Top 9 Ways to Save on Car Insurance in Dedham, MA
Are you sick and tired of being strong-armed each month for car insurance? You're in the same situation as millions of other consumers. Because there are so many options when it comes to car insurance, it can be impossible to pick the lowest price car insurance company.
It's important to check car insurance prices once or twice a year since rates are constantly changing. Even if you think you had the best rates a few years ago the chances are good that you can find a lower rate today. You can find a lot of misleading information regarding car insurance online but I'm going to show you some great ways to save money.
Locating the lowest cost car insurance in Dedham can be fairly easy. If you have a policy now or are looking for a new policy, you can follow these tips to get lower rates while maintaining coverages. Massachusetts vehicle owners just need to know the best way to buy car insurance on the web.
Are you getting all your discounts?
The cost of insuring your cars can be expensive, but there are discounts available to help bring down the price. Certain discounts will be triggered automatically at the time of purchase, but some may not be applied and must be manually applied prior to receiving the credit. If you don't get every credit available, you're paying more than you need to.
- Senior Citizens - Mature drivers may receive reduced rates.
- Driver's Ed - Have your child complete a driver education course if offered at their school.
- Safety Course Discount - Taking a defensive driving course could save 5% or more and easily recoup the cost of the course.
- Braking Control Discount - Anti-lock brake equipped vehicles can avoid accidents and therefore earn up to a 10% discount.
- Bundle and Save - When you combine your home and auto insurance with one insurance company you will save 10% to 20% off each policy.
- Good Students Pay Less - A discount for being a good student can save 20 to 25%. The good student discount can last up until you turn 25.
- Save with a New Car - Adding a new car to your policy can be considerably cheaper compared to insuring an older model.
- Pay Now and Pay Less - If paying your policy premium upfront instead of paying each month you can actually save on your bill.
- Sign Online - Some insurance companies may give you up to $50 for buying a policy and signing up online.
Drivers should understand that most discount credits are not given to the entire cost. Most only cut the cost of specific coverages such as liability, collision or medical payments. Just because it seems like you could get a free car insurance policy, companies wouldn't make money that way. But all discounts will help reduce the cost of coverage.
To see a list of companies with discount car insurance rates in Massachusetts, click this link.
Fast and Easy Dedham Car Insurance Quotes
Most companies give prices for coverage directly from their websites. Getting quotes is fairly straightforward as you just type in the amount of coverage you want as detailed in the form. Once you submit the form, the system will obtain your credit score and driving record and generates pricing information. This makes comparing rates easy, but the time it takes to visit many different websites and enter the same data into a form can get tiresome after awhile. But it's very important to compare as many rates as possible in order to get the best price on car insurance.
The easy way to compare rates
The preferred way to find cheaper rates is to use a quote form that gets price quotes from multiple companies. The form is fast, reduces the work, and makes price shopping online much more enjoyable and efficient. After sending the form, your coverage is rated with multiple companies and you can pick any or none of the price quotes you receive.
If the quotes result in lower rates, you simply finish the application and purchase the new policy. This process can be completed in a matter of minutes and you will know how your current rates stack up.
To find out if lower rates are available, click here to open in new window and begin entering your coverage information. If you have your current policy handy, we recommend that you enter the coverage information just like they are on your policy. This makes sure you will get rate quotes based on the exact same insurance coverage.
How can Progressive, GEICO, Allstate and State Farm save drivers who switch?
Consumers in Massachusetts can't get away from ads for the lowest price auto insurance by companies like Progressive, GEICO, Allstate and State Farm. They all seem to make the same claim that you'll save big if you change to them.
But how can every company claim to save you money?
Different companies can use profiling for the type of driver that is profitable for them. A good example of a desirable insured might be between the ages of 40 and 55, has no tickets, and has a short commute. Any new insured who matches those parameters will qualify for the lowest rates and as a result will probably save a lot of money.
Potential customers who are not a match for this ideal profile will have to pay higher prices which leads to the customer not buying. The ad wording is "people who switch" not "everybody who quotes" save money. That's why companies can make the claims of big savings.
Because of the profiling, drivers must get as many comparisons as possible. It's just too difficult to predict the company that will fit your personal profile best.
And the best car insurance company is...
As you shop your coverage around, do not reduce coverage to reduce premium. There are many occasions where an insured dropped collision coverage and discovered at claim time that saving that couple of dollars actually costed them tens of thousands. Your aim should be to purchase a proper amount of coverage at an affordable rate.
Budget-conscious car insurance is attainable both online and with local Dedham insurance agents, so you should be comparing quotes from both so you have a total pricing picture. Some insurance providers do not offer the ability to get a quote online and most of the time these small insurance companies sell through independent agents.
Much more information about car insurance in Massachusetts can be read on the website for the Massachusetts Division of Insurance through this link. Visitors are able to learn about insurance regulations, view a list of available companies, discover disciplinary actions, and find out industry alerts.
Additional helpful sites include this Car Insurance FAQ and this page of insurance agents in Dedham.
