9 Best Tricks to Cut Car Insurance Costs in Chelmsford

No one looks forward to paying for car insurance, particularly when the cost is way too high.

Big companies like State Farm, Allstate, GEICO and Progressive continually hit you with advertising and it can be hard to sift through the bull and effectively compare rates to find the best deal.

It's important to price shop coverage occasionally since rates are constantly changing. Just because you found the best price a few years ago the chances are good that you can find a lower rate today. Forget anything you know (or think you know) about car insurance because you're about to find out the quickest way to get good coverage at a lower rate.

If you have car insurance now, you stand a good chance to be able to lower your premiums substantially using this strategy. Finding the best rates in Chelmsford is not that difficult. Although Massachusetts consumers do need to know how companies sell online and apply this information to your search.

These nine discounts can lower your rates

Car insurance companies don't always list every available discount in a way that's easy to find, so we took the time to find both the well known as well as the least known car insurance savings.

Anti-lock Brake Discount - Anti-lock brake equipped vehicles can avoid accidents and therefore earn up to a 10% discount.
Anti-theft Discount - Anti-theft and alarm systems help deter theft and will save you 10% or more.
Memberships - Being a member of a civic or occupational organization could qualify you for a break on your policy.
Pay Now and Pay Less - If you pay your bill all at once instead of paying each month you could save 5% or more.
Save with a New Car - Buying coverage on a new vehicle can be considerably cheaper since new cars are generally safer.
E-sign - Certain companies may give you up to $50 for buying your policy digitally online.
Homeowners Savings - Being a homeowner may trigger a car insurance policy discount because maintaining a house is proof that your finances are in order.
Multiple Cars - Buying coverage for all your vehicles on the same car insurance policy may reduce the rate for each vehicle.

A little note about advertised discounts, most credits do not apply to your bottom line cost. Most cut individual premiums such as comprehensive or collision. So despite the fact that it appears all the discounts add up to a free policy, you won't be that lucky.

To see a list of providers with discount car insurance rates in Chelmsford, follow this link.

Finding Car Insurance Deals in Chelmsford, MA

Most companies provide coverage price quotes online. Getting quotes doesn't take a lot of time as you simply enter your coverage preferences as detailed in the form. Once you submit the form, the system will obtain your credit score and driving record and quotes a price based on many factors. Online quotes makes it a lot easier to compare rates but having to visit many different websites and type in the same information is not the best way to spend an afternoon. But it's very important to compare as many rates as possible if you want to find better car insurance pricing.

The preferred way to get multiple rate quotes is to use a quote form to return rates from more than one company. The form is fast, reduces the work, and makes online shopping a lot less work. As soon as you send your information, it gets priced with multiple companies and you can pick your choice of the price quotes you receive. If a lower price is quoted, it's easy to complete the application and purchase coverage. The whole process takes 15 minutes at the most and you will find out if you're overpaying now.

To find out what other companies charge, click here to open in new window and submit your coverage information. If you currently have coverage, we recommend you input the limits and deductibles as close as possible to your current policy. This makes sure you will be getting a fair comparison based on the exact same insurance coverage.

Different people need different coverages

When choosing the right insurance coverage for your vehicles, there really is not a "best" method to buy coverage. Everyone's needs are different and a cookie cutter policy won't apply. For instance, these questions might point out whether you would benefit from an agent's advice.

Can I get a multi-policy discount for packaging my home and auto coverage?
Do I need special endorsements for business use of my vehicle?
Am I getting all the discounts available?
Are my tools covered if they get stolen from my vehicle?
Who is covered when they drive my vehicle?
Do I have any recourse if my insurance company denies a claim?
What can I do if my company won't pay a claim?

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 agent. If you don't have a local agent, fill out this quick form or click here for a list of car insurance companies in your area.

Are you falling for claims of savings?

Companies like Allstate and Progressive consistently run ads on television and other media. All the ads say the same thing about savings if you change your policy. How can each company claim to save you money?

All companies have a certain "appetite" for the right customer that is profitable for them. For example, a preferred risk might be between 25 and 40, owns a home, and drives less than 7,500 miles a year. Any new insured who fits that profile gets the lowest rates and as a result will probably save when they switch companies.

Consumers who are not a match for the requirements will be charged higher prices which usually ends up with the customer not buying. The ads say "customers that switch" not "everybody who quotes" save that kind of money. That is how companies can truthfully advertise the way they do. That is why drivers must compare as many rates as you can. It's just too difficult to predict which company will provide you with the cheapest rates.

The best insurance company isn't always the cheapest

When shopping online for car insurance, it's not a good idea to reduce coverage to reduce premium. Too many times, an insured cut physical damage coverage only to discover later that a couple dollars of savings turned into a financial nightmare. The aim is to purchase plenty of coverage at a price you can afford, not the least amount of coverage.

The cheapest car insurance can be sourced both online in addition to many Chelmsford insurance agents, so you should compare both in order to have the best price selection to choose from. Some car insurance companies do not provide the ability to get a quote online and many times these regional insurance providers only sell through independent insurance agents.

For more Massachusetts car insurance information

Even more information can be found at the Massachusetts Division of Insurance website. Visitors are able to find out industry alerts, read consumer alerts, find out which companies have the most complaints, and view a list of available companies.