Free Guide to Spending Less for Dighton Auto Insurance Online

Did you fall for a flashy sales pitch and buy an overpriced auto insurance policy? Trust us, you're not alone. Numerous battle for your insurance dollar, so it can be very hard to choose a and get the best coverage at the lowest rate

If you have insurance now or are shopping for new coverage, you can learn to shop for the lowest rates while maintaining coverages. Choosing the best insurance company for you in Dighton is quite easy. Massachusetts drivers only need an understanding of the proper way to find the lowest price online.

Don't pay full price with these discounts

Insurance can cost an arm and a leg, but companies offer discounts that you may not even be aware of. Some trigger automatically when you quote, but a few need to be specifically requested before you get the savings. If they aren't giving you every credit possible, you are throwing money away.

Clubs and Organizations - Being a member of certain professional organizations could trigger savings when buying auto insurance.
Homeowners Discount - Owning a home in Dighton may earn you a small savings because owning a home is proof that your finances are in order.
Passive Restraints - Vehicles equipped with air bags and/or automatic seat belt systems can get savings of up to 25% or more.
Fewer Miles Equal More Savings - Driving fewer miles can earn better rates on cars that stay parked.
Federal Government Employee - Active or retired federal employment can save as much as 8% depending on your company.
No Claims - Drivers with accident-free driving histories can save substantially when compared with drivers who are more careless.
Military Discounts - Having a family member in the military could mean lower rates.

It's important to understand that most discount credits are not given to all coverage premiums. A few only apply to specific coverage prices like physical damage coverage or medical payments. So even though they make it sound like all the discounts add up to a free policy, it doesn't quite work that way. Any qualifying discounts will cut your premiums.

The auto insurance bait and switch

Consumers in Massachusetts get pounded daily by advertisements that promise big savings from companies such as Allstate, GEICO and Progressive. All the companies make the same claim of big savings if you switch your policy.

How do they all claim to save you money? It's all in the numbers.

All companies are able to cherry pick for the right customer that earns them a profit. For example, a profitable customer might be between 25 and 40, has no driving citations, and has excellent credit. A customer getting a price quote who matches those parameters receives the best rates and therefore will cut their rates substantially.

Drivers who don't measure up to the "perfect" profile must pay a higher premium which leads to the customer not buying. Company advertisements say "customers who switch" not "everyone that quotes" save that kind of money. That's the way insurance companies can confidently make those claims.

This illustrates why you should get as many quotes as possible. It's impossible to know which auto insurance company will have the lowest rates.

Learn more about Massachusetts auto insurance

Additional auto insurance information can be found on the website for the Massachusetts Division of Insurance found here. Visitors are able to find out which companies have the most complaints, report car insurance fraud, file complaints about a company, and discover disciplinary actions.

And the best car insurance company is...

Low-cost auto insurance is available both online in addition to many Dighton insurance agents, so you should compare both to have the best selection. Some companies do not provide you the ability to get quotes online and usually these regional insurance providers provide coverage only through local independent agents.

We covered some good ideas how to reduce auto insurance prices online. The key thing to remember is the more rate comparisons you have, the better chance you'll have of finding lower rates. You may be surprised to find that the most savings is with a small mutual company. Regional companies can often provide lower rates in certain areas as compared to the big name companies such as .