Tightwads Tips for Saving on Canton Auto Insurance

Did you fall for a flashy sales pitch and buy an underperforming, overpriced auto insurance policy? Believe me, you're not the only one.

You have so many to buy insurance from, and even though it's nice to be able to choose, lots of choices makes it harder to compare rates.

It's important to shop coverage around at least once a year because prices are constantly changing. Just because you found the best rates last year there is a good chance you can find better rates now. There is too much inaccurate information about auto insurance on the web, but I'm going to show you some great ways to reduce your auto insurance bill.

Tips to Get Lower Canton Rates

Consumers need to have an understanding of some of the elements that help determine the price you pay for auto insurance. Knowing what impacts premium levels empowers consumers to make smart changes that may reward you with big savings.

The following are some of the items used by your company to calculate rates.

Where do you drive? - Driving more miles in a year the more you will pay for auto insurance. Almost all companies apply a rate based upon how you use the vehicle. Vehicles not used for work or commuting get more affordable rates compared to those used for work or business. Ask your agent if your auto insurance coverage shows the proper vehicle usage.
Extra coverages can waste money - There are a ton of extra coverages that you can buy on your auto insurance policy. Coverages for vanishing deductibles, towing coverage and additional equipment coverage are examples of these. These may sound like a good investment initially, but now you might not need them so eliminate them to save money.
Your spouse saves you money - Getting married can get you a discount when buying auto insurance. It translates into being more responsible and statistics show being married results in fewer claims.
Teen drivers pay high rates - Teen drivers in Massachusetts are known to be more careless when behind the wheel so they pay higher auto insurance rates. Older insureds are viewed as being more responsible, file fewer claims and are safer drivers.
Liability coverage protects you - Liability coverage provides coverage if ever a court rules you are at fault for personal injury or accident damage. It provides you with a defense in court which can cost thousands of dollars. This coverage is very inexpensive when compared with rates for comp and collision, so buy as much as you can afford.
Safer cars are cheaper to insure - Vehicles with good safety scores are cheaper to insure. These vehicles protect occupants better and lower injury rates means lower claim amounts and thus lower rates.
Occupation reflects on rates - Did you know that where you work can have an impact on rates? Jobs such as real estate brokers, architects and financial analysts have higher average rates due to high stress levels and lots of time spent at work. Conversely, occupations like actors, engineers and performers get better rates.

Quick Canton Auto Insurance Quotes

The are a couple different ways of comparing price quotes from auto insurance companies in your area. One of the best ways to find competitive insurance rates consists of shopping online. This is very easy and can be done in just a few minutes using one of these methods.

The fastest way to find low rates is a comparison rater form click here to open form in new window. This method eliminates the need for separate quotation requests to each individual auto insurance company. Completing one form gets you price quotes from auto insurance companies with the best prices.
A more difficult way to shop for auto insurance online requires visiting the website for each individual company and fill out their own quote form. For example, let's assume you want to compare rates from , and . To find out each rate you need to visit each site and enter your policy data, which is why the first method is quicker. For a list of links to companies insuring cars in Canton, click here.

It doesn't matter which method you choose, just compare identical quote information for every quote you compare. If you have mixed coverages then you won't be able to determine the best price in Canton. Just a small difference in coverages may result in large price differences. Just keep in mind that comparing more company's prices helps locate the best offered rates.

Policy discounts you shouldn't miss

The price of auto insurance can be rather high, buy you may qualify for discounts that you may not know about. Larger premium reductions will be automatically applied at the time of purchase, but some may not be applied and must be asked for prior to receiving the credit.

Discount for Life Insurance - Companies who offer life insurance give a discount if you purchase auto and life insurance together.
Drive Less and Save - Fewer annual miles could qualify for lower rates on the low mileage vehicles.
Sign Online - A handful of insurance companies will discount your bill up to fifty bucks for buying your policy over the internet.
Save over 55 - If you're over the age of 55, you may be able to get a small decrease in premiums.
Organization Discounts - Participating in a qualifying organization could qualify you for a break on auto insurance.
Lower Rates for Military - Having a deployed family member may qualify for rate reductions.

As a disclaimer on discounts, most credits do not apply the the whole policy. Some only reduce specific coverage prices like collision or personal injury protection. So even though they make it sound like having all the discounts means you get insurance for free, auto insurance companies aren't that generous. Any amount of discount will bring down the amount you have to pay.

To choose companies who offer auto insurance discounts in Massachusetts, follow this link.

Save $429 a year? Really?

Auto insurance companies such as GEICO, State Farm and Progressive continually stream television and radio advertisements. They all seem to say the same thing about savings after switching your coverage to them. How does each company make almost identical claims? It's all in the numbers.

All the different companies are able to cherry pick for the type of customer that makes them money. A good example of a desirable insured could possibly be a mature driver, has no tickets, and drives newer vehicles. A customer getting a price quote who fits that profile will get very good rates and is almost guaranteed to save when switching.

Potential customers who don't qualify for these standards will have to pay higher prices which usually ends up with the driver buying from a lower-cost company. The ads say "customers who switch" but not "drivers who get quotes" save that much money. That's the way companies can truthfully claim big savings.

Because of the profiling, you need to quote coverage with many companies. It's impossible to know which auto insurance company will give you the biggest savings.

Additional information can be read on the website for the Massachusetts Division of Insurance found here. Massachusetts consumers can file complaints about an insurance agent or broker, discover disciplinary actions, get help finding coverage, and read enforcement actions against agents and companies.

Shop smart and save

When trying to cut insurance costs, it's very important that you do not reduce coverage to reduce premium. In many instances, an insured dropped full coverage and found out when filing a claim that it was a big mistake. The ultimate goal is to find the BEST coverage at the best price.

Cheap auto insurance can be sourced online as well as from independent agents in Canton, and you need to price shop both so you have a total pricing picture. A few companies don't offer online price quotes and most of the time these small insurance companies sell through independent agents.