Chelsea Car Insurance For Less Than You're Paying Now

Finding the cheapest Chelsea car insurance online is rather challenging for consumers not familiar with comparison shopping online. Because there are so many companies competing online, how can you even start to compare every company to locate the lowest price?

It's important to do rate comparisons yearly due to the fact that insurance rates are constantly changing. Even if you got the best price a few years ago you will most likely find a better rate today. Ignore everything you know about car insurance because I'm going to let you in on the secrets to the tricks you need to know to get good coverage at a lower rate.

If you currently have car insurance, you will be able to lower your premiums substantially using this information. The purpose of this article is to teach you how to effectively get price quotes and some money-saving tips. Although Massachusetts consumers do need to know the way companies price insurance differently and apply this information to your search.

How much can you save with discounts?

Auto insurance companies don't always publicize every available discount in an easy-to-find place, so we took the time to find both the well known as well as the least known discounts you could be receiving.

  • Anti-lock Brakes - Cars that have steering control and anti-lock brakes can reduce accidents and will save you 10% or more.
  • Life Insurance Discount - Companies who offer life insurance give lower rates if you buy life insurance from them.
  • Driver Safety - Taking a defensive driving course could cut 5% off your bill if you qualify.
  • Anti-theft System - Vehicles with anti-theft systems can help prevent theft and will save you 10% or more.
  • Multiple Vehicles - Buying insurance for multiple vehicles on one policy may reduce the rate for each vehicle.
  • Save with a New Car - Buying coverage on a new vehicle is cheaper compared to insuring an older model.
  • Payment Method - By paying your policy upfront instead of monthly or quarterly installments you can actually save on your bill.

A little note about advertised discounts, some of the credits will not apply to your bottom line cost. A few only apply to individual premiums such as comprehensive or collision. So when it seems like you could get a free car insurance policy, you won't be that lucky.

Chelsea car insurance quote

How much car insurance do I need?

When it comes to buying the right insurance coverage for your personal vehicles, there is no perfect coverage plan. Everyone's needs are different.

For example, these questions can help discover if your insurance needs might need an agent's assistance.

  • Can I get a multi-policy discount for packaging my home and auto coverage?
  • When does my teenage driver need to be added to my policy?
  • What happens if I owe more than my vehicle is worth?
  • Should I rate my vehicle as pleasure use or commute?
  • What are Massachusetts no-fault laws?
  • Do I need special endorsements for business use of my vehicle?
  • Am I covered when driving on a suspended license?

If you can't answer these questions but you know they apply to you, you might consider talking to an agent. To find an agent in your area, fill out this quick form.

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

Companies like Allstate and Progressive continually stream television and radio advertisements. All the ads have a common claim about savings after switching to them. How do they all claim to save you money?

Different companies have a preferred profile for the type of driver that earns them a profit. For example, a preferred risk might be between the ages of 30 and 50, has no prior claims, and has a short commute. Any driver that hits that "sweet spot" receives the best rates and is almost guaranteed to cut their rates substantially.

Potential insureds who don't meet the "perfect" profile will be charged more money and this can result in the customer not buying. Company advertisements say "customers that switch" but not "drivers who get quotes" save money. This is how companies can truthfully make the claims of big savings. That is why you should quote coverage with many companies. You cannot predict which insurance companies will fit your personal profile best.

Even more information can be found at the Massachusetts Division of Insurance website. Visitors are able to find out industry alerts, view agent and company licensing information, and file complaints about an insurance agent or broker.

Massachusetts car insurance quotes

The best insurance company isn't always the cheapest

As you shop your coverage around, you should never buy lower coverage limits just to save a few bucks. Too many times, consumers will sacrifice physical damage coverage only to discover later that saving that couple of dollars actually costed them tens of thousands. The aim is to buy enough coverage at a price you can afford, not the least amount of coverage.

The cheapest car insurance can be purchased both online and with local Chelsea insurance agents, and you should compare price quotes from both in order to have the best chance of saving money. Some insurance providers do not offer you the ability to get quotes online and many times these regional insurance providers only sell through independent insurance agents.

Drivers change insurance companies for a number of reasons such as policy cancellation, delays in paying claims, delays in responding to claim requests and even lack of trust in their agent. It doesn't matter what your reason, choosing a new insurance company is less work than it seems.