7 Tips Shown to Slash the Cost of Car Insurance Costs in Brimfield

Nobody likes having to buy car insurance, particularly when their premiums are too high.

Drivers have so many to pick from, and although it's a good thing to have multiple companies, too many choices makes it more difficult to compare rates.

It's important to compare prices periodically since rates are constantly changing. If you had the lowest price a few years ago a different company probably has better rates today. Block out anything you think you know about car insurance because we're going to demonstrate the fastest and easiest way to eliminate unnecessary coverages and save money.

How much can you save with these seven discounts?

The price of auto insurance can be rather high, but discounts can save money and there are some available that can drop the cost substantially. Certain discounts will be applied when you purchase, but less common discounts must be manually applied before being credited.

Bundle and Save - If you have multiple policies with one company you may earn up to 20% off your total premium.
Passive Restraints - Factory air bags or motorized seat belts may earn rate discounts of 20% or more.
Federal Employees - Active or retired federal employment can save as much as 8% with select insurance companies.
Auto/Life Discount - Companies who offer life insurance give a discount if you purchase a life insurance policy as well.
Clubs and Organizations - Being a member of a qualifying organization could trigger savings on car insurance.
Good Student - Performing well in school can get you a discount of up to 25%. Earning this discount can benefit you up to age 25.
Defensive Driving Course - Completing a defensive driving course can save you 5% or more if you qualify.

As a disclaimer on discounts, most discount credits are not given to the entire policy premium. A few only apply to specific coverage prices like collision or personal injury protection. So when the math indicates you can get free auto insurance, car insurance companies aren't that generous. Any amount of discount will bring down the amount you have to pay.

How much car insurance do I need?

When it comes to buying the best car insurance coverage for your vehicles, there isn't really a "best" method to buy coverage. Every situation is different so this has to be addressed. For example, these questions may help highlight if your insurance needs might need an agent's assistance.

What are the best liability limits?
Should I drop comprehensive coverage on older vehicles?
Do I have coverage for damage caused while driving under the influence?
When does my teenage driver need to be added to my policy?
What happens if I owe more than my vehicle is worth?
Am I getting all the discounts available?

If it's difficult to answer those questions but a few of them apply, you may need to chat with an insurance agent. To find an agent in your area, fill out this quick form or you can go here for a list of companies in your area.

Save 15 percent in 15 minutes? Is it for real?

Car insurance companies such as GEICO, State Farm and Progressive regularly use television and radio advertisements. They all seem to make the same claim about savings if you move your coverage to them. How does each company claim to save you money? It's all in the numbers.

All companies have a certain "appetite" for the type of customer that earns them a profit. For instance, a desirable insured might be between the ages of 30 and 50, a clean driving record, and drives less than 7,500 miles a year. Any new insured who matches those parameters receives the best rates and is almost guaranteed to save when switching.

Consumers who don't meet these standards will have to pay higher prices which leads to the customer not buying. Company advertisements say "customers who switch" but not "drivers who get quotes" save that much money. That is how companies can truthfully advertise the way they do.

Because of the profiling, drivers should get quotes from several different companies. It's just too difficult to predict which company will provide you with the cheapest rates.

Additional information is located on the website for the Massachusetts Division of Insurance found here. Visitors are able to view agent and company licensing information, find out industry alerts, download brochures, and file complaints about an insurance agent or broker.

Also read more on Wikipedia and this Brimfield agent directory.

Affordable insurance is out there

When shopping online for car insurance, make sure you don't skimp on coverage in order to save money. In many instances, someone dropped liability coverage limits only to discover later that a couple dollars of savings turned into a financial nightmare. The ultimate goal is to buy enough coverage at the best price.

We just covered some good ideas how to reduce car insurance prices online. The key concept to understand is the more rate quotes you have, the more likely it is that you will get a better rate. Consumers could even find that the lowest rates come from some of the smallest insurance companies. Regional companies may have significantly lower rates on certain market segments compared to the large companies like .