9 Guaranteed Methods to Cut Car Insurance Costs in Jefferson, MA
Did you fall for a flashy sales pitch and buy high-priced car insurance? Trust us, many consumers are feeling buyer's remorse and feel like there's no way out.
Numerous battle for your hard-earned dollar, so it can be very hard to choose a and uncover the absolute lowest price
It's important to compare prices every six months since rates are constantly changing. Just because you found the best rates a few years ago the chances are good that you can find a lower rate today. There is a lot of bad information regarding car insurance online but we're going to give you some great ways to save money.
How much can you save with these nine discounts?
Companies that sell car insurance do not advertise every available discount in an easy-to-find place, so the following is a list of some of the more common and the more hidden savings tricks you should be using.
- Theft Prevention Discount - Cars that have factory anti-theft systems can help prevent theft and qualify for as much as a 10% discount.
- Memberships - Belonging to certain professional organizations is a good way to get lower rates on your policy.
- Multiple Cars - Buying insurance for all your vehicles on the same car insurance policy could earn a price break for each car.
- E-sign - A few companies will give a small break just for signing your application on their website.
- Homeowners Discount - Being a homeowner can help you save on car insurance because maintaining a house demonstrates responsibility.
- Pay Now and Pay Less - If you pay your entire premium ahead of time instead of paying each month you may reduce your total bill.
- Safety Course Discount - Successfully completing a driver safety course could possibly earn you a 5% discount and easily recoup the cost of the course.
- Resident Student - Kids in college living away from home attending college and don't have a car can receive lower rates.
- Service Members Pay Less - Being on active duty in the military could be rewarded with lower premiums.
It's important to note that most discount credits are not given to all coverage premiums. Most only apply to the cost of specific coverages such as comprehensive or collision. Just because it seems like all the discounts add up to a free policy, you're out of luck.
To see a list of providers with discount car insurance rates in Jefferson, click here to view.
How to Compare Car Insurance in Jefferson, Massachusetts
Performing a rate comparison can take time and effort if you aren't aware of the most efficient way. You can waste a lot of time talking about coverages with insurance agencies in Jefferson, or you can utilize online quotes to accomplish the same thing much quicker.
Many insurance companies enroll in a system that allows shoppers to send in one quote, and each participating company can give them a price for coverage. This saves time by eliminating quote requests for each company you want a rate for.
To submit your quote information now, click to open in new window.
The one disadvantage to doing it this way is you are unable to specify which carriers you want to price. If you prefer to choose from a list of companies to compare, we have assembled a list of low cost car insurance companies in Massachusetts. Click here to view list.
It's up to you which method you use, but ensure you are comparing the exact same quote information for each price quote. If you use mixed coverages it will be next to impossible to truly determine the lowest rate in Jefferson. Quoting even small variations in limits may cause a big price difference. Just remember that obtaining a wide range of quotes will enable you to find a better price.
Save 15 percent in 15 minutes? Is it for real?
Companies like Allstate and Progressive consistently run television and radio advertisements. All the ads make an identical promise that you can save if you change to their company. How do they all make the same claim?
Insurance companies are able to cherry pick for the driver that is profitable for them. A good example of a preferred risk could be a mature driver, has no driving citations, and drives less than 7,500 miles a year. Any new insured who meets those qualifications is entitled to the best price and is almost guaranteed to cut their rates substantially.
Drivers who don't meet the "perfect" profile will be charged higher premiums and ends up with business going elsewhere. Company advertisements say "people who switch" but not "drivers who get quotes" save that much. That's the way insurance companies can advertise the way they do. That is why drivers must get quotes from several different companies. It's just too difficult to predict which car insurance company will provide you with the cheapest rates.
Final considerations
When shopping online for car insurance, never reduce coverage to reduce premium. Too many times, someone sacrificed collision coverage and discovered at claim time that a couple dollars of savings turned into a financial nightmare. The aim is to buy enough coverage at an affordable rate, not the least amount of coverage.
Lower-priced car insurance can be sourced from both online companies and also from your neighborhood Jefferson agents, and you need to price shop both to have the best chance of lowering rates. Some car insurance companies may not provide the ability to get a quote online and many times these small insurance companies only sell through independent insurance agents.
Learn more about Massachusetts car insurance
Additional detailed information can be read at the Massachusetts Division of Insurance website. Consumers can read consumer alerts, find out which companies have the most complaints, report car insurance fraud, and get help finding coverage.
