Compare Feeding Hills Auto Insurance Prices With These Tricks

Are you intimidated by the number of auto insurance options in Feeding Hills? You're not the only one! People have so many choices that it can turn into a big hassle to find lower rates.

You have some control over your rates

Consumers need to have an understanding of some of the elements that help determine the rates you pay for auto insurance. Knowing what influences your rates enables informed choices that could result in much lower annual insurance costs.

Liability insurance protects assets - Liability coverage provides coverage if you are found liable for causing damage or personal injury in an accident. It provides legal defense coverage which can be incredibly expensive. Carrying liability coverage is mandatory and cheap when compared with rates for comp and collision, so buy as much as you can afford.
Do you know your deductibles? - Your deductibles represent how much money you are required to spend if you file a covered claim. Physical damage coverage, otherwise known as comp (or other than collision) and collision, protects your car from damage. Some instances where coverage would apply would be colliding with a building, damage caused by hail, or theft. The more money you are required to pay out-of-pocket, the less your auto insurance will be.
Teen drivers pay high rates - Youthful drivers in Massachusetts are known to get distracted easily when behind the wheel so they pay higher auto insurance rates. Older insureds are more responsible, statistically cause fewer accidents and are safer drivers.
Your spouse saves you money - Being married can get you a discount when buying auto insurance. Having a spouse means you're more mature it has been statistically shown that being married results in fewer claims.
Your auto insurance rates can be influenced by your job - Did you know your occupation can influence how much you pay for auto insurance? Occupations such as doctors, architects and financial analysts tend to have higher average rates in part from high stress and long work days. Conversely, occupations like actors, engineers and performers receive lower rates.
Optional equipment can affect rates - Choosing a vehicle with anti-theft technology or alarm system can get you a discount on your auto insurance. Theft prevention features such as tamper alarm systems, vehicle immobilizer technology and General Motors OnStar can thwart your car from being stolen.

How to Compare Auto Insurance Quotes in Feeding Hills, Massachusetts

Effectively comparing auto insurance prices can take hours if you don't understand the most efficient way to do it. You can spend your afternoon driving to insurance agencies in Feeding Hills, or you can stay home and use the web to quickly compare rates.

Most of the larger companies belong to an insurance system that allows shoppers to send in one quote, and at least one company returns a rated price based on that data. This eliminates the need for repetitive form submissions to each individual auto insurance company.

To submit your quote information now, click here to open in new window.

The only downside to getting quotes like this is you are unable to specify which providers you want pricing from. If you prefer to choose from a list of companies to compare, we have assembled a list of the cheapest auto insurance companies in Massachusetts. Click to view list.

It doesn't matter which method you choose, just ensure you are comparing identical coverage information for each comparison quote. If you have unequal deductibles or liability limits it will be very difficult to determine the lowest rate in Feeding Hills. Just a small difference in limits may result in a large different in cost. Just remember that getting more free quotes helps locate the best offered rates.

Be sure to get all your discounts

Car insurance companies don't always advertise all available discounts very clearly, so here is a list both the well known and the harder-to-find auto insurance savings.

Organization Discounts - Being a member of a qualifying organization could qualify you for a break when buying auto insurance.
Multiple Vehicles - Buying insurance for multiple vehicles with the same company qualifies for this discount.
Student in College - Children who live away from home and do not have access to a covered vehicle can receive lower rates.
No Charge for an Accident - Certain companies will allow you to have one accident before hitting you with a surcharge so long as you haven't had any claims for a set time period.
Federal Government Employee - Employees or retirees of the government could cut as much as 10% off depending on your company.

It's important to note that most credits do not apply to all coverage premiums. Some only reduce the price of certain insurance coverages like physical damage coverage or medical payments. So even though it sounds like all the discounts add up to a free policy, you're out of luck.

To choose insurers who offer auto insurance discounts in Massachusetts, follow this link.

Is there truth in advertising?

Allstate, GEICO and Progressive continually stream television and radio advertisements. All the companies say the same thing that you can save after switching to their company. How does each company claim to save you money? This is how they do it.

Insurance companies are able to cherry pick for the driver that makes them money. An example of a profitable customer might be a mature driver, has no driving citations, and chooses high deductibles. A customer getting a price quote who fits that profile will get very good rates and is almost guaranteed to save when switching.

Consumers who don't measure up to these standards must pay higher prices which usually ends up with the customer not buying. The ads say "drivers who switch" but not "drivers who get quotes" save that much. That's the way insurance companies can state the savings. This illustrates why you need to compare as many rates as you can. It's impossible to know which auto insurance company will give you the biggest savings.

Additional detailed information is available at the Massachusetts Division of Insurance website. Visitors are able to find out which companies have the most complaints, report car insurance fraud, and read enforcement actions against agents and companies.

Shop smart and save

Lower-priced auto insurance can be bought both online and also from your neighborhood Feeding Hills agents, and you need to price shop both in order to have the best price selection to choose from. Some insurance companies may not provide online price quotes and usually these smaller companies provide coverage only through local independent agents.

When buying insurance coverage, it's very important that you do not reduce coverage to reduce premium. In too many instances, someone sacrificed liability limits or collision coverage only to find out that their decision to reduce coverage ended up costing them more. Your focus should be to find the BEST coverage for the lowest price while not skimping on critical coverages.

Consumers change insurance companies for any number of reasons including questionable increases in premium, lack of trust in their agent, not issuing a premium refund or even an unsatisfactory settlement offer. Regardless of your reason, switching auto insurance companies is easier than you think.