Car Insurance in East Sandwich Massachusetts - 10 Tricks to Save Money

Paying for high-priced car insurance can dwindle your savings account and make it impossible to make ends meet. Comparison shopping is a smart way to help make ends meet.

Because you have many choices, it is hard for the average consumer to pick the most affordable insurance company.

Save big with these ten discounts

Companies that sell car insurance don't always list every discount very well, so we took the time to find some of the more common as well as the least known car insurance savings.

  • No Claims - Drivers who don't have accidents can save substantially when compared to bad drivers.
  • Accident Waiver - Some insurance companies will forgive one accident before raising your premiums if your claims history is clear for a set time period.
  • Multiple Policy Discount - When you combine your home and auto insurance with the same company you could get a discount of at least 10% off all policies.
  • Anti-lock Brake Discount - Anti-lock brake equipped vehicles can reduce accidents and earn discounts up to 10%.
  • Own a Home - Simply owning a home may trigger a car insurance policy discount due to the fact that maintaining a home is proof that your finances are in order.
  • Paperwork-free - A few companies will give a small break for buying your policy online.
  • Distant Student - Children who attend school more than 100 miles from home and do not have access to a covered vehicle may qualify for this discount.
  • 55 and Retired - Mature drivers may be able to get a discount up to 10%.
  • Good Student Discount - A discount for being a good student can earn a discount of 20% or more. This discount can apply well after school through age 25.
  • Memberships - Belonging to a professional or civic organization could qualify you for a break when shopping for car insurance.

A little note about advertised discounts, most credits do not apply to all coverage premiums. Some only apply to individual premiums such as comp or med pay. So even though they make it sound like adding up those discounts means a free policy, you won't be that lucky.

To see a list of insurance companies who offer car insurance discounts in Massachusetts, follow this link.

Which Car Insurance is Cheapest in East Sandwich, Massachusetts?

There are several ways to compare rate quotes from local East Sandwich car insurance companies. The best method to find the cheapest insurance rates is to perform an online rate comparison. This can be done in a couple of different ways.

  • The best way consumers can analyze rates is to use a rate comparison form (click to open form in new window). This method saves time by eliminating separate quotation requests for each company you want a rate for. One form submission gets rate comparisons from car insurance companies with the best prices.
  • A different way to get quotes online is spending the time to visit the website of each company to complete a price quote. For sake of this example, let's assume you want comparison quotes from , and . To get each rate you have to spend time on each company's site and enter your policy data, which is why the first method is more popular.

    To view a list of companies in East Sandwich, click here.

Which method you use is up to you, but ensure you are comparing apples-to-apples information with each company. If each company quotes higher or lower deductibles it's not possible to make an equal comparison in East Sandwich. Just a small difference in coverages could mean much higher rates. Just remember that having more price comparisons provides better odds of finding the best price.

Car insurance ads bend the truth

Car insurance providers like Progressive, Allstate and GEICO continually stream ads on TV and radio. They all say the same thing about savings after switching your policy. But how can every company make the same claim?

Insurance companies have a preferred profile for the right customer that is profitable for them. For example, a driver they prefer could be between the ages of 40 and 55, insures multiple vehicles, and drives newer vehicles. Any new insured who fits that profile will qualify for the lowest rates and most likely will save a lot of money.

Potential insureds who fall outside this ideal profile will be quoted more money which usually ends up with business going elsewhere. The ad wording is "customers that switch" not "people who quote" save that kind of money. This is how companies can truthfully claim big savings. This emphasizes why drivers must get quotes from several different companies. It's just too difficult to predict which insurance companies will give you the biggest savings.

Final considerations

Cheaper car insurance can be purchased from both online companies in addition to many East Sandwich insurance agents, so you should be comparing quotes from both to have the best chance of lowering rates. A few companies do not provide the ability to get a quote online and these regional insurance providers work with independent agents.

When trying to cut insurance costs, do not reduce coverage to reduce premium. There are too many instances where drivers have reduced physical damage coverage only to discover later that it was a big mistake. Your strategy should be to get the best coverage possible at a price you can afford while still protecting your assets.

For more Massachusetts car insurance information

Even more information can be found at the Massachusetts Division of Insurance website. Consumers can read industry bulletins, get help finding coverage, view agent and company licensing information, and find out industry alerts.

Additional helpful sites include this online resource for car insurance quotes in Massachusetts and this list of insurance agents in East Sandwich.