9 Tips Guaranteed to Slash the Cost of Car Insurance Costs in Centerville

Overpriced car insurance can dwindle your savings account and force you to prioritize other expenses. Shopping your coverage around is a smart way to cut your insurance bill.

Companies like GEICO and Progressive persitently shower you with fancy advertisements and it is difficult to sift through the bull and effectively compare rates to find the best deal.

It's important to compare rates yearly since rates are constantly changing. If you had the best deal two years ago there is a good chance you can find better rates now. Starting now, ignore everything you know about car insurance because we're going to show you the proper way to properly buy coverages and cut your premium.

Centerville car insurance comparison

Compare Car Insurance Today

There are several ways to compare rate quotes from local Centerville car insurance companies. One of the best ways to find competitive insurance rates is to get quotes online. This is very easy and can be done using a couple different methods.

  1. The fastest way to find the lowest comparison rates is to use a rate comparison form (click to open form in new window). This method saves time by eliminating multiple quote forms for every car insurance company. A single, simple form gets you coverage quotes from multiple low-cost companies.
  2. A different way to compare rate quotes consists of going to each company's website to complete a price quote. For sake of this example, let's assume you want comparison quotes from , and . To get rate quotes you would need to spend time on each company's site to enter your coverage information, which is why the first method is quicker.

    To view a list of companies in Centerville, click here.
  3. The least efficient way of comparing rate quotes is driving around to different Centerville agent offices. Buying insurance online eliminates the need for an insurance agent unless you want the professional advice of a local Centerville agent. You can, however, find lower rates online and still use a local agent and we'll cover that in a bit.

It doesn't matter which method you choose, just make sure you use exactly the same coverages for every company. If you enter different limits and deductibles on each one you can't possibly decipher which rate is best in Centerville. Just a small difference in limits may result in a large different in cost. And when comparing car insurance rates, know that getting more free quotes will improve the odds of getting lower pricing.

Take advantage of discounts

Companies that sell car insurance do not advertise all their discounts in a way that's easy to find, so here is a list some of the more common and also the lesser-known car insurance savings.

  • College Student - Children who live away from home without a vehicle on campus may qualify for this discount.
  • New Car Discount - Insuring a new car can cost up to 25% less since new cars are generally safer.
  • Use Seat Belts - Buckling up and requiring all passengers to use a seat belt could save 15% on the medical payments or PIP coverage costs.
  • Government Employees - Employees or retirees of the government can save as much as 8% with select insurance companies.
  • Anti-lock Brake Discount - Vehicles equipped with ABS or steering control prevent accidents and earn discounts up to 10%.
  • Discount for Life Insurance - Some companies give better rates if you take out a life insurance policy as well.
  • Drive Less and Save - Keeping the miles down can qualify you for lower rates on the low mileage vehicles.
  • Pay Upfront and Save - If you pay your bill all at once instead of making monthly payments you may reduce your total bill.
  • More Vehicles More Savings - Insuring multiple cars or trucks with the same company can get a discount on all vehicles.

Keep in mind that most credits do not apply to your bottom line cost. Most only cut specific coverage prices like liability, collision or medical payments. So when it seems like all the discounts add up to a free policy, it just doesn't work that way.

To choose companies with the best car insurance discounts in Centerville, follow this link.

Are car insurance companies telling the truth?

Car insurance companies such as Progressive, GEICO, Allstate and State Farm regularly use ads on TV and radio. They all seem to say the same thing that you can save if you move to their company. How can each company make the same claim? It's all in the numbers.

All companies have a preferred profile for the driver that makes them money. An example of a desirable insured could be between 25 and 40, has no prior claims, and chooses high deductibles. Any new insured who fits that profile will qualify for the lowest rates and most likely will save when they switch companies.

Potential insureds who don't qualify for the requirements will have to pay more money which usually ends up with business going elsewhere. The ad wording is "customers who switch" not "people who quote" save that much. This is how insurance companies can state the savings. Because of the profiling, you need to get quotes from several different companies. It's just too difficult to predict which insurance companies will give you the biggest savings.

How to know if you need help

When buying proper insurance coverage for your personal vehicles, there really is not a "perfect" insurance plan. Your needs are not the same as everyone else's and a cookie cutter policy won't apply. These are some specific questions can help discover whether your personal situation would benefit from an agent's advice.

  • Do I pay less if my vehicle is kept in my garage?
  • Can I still get insurance after a DUI?
  • Why am I be forced to buy a membership to get insurance from some companies?
  • Am I covered if I drive in a foreign country?
  • Can I get a multi-policy discount for packaging my home and auto coverage?
  • What happens if I owe more than my vehicle is worth?
  • Is my dog or cat covered if injured in an accident?

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 a licensed insurance agent. If you want to speak to an agent in your area, complete this form or you can go here for a list of companies in your area.

Additional detailed information is available at the Massachusetts Division of Insurance website. Consumers can read enforcement actions against agents and companies, file complaints about an insurance agent or broker, find a variety of consumer forms, and download brochures.

Massachusetts car insurance quotes

Do the work, save more money

When buying insurance coverage, it's a bad idea to reduce coverage to reduce premium. There are many occasions where consumers will sacrifice liability limits or collision coverage only to find out that their decision to reduce coverage ended up costing them more. Your aim should be to purchase a proper amount of coverage at the best price.

Affordable car insurance is definitely available from both online companies and also from your neighborhood Centerville agents, so you should compare both in order to have the best chance of saving money. Some insurance companies may not provide online price quotes and most of the time these smaller companies sell through independent agents.