How to Find Low-Cost Everett Car Insurance

If price shopping car insurance online is new to you, it's easy to get overwhelmed due to the large number of car insurance companies all offering big savings in Everett.

Take advantage of discounts

Properly insuring your vehicles can get expensive, but there could be available discounts to help offset the cost. Larger premium reductions will be automatically applied when you quote, but a few must be asked about prior to getting the savings.

  • Federal Employees - Active or retired federal employment can earn a discount up to 10% with a few car insurance companies.
  • Passive Restraint Discount - Cars that have air bags or motorized seat belts can receive discounts up to 30%.
  • Service Members Pay Less - Having a deployed family member can result in better rates.
  • Good Student - Performing well in school can save 20 to 25%. Earning this discount can benefit you up to age 25.
  • Distant Student - Children who are attending college without a vehicle on campus may qualify for this discount.

It's important to note that most credits do not apply to the entire policy premium. Most cut individual premiums such as comp or med pay. So when the math indicates you would end up receiving a 100% discount, you're out of luck. But any discount will help reduce your overall premium however.

How to know if you need help

When it comes to buying the best car insurance coverage for your vehicles, there really is no perfect coverage plan. Coverage needs to be tailored to your specific needs.

These are some specific questions may help highlight whether your personal situation would benefit from professional advice.

  • Am I covered if I drive in a foreign country?
  • Should I drop comprehensive coverage on older vehicles?
  • Do I have coverage when using my vehicle for my home business?
  • Do I need to file an SR-22 for a DUI in Massachusetts?
  • Do I pay less if my vehicle is kept in my garage?
  • What happens if I owe more than my vehicle is worth?

If you don't know the answers to these questions but you know they apply to you then you might want to talk to a licensed insurance agent. If you don't have a local agent, complete this form.

Are car insurance companies telling the truth?

Car insurance providers like Progressive, Allstate and GEICO regularly use ads on TV and radio. They all say the same thing that you can save if you move to their company. But how can every company claim to save you money?

Different companies have a certain "appetite" for the driver that earns them a profit. For instance, a driver they prefer might be a mature driver, a clean driving record, and drives less than 10,000 miles a year. Any driver who fits that profile gets the lowest rates and most likely will save a lot of money.

Potential customers who don't qualify for this ideal profile will be quoted a higher premium which usually ends up with the customer not buying. The ads say "customers that switch" not "people who quote" save that much. That is how insurance companies can advertise the way they do.

This emphasizes why you should compare as many rates as you can. You cannot predict which company will provide you with the cheapest rates.

More information is located on the Massachusetts Division of Insurance website located here. Visitors are able to download brochures, find out industry alerts, and find disaster information.

Also read more on this site for car insurance rates in Massachusetts and this list of insurance agents in Everett.

Massachusetts car insurance

Do the work, save more money

Consumers who switch companies do it for a number of reasons such as extreme rates for teen drivers, poor customer service, unfair underwriting practices and even not issuing a premium refund. No matter why you want to switch, choosing a new insurance company is less work than it seems.

We just presented a lot of information how to reduce car insurance prices online. The key concept to understand is the more price quotes you have, the more likely it is that you will get a better rate. Drivers may discover the best price on car insurance is with the least-expected company.

As you go through the steps to switch your coverage, don't be tempted to buy lower coverage limits just to save a few bucks. There are too many instances where someone dropped collision coverage and learned later that the savings was not a smart move. Your strategy should be to purchase plenty of coverage at a price you can afford while still protecting your assets.