How to Get Cheaper Chicopee Auto Insurance

Finding lower rates for Chicopee auto insurance is hard for beginners to buying insurance online. There are so many choices that it can easily become a big hassle to find lower rates in Chicopee.

It's important to check auto insurance prices once or twice a year because prices are constantly changing. Despite the fact that you may have had the lowest price on your last policy the chances are good that you can find a lower rate today. Ignore everything you know about auto insurance because I'm going to let you in on the secrets to one of the best ways to get good coverage at a lower rate.

Be sure to get all your discounts

Companies that sell car insurance don't list all their discounts in an easy-to-find place, so we researched both the well known as well as the least known auto insurance savings. If they aren't giving you every credit available, you're paying more than you need to.

Save with a New Car - Insuring a new car can be considerably cheaper because new vehicles have to meet stringent safety requirements.
Payment Method - If you pay your bill all at once instead of paying each month you can actually save on your bill.
Senior Citizens - Mature drivers may be able to get reduced rates.
Multiple Vehicles - Buying insurance for multiple vehicles on the same auto insurance policy may reduce the rate for each vehicle.
One Accident Forgiven - A few companies will forgive one accident before raising your premiums as long as you don't have any claims for a set time period.

Keep in mind that most credits do not apply to the entire cost. Some only reduce individual premiums such as collision or personal injury protection. So even though they make it sound like adding up those discounts means a free policy, it just doesn't work that way.

To see a list of companies who offer auto insurance discounts in Chicopee, follow this link.

Comprehensive Auto Insurance Comparison in Chicopee

There are several ways you can shop for auto insurance and some are easier and takes less work. You can waste a lot of time discussing policy coverages with agents in Chicopee, or you could save time and use online quoting to accomplish the same thing much quicker.

Many insurance companies participate in an industry program that allows shoppers to submit one quote, and each company then returns a price quote based on that data. This eliminates the need for quotation requests to each individual auto insurance company.

To submit your quote information now, click to open in new window.

One minor caviat to pricing coverage this way is that you can't choose which carriers you want to price. So if you want to select from a list of companies for rate comparison, we have assembled a list of auto insurance companies in Massachusetts. Click to view list.

Which method you use is up to you, but double check that you are using the exact same coverage information with every price quote. If you have unequal deductibles or liability limits it will be impossible to find the best deal in Chicopee.

What determines how much you pay?

An important part of buying insurance is that you know some of the elements that help determine the rates you pay for auto insurance. Understanding what influences your rates allows you to make educated decisions that may reward you with much lower annual insurance costs.

The following are a partial list of the pieces companies use to determine rates.

Pleasure use saves money - Driving more miles every year the more you will pay for auto insurance. Most companies charge to insure your cars based on their usage. Vehicles used primarily for pleasure use receive lower rates compared to those used for work or business. Double check that your auto insurance coverage is showing the proper vehicle usage, because improper ratings can cost you money.
Equipment add-ons that lower auto insurance rates - Driving a car with an alarm system can save you a little every year. Theft prevention features such as GM's OnStar, tamper alarm systems and vehicle immobilizers all hinder your car from being stolen.
Mature drivers pay less - Mature drivers are viewed as being more responsible, statistically cause fewer accidents and are safer drivers. Youthful drivers are known to be less responsible in a vehicle therefore auto insurance rates are much higher.
Do you have enough liability coverage? - Liability coverage will protect you if ever you are found liable for damages from an accident. It provides legal defense which can be incredibly expensive. This coverage is very inexpensive when compared with rates for comp and collision, so buy as much as you can afford.
Men pay higher rates - The statistics show that men are more aggressive behind the wheel. However, this does not mean women are better drivers. Both sexes have accidents in similar numbers, but the males have costlier accidents. They also get cited for more serious violations like DUI and reckless driving. Young males are most likely to cause an accident and therefore have the most expensive auto insurance rates.
Cautious drivers pay less - Your driving citation history impacts your car insurance rates tremendously. Good drivers have lower premiums compared to drivers with tickets. Just one speeding ticket can increase rates by twenty percent. Drivers who have flagrant citations like DWI, reckless driving or hit and run convictions may need to submit a SR-22 or proof of financial responsibility to the state department of motor vehicles in order to keep their license.
Better credit means lower rates - Credit history is a important factor in your rate calculation. If your credit score is not that good, you could pay less to insure your by repairing your credit. Drivers with high credit scores tend to file fewer claims and have better driving records than those with lower credit scores.

Is there truth in advertising?

Consumers in Massachusetts can't get away from ads for the lowest price auto insurance by companies like GEICO, State Farm and Progressive. They all seem to say the same thing that you can save after switching to them.

How do they all claim to save you money?

Insurance companies can use profiling for the type of driver that is profitable for them. For instance, a desirable insured might be over the age of 40, has no tickets, and has great credit. A customer getting a price quote who fits that profile will get very good rates and is almost guaranteed to cut their rates substantially.

Potential customers who don't measure up to the "perfect" profile will have to pay a more expensive rate which usually ends up with the customer not buying. The ads say "customers that switch" but not "drivers who get quotes" save money. That's why insurance companies can advertise the savings. Because of the profiling, drivers must get quotes from several different companies. It's impossible to know the company that will fit your personal profile best.

Best coverage at the best price

When you buy insurance online, never reduce coverage to reduce premium. In many instances, an insured dropped liability coverage limits only to discover later that the few dollars in savings costed them thousands. The ultimate goal is to find the BEST coverage at a price you can afford.

Consumers change insurance companies for a number of reasons such as delays in paying claims, unfair underwriting practices, not issuing a premium refund or lack of trust in their agent. Regardless of your reason, choosing a new insurance company is actually quite simple.

Affordable auto insurance can be bought both online and with local Chicopee insurance agents, and you need to comparison shop both to have the best rate selection. There are still a few companies who do not offer the ability to get a quote online and most of the time these small, regional companies sell through independent agents.

More Massachusetts auto insurance information

Additional detailed information is located at the Massachusetts Division of Insurance website. Visitors are able to file complaints about an insurance agent or broker, view a list of available companies, and read enforcement actions against agents and companies.