Tightwads Guide to Saving on Jamaica Plain Auto Insurance

Having to pay for overpriced auto insurance can take a big chunk out of your savings account and make it hard to pay other bills. Comparison shopping is a great way to cut your insurance bill. Because you have many online and local companies to choose from, it can be hard to pick the best provider.

It's important to compare rates yearly since insurance rates are constantly changing. Even if you got the best deal six months ago you can probably find a lower rate today. So just ignore everything you know about auto insurance because it's time to teach you the proper way to properly buy coverages and cut your premium.

Choosing the best insurance company for you in Jamaica Plain is not that difficult. If you have insurance now or need new coverage, you can follow these tips to find better prices while maximizing coverage. Massachusetts consumers only need to know the proper methods to find the lowest price online.

Jamaica Plain auto insurance quote

How to Get Cheap Auto Insurance in Jamaica Plain, MA

Comparing auto insurance rates can be exhausting if you aren't aware of the most efficient way to do it. You can spend countless hours driving to local insurance agents in Jamaica Plain, or you could use the internet for quick rates.

The majority of car insurance companies belong to an insurance system that enables customers to enter their policy data once, and at least one company can give them a price based on the submitted data. This prevents consumers from doing repetitive form submissions to each individual auto insurance company. To submit your quote information now, click to open in new window.

The only downside to using this type of system is that consumers can't choose the providers you want to price. If you wish to select specific insurance companies to request quotes from, we put together a list of companies who write auto insurance in Massachusetts. Click here for list of insurance companies in Massachusetts.

However you get your quotes, make sure you use apples-to-apples coverage limits and deductibles on every quote. If each company quotes different liability limits you can't possibly make a fair comparison in Jamaica Plain.

Don't pay full price with these discounts

Companies that sell car insurance don't always list every available discount very well, so here is a list some of the best known and also the lesser-known discounts you could be receiving. If you don't get every credit you deserve, you're paying more than you need to.

  • Anti-lock Brakes - Anti-lock brake equipped vehicles are safer to drive and qualify for as much as a 10% discount.
  • Multi-policy Discount - When you combine your home and auto insurance with the same insurance company you could get a discount of approximately 10% to 15%.
  • Passive Restraints - Vehicles with factory air bags or automatic seat belts can receive discounts of 20% or more.
  • Theft Prevention System - Vehicles with anti-theft systems are stolen less frequently and earn discounts up to 10%.
  • Accident Waiver - Some insurance companies allow you one accident before raising your premiums if you are claim-free for a particular time prior to the accident.
  • Service Members Pay Less - Being deployed with a military unit could mean lower rates.
  • Good Student Discount - A discount for being a good student can be rewarded with saving of up to 25%. The discount lasts until age 25.

A little note about advertised discounts, some of the credits will not apply to your bottom line cost. Some only apply to specific coverage prices like comprehensive or collision. So despite the fact that it appears all those discounts means the company will pay you, you won't be that lucky.

To see a list of providers offering auto insurance discounts in Massachusetts, click here.

Your personal situation dictates your coverage

When choosing proper insurance coverage for your personal vehicles, there really is no one size fits all plan. Your needs are not the same as everyone else's and your policy should reflect that. Here are some questions about coverages that can help discover whether or not you might need professional guidance.

  • Can I get a multi-policy discount for packaging my home and auto coverage?
  • What is the difference between comprehensive and collision coverage?
  • Does my insurance cover a custom paint job?
  • Should I drop comprehensive coverage on older vehicles?
  • Are my tools covered if they get stolen from my vehicle?
  • Does my personal auto insurance policy cover using my vehicle for business use?
  • Do I need special endorsements for business use of my vehicle?

If you can't answer these questions then you might want to talk to a licensed insurance agent. If you want to speak to an agent in your area, fill out this quick form or click here for a list of auto insurance companies in your area. It only takes a few minutes and you can get the answers you need.

Learn more about auto insurance in Massachusetts

Even more information is available at the Massachusetts Division of Insurance website. Massachusetts drivers can find out industry alerts, view agent and company licensing information, view a list of available companies, and read consumer alerts.

Additional helpful sites include BankRate.com's Car Insurance: When not to Skimp and this directory of Jamaica Plain insurance agents.