Easy Tips to Cut Costs on Cohasset Auto Insurance

Finding the best price on Cohasset auto insurance can be complicated if you've never compared online price comparisons. But relax because using the internet to shop for auto insurance is actually quite easy.

Auto Insurance Comparison Rates in Cohasset, MA

Effectively comparing auto insurance prices can take time and effort if you don't know the easiest way. You could spend your day discussing policy coverages with local insurance agents in Cohasset, or you can utilize the internet to get prices fast.

All the larger companies participate in a marketplace that allows shoppers to submit their information once, and at least one company returns a competitive quote for coverage. This saves time by eliminating quotation requests to each individual auto insurance company.

To submit your quote information now, click here (opens in new window).

The single downside to getting quotes like this is that consumers can't choose which companies to get quotes from. So if you prefer to choose specific insurance companies to request quotes from, we put together a list of low cost auto insurance companies in Massachusetts. Click to view list.

It's up to you which method you use, but be sure to compare identical quote information for each comparison quote. If you use mixed coverages it will be next to impossible to determine the lowest rate in Cohasset. Quoting even small variations in coverages could mean much higher rates. Keep in mind that having more price comparisons helps you find the best offered rates.

Understand what determines the rate you pay

It's important that you understand the different types of things that help determine auto insurance rates. Knowing what impacts premium levels helps enable you to make changes that will entitle you to big savings.

  • More claims means more premium - Companies in Massachusetts award lower rates to insureds who do not rely on their insurance for small claims. If you file claims often, you can pretty much guarantee either a policy non-renewal or much higher rates. Insurance coverage is intended to be relied upon for larger claims.
  • A clean driving record saves money - Even one citation may increase your cost by twenty percent. Drivers with clean records receive lower rates compared to drivers with tickets. If you have flagrant violations like hit and run, DWI or reckless driving convictions may find they need to submit a SR-22 or proof of financial responsibility with the DMV in their state in order to keep their license.
  • Pay less if you're married - Having a wife or husband can get you a discount on your policy. Having a significant other usually means you are more responsible and it's statistically proven that married couples file fewer claims.
  • More miles equals more premium - Driving more miles each year the higher your rate. The majority of insurers price each vehicle's coverage based upon how you use the vehicle. Cars and trucks not used for work or commuting receive lower rates compared to those used for work or business. Ask your agent if your auto insurance coverage shows the proper vehicle usage, because improper ratings can cost you money.

Be sure to get all your discounts

Properly insuring your vehicles can get expensive, but companies offer discounts that you may not know about. A few discounts will automatically apply when you purchase, but a few must be requested specifically before being credited.

  • Federal Employees - Simply working for the federal government may qualify you for a discount with a few auto insurance companies.
  • Good Student - Getting good grades can be rewarded with saving of up to 25%. Earning this discount can benefit you well after school through age 25.
  • Accident Forgiveness - Certain companies permit an accident without raising rates if your claims history is clear for a particular time prior to the accident.
  • New Vehicle Savings - Buying coverage on a new vehicle can save up to 30% due to better safety requirements for new cars.
  • Seat Belts Save - Using a seat belt and requiring all passengers to buckle their seat belts could cut 10% or more off your medical payments premium.
  • No Claims - Good drivers with no accidents pay much less when compared to frequent claim filers.

As a disclaimer on discounts, most discount credits are not given to the entire policy premium. Most only apply to the cost of specific coverages such as comp or med pay. So when the math indicates 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.

For a list of insurance companies who offer auto insurance discounts in Massachusetts, click here to view.

How do I know if I need professional advice?

When it comes to choosing the best auto insurance coverage for your vehicles, there isn't really a single plan that fits everyone. Each situation is unique.

For example, these questions may help highlight whether or not you might need professional guidance.

  • Am I covered if I drive in a foreign country?
  • Do I need to file an SR-22 for a DUI in Massachusetts?
  • I have good health insurance, so how much medical payments coverage do I need?
  • Can I still get insurance after a DUI?
  • Why am I be forced to buy a membership to get insurance from some companies?
  • Will I be non-renewed for getting a DUI or other conviction?

If you're not sure about those questions, you may need to chat with a licensed agent. To find an agent in your area, fill out this quick form.

Additional information is located on the Massachusetts Division of Insurance website through this link. Massachusetts drivers can download brochures, file complaints about a company, and get help finding coverage.

Other useful links include this site for auto insurance rates in Massachusetts and this list of insurance agents in Cohasset.

Massachusetts auto insurance

Final considerations

People change insurance companies for many reasons like extreme rates for teen drivers, poor customer service, an unsatisfactory settlement offer and delays in paying claims. Regardless of your reason, finding the right auto insurance provider is not as hard as you think.

Throughout this article, we presented some good ideas how you can lower your auto insurance rates. The most important thing to understand is the more price quotes you have, the more likely it is that you will get a better rate. Consumers may even find the best prices are with a company that doesn't do a lot of advertising.

Cheap auto insurance can be sourced on the web in addition to many Cohasset insurance agents, so compare prices from both in order to have the best price selection to choose from. Some insurance companies do not provide online quoting and these small, regional companies work with independent agents.