6 Simple Tips to Reduce Car Insurance Costs in Dudley, MA
Are you overwhelmed by the wide range of car insurance companies in Dudley? Lot's of other consumers are too. There are so many companies to choose from that it can turn into more work than you anticipated to find the best price.
More discounts equal less premium
Companies offering auto insurance don't always publicize all available discounts very well, so the following is a list of both the well known and also the lesser-known ways to save on car insurance.
- Fewer Miles Equal More Savings - Low mileage vehicles could qualify for better rates on cars that stay parked.
- Multiple Cars - Having all your vehicles with the same company can get a discount on all vehicles.
- Auto/Life Discount - Some companies give a break if you buy life insurance.
- Safety Course Discount - Successfully completing a defensive driving course could possibly earn you a 5% discount if your company offers it.
- Passive Restraints - Vehicles equipped with air bags and/or automatic seat belt systems can receive discounts up to 30%.
- Organization Discounts - Being a member of a professional or civic organization could trigger savings when buying car insurance.
Keep in mind that most discount credits are not given the the whole policy. Most only reduce specific coverage prices like liability and collision coverage. So when it seems like all the discounts add up to a free policy, it just doesn't work that way.
To choose insurers with discount car insurance rates in Massachusetts, click this link.
Switch companies and save? Really?
21st Century, Allstate and State Farm consistently run ads in print and on television. All the companies make the same claim that you can save if you change to their company. But how can every company claim to save you money? It's all in the numbers.
Insurance companies are able to cherry pick for the driver that makes them money. A good example of a profitable customer might be between the ages of 30 and 50, has no tickets, and has a short commute. Any new insured who matches those parameters will get the preferred rates and therefore will save a lot of money.
Consumers who do not match this ideal profile must pay higher prices which leads to the customer not buying. The ads state "customers who switch" not "everyone that quotes" save that much. That's the way insurance companies can make the claims of big savings. This illustrates why you should get as many quotes as possible. It's just too difficult to predict which car insurance company will fit your personal profile best.
Find out more about car insurance
Additional detailed information can be read at the Massachusetts Division of Insurance website. Visitors are able to find disaster information, report car insurance fraud, and view agent and company licensing information.
Other informative sites include this resource for Massachusetts car insurance prices and this page of Dudley insurance agents.
The best insurance company isn't always the cheapest
Affordable car insurance can be sourced both online and also from your neighborhood Dudley agents, and you should compare price quotes from both in order to have the best price selection to choose from. Some insurance providers may not provide online price quotes and usually these small insurance companies provide coverage only through local independent agents.
As you shop your coverage around, do not buy poor coverage just to save money. There are a lot of situations where an insured dropped full coverage and found out when filing a claim that saving that couple of dollars actually costed them tens of thousands. The proper strategy is to get the best coverage possible at the best price while not skimping on critical coverages.
We just covered some good ideas how to save on car insurance. It's most important to understand that the more companies you get rates for, the higher your chance of finding lower rates. You may be surprised to find that the lowest rates come from a small mutual company.
