Top 8 Ways to Save on Car Insurance in East Weymouth, MA

Are you tired of robbing Peter to pay Paul each month for car insurance? Your situation is no different than many other Massachusetts consumers.

You have so many to pick from, and although it's nice to have multiple companies, lots of choices makes it harder to compare rates.

It's important to shop coverage around before your policy renews since rates are constantly changing. Even if you think you had the lowest price six months ago a different company probably has better rates today. Don't believe everything you read about car insurance online, so I'm going to show you some great ways to find cheap car insurance.

Finding the best rates in East Weymouth is easy if you know what you're doing. Just about every vehicle owner who is required by state law to have car insurance should be able to save money. But Massachusetts consumers do need to know how big insurance companies market insurance on the web because it can help you find the best coverage.

These eight discounts can lower your rates

Companies don't list all their discounts very clearly, so we researched both the well known and the more hidden discounts you could be receiving.

  • Save with a New Car - Adding a new car to your policy is cheaper because new vehicles have to meet stringent safety requirements.
  • Claim Free - Claim-free drivers pay much less as compared to drivers who are more careless.
  • Safety Course Discount - Successfully completing a defensive driving course could save 5% or more if you qualify.
  • Life Insurance Discount - Select insurance companies reward you with a discount if you purchase life insurance.
  • Drive Less and Save - Low mileage vehicles could be rewarded with a substantially lower rate.
  • Lower Rates for Military - Being deployed with a military unit could be rewarded with lower premiums.
  • Clubs and Organizations - Being a member of a qualifying organization may earn a discount on car insurance.
  • Theft Prevention Discount - Vehicles with anti-theft systems prevent vehicle theft and qualify for as much as a 10% discount.

Consumers should know that some of the credits will not apply to the entire cost. Most only apply to the cost of specific coverages such as collision or personal injury protection. So despite the fact that it appears all the discounts add up to a free policy, companies don't profit that way.

Massachusetts car insurance quotes

Are you falling for claims of savings?

Car insurance companies such as GEICO, State Farm and Progressive consistently run ads on television and other media. They all seem to have a common claim that you'll save big if you change your coverage to them. How does each company claim to save you money?

Insurance companies can use profiling for the type of customer that earns them a profit. For instance, a desirable insured might be between 30 and 50, is a homeowner, and has a high credit rating. Any new insured that hits that "sweet spot" is entitled to the best price and as a result will probably save when switching.

Drivers who are not a match for these standards will have to pay higher premiums and this can result in the customer not buying. The ads state "people who switch" not "everybody who quotes" save that much money. That's why companies can state the savings. Because of the profiling, drivers should get a wide range of price quotes. It's just too difficult to predict the company that will have the lowest rates.

Learn more today

More detailed Massachusetts car insurance information is located at the Massachusetts Division of Insurance website. Visitors are able to file complaints about an insurance agent or broker, read industry bulletins, discover disciplinary actions, and view agent and company licensing information.

Also read more on Auto Insurance 101 and this page where you can research East Weymouth insurance agents.

The best insurance company isn't always the cheapest

As you restructure your insurance plan, make sure you don't skimp on coverage in order to save money. In many instances, an accident victim reduced collision coverage and learned later that they should have had better coverage. The ultimate goal is to buy a smart amount of coverage at an affordable rate.

Discount car insurance is attainable both online as well as from independent agents in East Weymouth, so compare prices from both to have the best chance of lowering rates. Some insurance companies don't offer you the ability to get quotes online and most of the time these small, regional companies sell through independent agents.