Harwich Car Insurance For Less Than You're Paying Now

Beginners to shopping for insurance online will find purchasing the lowest-priced Harwich car insurance nearly impossible.

It's important to price shop coverage periodically because rates are constantly changing. Despite the fact that you may have had the best price last year you will most likely find a better rate today. Forget anything you know (or think you know) about car insurance because I'm going to let you in on the secrets to one of the best ways to eliminate unnecessary coverages and save money.

These discounts can lower your rates

Companies offering auto insurance don't always list all their discounts in an easy-to-find place, so we took the time to find some of the more common and also the lesser-known discounts you could be receiving.

  • New Car Discount - Buying coverage on a new vehicle is cheaper since new cars are generally safer.
  • Good Student - Performing well in school can get you a discount of up to 25%. This discount can apply well after school through age 25.
  • 55 and Retired - If you qualify as a senior citizen, you may be able to get a discount up to 10%.
  • Driver Safety - Completing a driver safety course can save you 5% or more if you qualify.
  • Passive Restraints - Factory air bags or motorized seat belts can get savings of 20% or more.
  • Student Driver Training - Make teen driver coverage more affordable by requiring them to complete a driver education course if it's offered in school.

A little note about advertised discounts, some of the credits will not apply to the entire policy premium. Most only apply to specific coverage prices like liability, collision or medical payments. So even though it sounds like it's possible to get free car insurance, you won't be that lucky.

Harwich car insurance comparison

Different people need different coverages

When it comes to buying the right insurance coverage for your vehicles, there is no best way to insure your cars. Every situation is different.

For instance, these questions may help highlight whether you might need an agent's assistance.

  • Should I file a claim if it's only slightly more than my deductible?
  • Do I need to file an SR-22 for a DUI in Massachusetts?
  • Should I buy additional glass protection?
  • Should I have combined single limit or split liability limits?
  • Should I drop comprehensive coverage on older vehicles?
  • Is my cargo covered for damage or theft?

If you can't answer these questions but one or more may apply to you, you might consider talking to a licensed agent. To find an agent in your area, fill out this quick form.

Are you falling for claims of savings?

Car insurance companies such as Progressive, GEICO, Allstate and State Farm continually stream ads on television and other media. They all seem to have a common claim about savings after switching your policy. How do they all make the same claim? It's all in the numbers.

All companies have a certain "appetite" for the right customer that earns them a profit. For example, a desirable insured could be between the ages of 30 and 50, a clean driving record, and has great credit. A customer that hits that "sweet spot" is entitled to the best price and as a result will probably cut their rates substantially.

Drivers who are not a match for the "perfect" profile will have to pay a higher premium and this can result in business going elsewhere. Company advertisements say "customers who switch" not "everybody who quotes" save that kind of money. That is how companies can truthfully advertise the savings. Because of the profiling, you should get a wide range of price quotes. Because you never know which company will give you the biggest savings.

Even more information can be found at the Massachusetts Division of Insurance website. Consumers can read enforcement actions against agents and companies, file complaints about a company, and learn about insurance regulations.

Massachusetts car insurance

Affordable insurance is out there

As you prepare to switch companies, you should never buy lower coverage limits just to save a few bucks. There are many occasions where someone dropped physical damage coverage only to discover later that the small savings ended up costing them much more. Your aim should be to buy enough coverage at the best price.

We just showed you a lot of techniques to reduce car insurance prices online. The most important thing to understand is the more times you quote, the better your comparison will be. You may even discover the lowest rates come from some of the smallest insurance companies.

Cheaper car insurance can be bought from both online companies in addition to many Harwich insurance agents, and you should compare price quotes from both to have the best selection. There are still a few companies who do not provide you the ability to get quotes online and most of the time these regional insurance providers sell through independent agents.