East Taunton Auto Insurance For Less Than You're Paying Now

Finding lower rates for East Taunton auto insurance is challenging for consumers new to buying insurance online. Drivers have so many options that it can be a challenge to locate the lowest price in East Taunton.

It's important to get comparison quotes once or twice a year since insurance rates are constantly changing. Even if you got the lowest rates last year a different company probably has better rates today. So forget all the misinformation about auto insurance because it's time to teach you the tricks you need to know to save on auto insurance.

Finding the lowest cost protection in East Taunton is not that difficult. If you have a current auto insurance policy or need new coverage, you can learn to shop for the lowest rates while maximizing coverage. Massachusetts drivers only need an understanding of the best way to compare company rates over the internet.

Be sure to get all your discounts

The cost of insuring your cars can be expensive, but companies offer discounts to reduce the price significantly. Certain discounts will be triggered automatically when you complete an application, but lesser-known reductions have to be asked for before they will apply. If you don't get every credit available, you are throwing money away.

Senior Discount - If you qualify as a senior citizen, you may be able to get a discount up to 10%.
Payment Method - By paying your policy upfront instead of monthly or quarterly installments you could save 5% or more.
Bundle and Save - If you have multiple policies with one company you will save approximately 10% to 15%.
Theft Prevention System - Vehicles with anti-theft systems are stolen less frequently and qualify for as much as a 10% discount.
Driver's Ed - Make teen driver coverage more affordable by requiring them to complete a driver education course if it's offered in school.
Employee of Federal Government - Active or retired federal employment may qualify you for a discount with select insurance companies.
College Student - Youth drivers who attend school more than 100 miles from home and do not have access to a covered vehicle can receive lower rates.
New Vehicle Savings - Putting insurance coverage on a new car is cheaper due to better safety requirements for new cars.

Consumers should know that some of the credits will not apply to the entire cost. A few only apply to the cost of specific coverages such as liability, collision or medical payments. So when it seems like all those discounts means the company will pay you, companies don't profit that way. Any qualifying discounts will help reduce the amount you have to pay.

Understand what determines the rate you pay

Smart consumers have a good feel for the factors that help determine auto insurance rates. When you know what positively or negatively determines base rates helps enable you to make changes that may reward you with big savings.

Do men or women drive better? - The statistics show women tend to be less risk to insure than men. However, this does not mean men are WORSE drivers than women. They both have accidents in similar percentages, but the males have costlier accidents. They also get more serious tickets like reckless driving and DUI. Male drivers age 16 to 19 are several times more likely to be in an accident and therefore are the most expensive to insure.
Car features impact rates - Driving a car that has an advanced theft prevention system can help lower your rates. Theft prevention features like vehicle immobilizer systems, General Motors OnStar and LoJack tracking systems all hinder auto theft.
Where you live is a factor - Being located in less populated areas can be a good thing when buying auto insurance. Urban drivers tend to have much more traffic and longer commute times. Fewer drivers means reduced accidents.
Multiple policies with one company can save - Many insurance companies will give a discount to people who have multiple policies with them, otherwise known as a multi-policy discount. If you currently are using one company, you may still want to compare other company rates to confirm you are receiving the best rates possible. You may still find better rates by buying auto insurance from a different company.
High numbers of claims are not good - Car insurance companies in Massachusetts generally give discounts to policyholders who do not rely on their insurance for small claims. If you file claims often, you can expect either a policy non-renewal or much higher rates. Insurance coverage is intended to be relied upon for major claims that would cause financial hardship.
Do you have a high stress job? - Did you know your auto insurance rates can be affected by your occupation? Jobs such as lawyers, social workers and stock brokers are shown to have the highest rates attributed to job stress and lots of time spent at work. On the other hand, occupations like farmers, students and performers pay the least.
Older drivers pay less - Teenage drivers in Massachusetts are known to be more careless in a vehicle so auto insurance rates are higher. Mature drivers are viewed as being more responsible, file fewer claims and are safer drivers.

Is there truth in advertising?

Massachusetts drivers get pounded daily by advertisements for the lowest price auto insurance from companies such as Progressive, GEICO, Allstate and State Farm. They all seem to have a common claim of big savings after switching your policy.

But how can every company say the same thing?

All the different companies can use profiling for the right customer that earns them a profit. For example, a desirable insured might be profiled as between the ages of 40 and 55, has no tickets, and drives newer vehicles. A propective insured that hits that "sweet spot" receives the best rates and is almost guaranteed to save a lot of money.

Consumers who don't measure up to this ideal profile will have to pay higher rates and this can result in business not being written. Company advertisements say "people who switch" but not "drivers who get quotes" save that kind of money. That's why insurance companies can confidently claim big savings.

Because of the profiling, drivers should get quotes from several different companies. It's not possible to predict the company that will give you the biggest savings.

More Massachusetts auto insurance information

Additional auto insurance information can be found on the Massachusetts Division of Insurance website through this link. Massachusetts drivers can learn about insurance regulations, view a list of available companies, and view agent and company licensing information.

Also read more on this Car Insurance FAQ and this page of insurance agents in East Taunton.

A tidy conclusion

When trying to cut insurance costs, do not skimp on coverage in order to save money. There are many occasions where an insured dropped uninsured motorist or liability limits only to regret that it was a big mistake. Your aim should be to buy enough coverage at an affordable rate.

Drivers change insurance companies for many reasons like denial of a claim, unfair underwriting practices, policy non-renewal and even extreme rates for teen drivers. Regardless of your reason, finding the right auto insurance provider is less work than it seems.

Cost effective auto insurance can be purchased on the web in addition to many East Taunton insurance agents, so you should be comparing quotes from both to get a complete price analysis. A few companies do not provide you the ability to get quotes online and most of the time these regional insurance providers sell through independent agents.