10 Best Tips to Cut Car Insurance Costs in East Boston

Expensive car insurance can empty your savings account and put the squeeze on your family's finances. Comparison shopping is a smart way to make sure you're not throwing money away.

With so many choices of insurance companies, it can be challenging to pick the most cost effective insurer.

It's important to do rate comparisons quite often since rates are constantly changing. Just because you found the best price two years ago you can probably find a lower rate today. Ignore everything you know about car insurance because you're about to learn the quickest way to find better coverage at a better price.

Massachusetts car insurance

How to Buy East Boston Car Insurance Online

Most companies provide pricing online. Getting quotes is pretty easy as you simply enter your coverage information as detailed in the form. When the form is submitted, the system will obtain your driving and credit reports and returns pricing information determined by many factors. This makes comparing rates easy, but the time it takes to visit many different websites and complete many quote forms can be a bit repetitive. But it's very important to do this if you want to find better car insurance pricing.

Quote rates the easy way

A quicker way to locate the lowest prices is to use a quote form that analyzes rates from several different companies. The form is fast, eliminates repetitive work, and makes online quotes much more efficient. As soon as the form is sent, it gets priced with multiple companies and you can pick any or none of the quotes returned.

If the quotes result in lower rates, you simply finish the application and buy the policy. The whole process takes 15 minutes at the most and you'll know if lower rates are available.

To find out what other companies charge, click here to open in new window and begin entering your coverage information. If you currently have coverage, we recommend you replicate coverages and limits identical to your current policy. This ensures you will have rate quotes for similar insurance coverage.

These ten discounts can lower your rates

Car insurance can cost a lot, but you may find discounts that you may not know about. Larger premium reductions will be automatically applied at the time you complete a quote, but less common discounts must be specially asked for prior to getting the savings.

  • Good Student Discount - A discount for being a good student can get you a discount of up to 25%. This discount can apply up until you turn 25.
  • Senior Citizens - Mature drivers may receive reduced rates.
  • Multiple Cars - Buying coverage for all your vehicles on the same car insurance policy could earn a price break for each car.
  • Anti-lock Brake Discount - Anti-lock brake equipped vehicles can avoid accidents and therefore earn up to a 10% discount.
  • Multi-policy Discount - When you combine your home and auto insurance with one insurance company you could get a discount of up to 20% off your total premium.
  • Anti-theft Discount - Anti-theft and alarm systems are stolen less frequently and qualify for as much as a 10% discount.
  • Own a Home - Being a homeowner may trigger a car insurance policy discount because maintaining a house is proof that your finances are in order.
  • Government Employees - Being employed by or retired from a federal job can save as much as 8% with certain companies.
  • Discount for Life Insurance - Companies who offer life insurance give a break if you buy a life insurance policy as well.
  • Resident Student - Children who attend school more than 100 miles from home and don't have a car can be insured at a reduced rate.

As a disclaimer on discounts, most of the big mark downs will not be given to the overall cost of the policy. Some only apply to the cost of specific coverages such as medical payments or collision. So even though they make it sound like you can get free auto insurance, car insurance companies aren't that generous. Any amount of discount will help reduce the cost of coverage.

To see a list of providers with discount car insurance rates in Massachusetts, follow this link.

Different people need different coverages

When choosing the right insurance coverage for your personal vehicles, there really is no "best" method to buy coverage. Everyone's needs are different so your insurance needs to address that. For instance, these questions may help you determine whether you would benefit from professional advice.

  • Do I need to file an SR-22 for a DUI in Massachusetts?
  • Am I covered by my employer's commercial auto policy when driving my personal car for business?
  • Am I covered when driving on a suspended license?
  • Can I get a multi-policy discount for packaging my home and auto coverage?
  • What is the difference between comprehensive and collision coverage?
  • Do I need special endorsements for business use of my vehicle?
  • Does my policy cover my teen driver if they drive my company car?
  • Do I have coverage for damage caused while driving under the influence?

If you don't know the answers to these questions but a few of them apply then you might want to talk to an agent. If you want to speak to an agent in your area, fill out this quick form or click here for a list of car insurance companies in your area.

Additional information can be found on the website for the Massachusetts Division of Insurance through this link. Visitors are able to file complaints about a company, read enforcement actions against agents and companies, report car insurance fraud, and find out industry alerts.

Additional helpful sites include III.org's auto insurance page and this directory of insurance agents in East Boston Massachusetts.