really is not a "best" method to buy coverage. Everyone's needs are different.

For example, these questions might point out whether your personal situation would benefit from professional advice.

Am I covered when driving on a suspended license?
Do I need PIP (personal injury protection) coverage in Massachusetts?
Should I put collision coverage on all my vehicles?
Do I have coverage for damage caused while driving under the influence?
What is the difference between comprehensive and collision coverage?
Does my insurance cover a custom paint job?
Do I need to file an SR-22 for a DUI in Massachusetts?

If you don't know the answers to these questions but a few of them apply, then you may want to think about talking to an agent. If you want to speak to an agent in your area, take a second and complete this form. It's fast, doesn't cost anything and can provide invaluable advice.

Save $429 a year? Really?

Consumers in Massachusetts get pounded daily by advertisements for cheaper car insurance by companies like Allstate, GEICO and Progressive. All the companies say the same thing that you'll save big after switching to them.

How can each company claim to save you money?

Insurance companies have a certain "appetite" for the type of driver that earns them a profit. A good example of a profitable customer might be a mature driver, owns a home, and drives less than 10,000 miles a year. Any new insured who fits that profile will qualify for the lowest rates and is almost guaranteed to save when they switch companies.

Potential customers who don't qualify for the requirements must pay higher prices which usually ends up with the customer not buying. The ad wording is "people who switch" but not "drivers who get quotes" save money. That is how companies can advertise the way they do.

This illustrates why drivers should compare many company's rates. It's just too difficult to predict which company will provide you with the cheapest rates.

For more Massachusetts car insurance information

Much more information about car insurance in Massachusetts can be read on the Massachusetts Division of Insurance website through this link. Visitors are able to report car insurance fraud, read consumer alerts, and learn about insurance regulations.

In the end, you save

Discount car insurance can be bought both online and with local Brighton insurance agents, and you need to price shop both so you have a total pricing picture. Some car insurance companies do not offer you the ability to get quotes online and usually these small insurance companies provide coverage only through local independent agents.

As you go through the steps to switch your coverage, it's a bad idea to skimp on coverage in order to save money. In too many instances, an insured cut full coverage and found out when filing a claim that the savings was not a smart move. Your focus should be to get the best coverage possible at an affordable rate while not skimping on critical coverages.

Consumers change insurance companies for many reasons like lack of trust in their agent, policy cancellation, denial of a claim and even high rates after DUI convictions. No matter why you want to switch, finding the right car insurance provider is less work than it seems.