Consumer Tested Strategies to Save on Haverhill Auto Insurance

I can't think of anyone who cherishes buying auto insurance, especially knowing the price is too high.

Multiple compete for your insurance dollar, and it can be difficult to compare rates to find the absolute lowest price

If you have car insurance now, you will be able to save some money using this information. Finding affordable coverage in Haverhill is easy if you know what you're doing. But Massachusetts vehicle owners do need to know the way insurance companies price insurance differently and take advantage of how the system works.

How much can you save with discounts?

Insurance can be prohibitively expensive, but there are discounts available to reduce the price significantly. Larger premium reductions will be automatically applied at quote time, but some must be specifically requested in order for you to get them.

Driver Safety - Completing a course teaching defensive driving skills can save you 5% or more and easily recoup the cost of the course.
Anti-lock Brakes - Anti-lock brake equipped vehicles can reduce accidents and will save you 10% or more.
Life Insurance Discount - Select insurance companies reward you with lower rates if you buy a life insurance policy as well.
Memberships - Affiliation with certain professional organizations may earn a discount when buying auto insurance.
Federal Employees - Being employed by or retired from a federal job can save as much as 8% depending on your company.
Good Student - A discount for being a good student can get you a discount of up to 25%. The discount lasts well after school through age 25.
Multiple Vehicles - Buying insurance for multiple vehicles on the same auto insurance policy qualifies for this discount.
Paperless Signup - Certain companies give back up to $50 for buying a policy and signing up on their website.
Homeowners Savings - Owning a home in Haverhill can save you money due to the fact that maintaining a home requires personal responsibility.
Seat Belt Usage - Using a seat belt and requiring all passengers to buckle their seat belts can save 10% or more off the personal injury premium cost.

Drivers should understand that some credits don't apply to your bottom line cost. Most only apply to the price of certain insurance coverages like liability and collision coverage. So even though they make it sound like it's possible to get free car insurance, companies wouldn't make money that way. But all discounts will cut the amount you have to pay.

To see a list of insurers who offer auto insurance discounts in Haverhill, click here.

Automobile Insurance Quotes in Haverhill, MA

Effectively comparing auto insurance prices can be a lot of work if you aren't aware of the most efficient way to do it. You can waste a lot of time driving to insurance agencies in Haverhill, or you can stay home and use the internet to accomplish the same thing much quicker.

Many insurance companies participate in an industry program that allows shoppers to enter their coverage request one time, and every company provides a quote for coverage. This prevents consumers from doing repetitive form submissions for each company you want a rate for.

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

The only downside to using this type of form is you are unable to specify which carriers to get pricing from. If you would rather choose specific providers to compare, we have a page of the cheapest auto insurance companies in Massachusetts. Click to view list.

Whichever method you choose, make absolute certain that you use the exact same information for every company. If you use higher or lower deductibles you will not be able to decipher which rate is best in Haverhill. Slightly different insurance coverages can make a big difference in price. And when quoting auto insurance, remember that quoting more will enable you to find the best price.

What determines how much you pay?

An important part of buying insurance is that you know the factors that help determine auto insurance rates. Understanding what controls the rates you pay allows you to make educated decisions that could result in lower auto insurance prices.

Extra coverages can waste money - There are a ton of additional coverages that you can get tricked into buying if you aren't careful. Coverages like vanishing deductibles, accidental death and motor club memberships are some examples. They may seem like a good idea when talking to your agent, but if you don't need them get rid of them and save.
Better credit means lower rates - A driver's credit history is a huge factor in determining your rates. If your credit is not that good, you could pay less to insure your by repairing your credit. Drivers with high credit ratings tend to file fewer claims and have better driving records as compared to drivers with lower credit scores.
Drive less and save money - Driving more miles each year the more you'll pay to insure your vehicle. Most companies price each vehicle's coverage based on how the vehicle is used. Cars left parked in the garage can get a lower rate compared to those used for work or business. Make sure your auto insurance coverage is showing the proper vehicle usage, because it can save money.
Don't sacrifice liability coverage - Liability coverage is the coverage that protects you if a jury decides you are liable for damages from an accident. It provides legal defense coverage starting from day one. Carrying liability coverage is mandatory and cheap when compared with rates for comp and collision, so do not skimp.

How much car insurance do I need?

When choosing proper insurance coverage for your vehicles, there is no single plan that fits everyone. Every insured's situation is different and your policy should reflect that. For example, these questions might point out if your insurance needs would benefit from professional advice.

Do I really need UM/UIM coverage?
Can I get a multi-policy discount for packaging my home and auto coverage?
What happens if I owe more than my vehicle is worth?
Do I qualify for additional discounts?
Am I covered if I drive in a foreign country?
Why am I required to buy high-risk coverage?
Am I covered if I wreck a rental car?

If you can't answer these questions, you might consider talking to an agent. To find an agent in your area, take a second and complete this form or go to this page to view a list of companies.

Save 15 percent in 15 minutes? Is it for real?

21st Century, Allstate and State Farm continually stream television and radio advertisements. All the companies have a common claim that you'll save big after switching to them. How do they all say the same thing? This is how they do it.

All companies have a certain "appetite" for the type of driver that is profitable for them. An example of a profitable customer might be profiled as a mature driver, owns a home, and has excellent credit. A propective insured that hits that "sweet spot" is entitled to the best price and is almost guaranteed to cut their rates substantially.

Potential insureds who don't meet the "perfect" profile must pay more money and this can result in business not being written. Company advertisements say "drivers who switch" but not "drivers who get quotes" save money. That is how companies can make those claims.

This illustrates why drivers must get as many quotes as possible. It's not possible to predict which company will have the lowest rates.

The best insurance company isn't always the cheapest

Budget-conscious auto insurance can be purchased on the web and with local Haverhill insurance agents, and you need to price shop both in order to have the best chance of saving money. Some companies do not offer the ability to get a quote online and usually these smaller companies provide coverage only through local independent agents.

While you're price shopping online, never reduce coverage to reduce premium. There are a lot of situations where an insured cut liability limits or collision coverage only to find out they didn't purchase enough coverage. The proper strategy is to buy enough coverage for the lowest price while not skimping on critical coverages.

Much more information about auto insurance in Massachusetts is available on the website for the Massachusetts Division of Insurance. Click here for link. Massachusetts drivers can discover disciplinary actions, find out industry alerts, file complaints about an insurance agent or broker, and find out which companies have the most complaints.