Comparison Shop Groton Auto Insurance Prices With These Tricks

Shopping for affordable Groton auto insurance over the internet is rather challenging for beginners to comparison shopping online. Because there are so many insurers available, how can you have a chance to compare every one to find the lowest price?

It's important to check auto insurance prices quite often because prices are constantly changing. Even if you think you had the best deal last year you will most likely find a better rate today. So ignore everything you know about auto insurance because you're going to get a crash course in the only way to save money, get proper coverage and the best rates.

These discounts can lower your rates

Car insurance is not cheap, but there are discounts available to help bring down the price. A few discounts will automatically apply when you quote, but lesser-known reductions have to be asked for prior to getting the savings.

Anti-lock Brake System - Cars that have steering control and anti-lock brakes can avoid accidents and therefore earn up to a 10% discount.
Senior Citizens - If you qualify as a senior citizen, you may receive reduced rates.
Low Mileage - Low mileage vehicles can qualify you for discounted rates on garaged vehicles.
Pay Now and Pay Less - If you pay your entire premium ahead of time instead of monthly or quarterly installments you can actually save on your bill.
Accident Waiver - A handful of insurance companies will forgive one accident before your rates go up if you are claim-free for a set time period.
Good Student Discount - Performing well in school can earn a discount of 20% or more. The discount lasts up until you turn 25.

A little note about advertised discounts, most discount credits are not given to the overall cost of the policy. The majority will only reduce individual premiums such as comprehensive or collision. So despite the fact that it appears all the discounts add up to a free policy, you won't be that lucky. Any amount of discount will reduce the cost of coverage.

Different people need different coverages

When it comes to buying proper insurance coverage for your personal vehicles, there really is not a perfect coverage plan. Coverage needs to be tailored to your specific needs.

For instance, these questions may help you determine whether you might need professional guidance.

Do I need PIP (personal injury protection) coverage in Massachusetts?
Should I buy additional glass protection?
Is my dog or cat covered if injured in an accident?
What can I do if my company won't pay a claim?
Does my policy cover me when driving someone else's vehicle?
Do I need to file an SR-22 for a DUI in Massachusetts?
Does medical payments coverage apply to all occupants?
Why does it cost so much to insure a teen driver in Groton?

If you're not sure about those questions but you think they might apply to your situation, then you may want to think about talking to an agent. To find an agent in your area, fill out this quick form.

Are you falling for claims of savings?

Companies like Allstate and Progressive consistently run ads on television and other media. All the ads make an identical promise about savings if you change to them. How can each company claim to save you money?

Insurance companies have a preferred profile for the type of driver that earns them a profit. An example of a preferred risk might be between 30 and 50, insures multiple vehicles, and has great credit. A customer getting a price quote who meets those qualifications gets the lowest rates and as a result will probably save when they switch companies.

Potential customers who are not a match for the requirements will be charged a higher premium and ends up with the customer not buying. Company advertisements say "customers that switch" not "everybody who quotes" save money. This is how companies can truthfully advertise the savings.

That is why you should get a wide range of price quotes. It's impossible to know which insurance companies will give you the biggest savings.

More sites with auto insurance information

Additional information is available on the Massachusetts Division of Insurance website located here. Visitors are able to read consumer alerts, learn about insurance regulations, and find disaster information.

Final considerations

As you prepare to switch companies, it's not a good idea to buy lower coverage limits just to save a few bucks. Too many times, drivers have reduced comprehensive coverage or liability limits to discover at claim time that the small savings ended up costing them much more. The aim is to buy the best coverage you can find at a price you can afford, not the least amount of coverage.

Cheaper auto insurance is attainable both online and with local Groton insurance agents, so compare prices from both to have the best rate selection. There are still a few companies who do not offer you the ability to get quotes online and many times these smaller companies only sell through independent insurance agents.

We covered some good ideas how you can reduce auto insurance prices online. It's most important to understand that the more quotes you get, the better likelihood of reducing your rate. Consumers may even find the best prices are with the least-expected company.