Easy Methods to Pay Less on Kingston Car Insurance

Are you intimidated by the number of car insurance options in Kingston? You're not the only one! There are so many options available that it can turn into a ton of work to find the perfect company for you.

It's important to get comparison quotes every six months due to the fact that insurance rates are constantly changing. Even if you think you had the best deal a couple years back you may be paying too much now. So block out anything you think you know about car insurance because I'm going to teach you the proper way to save on car insurance.

How to Compare Car Insurance Quotes in Kingston, Massachusetts

The are a couple different ways of comparing rates from car insurance companies in your area. The recommended way to find competitive insurance rates is to get quotes online. This can be accomplished using a couple different methods.

The first (and easiest) way consumers can analyze rates is a comparison rater form click here to open form in new window. This method saves time by eliminating a different quote for every car insurance company. Filling out one form will get you price quotes . It's the fastest way to compare.

A slightly less efficient method to shop for car insurance online requires a visit to the website for each individual company to complete a price quote. For examples sake, let's assume you want to compare rates from , and . To get rate quotes you would need to take the time to go to each site to input your insurance information, which is why the first method is more popular. For a list of links to companies insuring cars in Kingston, click here.

The least efficient method of getting rate comparisons is to drive around to insurance agents' offices. The ability to buy insurance online makes this process obsolete unless you require the professional advice of a local Kingston agent. You can, however, compare the best prices online but buy from a local insurance agent and you'll learn how to do that later.

Which method you use is up to you, but ensure you are comparing exactly the same coverage limits with each company. If the quotes have differing limits it's impossible to make an equal comparison in Kingston. Just a small difference in limits could mean much higher rates. Just remember that having more price comparisons will increase your chances of finding better pricing.

Understand what determines the rate you pay

It's important that you understand some of the elements that play a part in calculating the rates you pay for car insurance. Having a good understanding of what influences your rates helps enable you to make changes that may reward you with lower car insurance prices.

Proper usage rating affects rates - The higher the mileage driven in a year the more you will pay for car insurance. The majority of insurers charge to insure your cars based on their usage. Vehicles left parked in the garage can get a lower rate compared to those used for work or business. Make sure your car insurance declarations sheet is rated on the correct usage for each vehicle, because it can save money.
Do you have enough liability coverage? - Your policy's liability coverage provides coverage if ever you are found liable for damages caused by your negligence. It provides legal defense coverage starting from day one. This coverage is very inexpensive as compared to coverage for physical damage, so buy as much as you can afford.
Drive a safer car and pay less - Cars with high safety ratings are cheaper to insure. These vehicles have better occupant injury protection and any reduction in injury severity means lower claim amounts and more competitive rates for policyholders.
Save money with special equipment - Choosing a vehicle with an alarm system can help bring down rates. Theft prevention devices such as vehicle immobilizer systems, General Motors OnStar and LoJack tracking systems can thwart your car from being stolen.
Men are more aggressive - Statistics demonstrate women are more cautious behind the wheel. Now that doesn't mean men are WORSE drivers than women. Women and men have accidents at about the same rate, but the males tend to have more serious accidents. They also get cited for more serious violations like DUI and reckless driving.
Your stress level may be raising your rates - Jobs such as doctors, architects and dentists are shown to have the highest average rates because of high stress and lengthy work days. Other occupations like actors, historians and retirees pay the least.

Policy discounts you shouldn't miss

The price of auto insurance can be rather high, but companies offer discounts to help bring down the price. Some discounts apply automatically at the time of quoting, but some must be asked about before you will receive the discount.

Discount for Life Insurance - Some companies give better rates if you take out a life insurance policy as well.
Club Memberships - Being a member of a civic or occupational organization could qualify you for a break on car insurance.
Drive Less and Save - Low mileage vehicles can qualify you for lower rates on the low mileage vehicles.
Pay Now and Pay Less - If you pay your bill all at once rather than paying monthly you could save 5% or more.
Senior Citizens - Older drivers may receive a discount up to 10%.

Keep in mind that most credits do not apply to all coverage premiums. Most only reduce individual premiums such as collision or personal injury protection. So even though they make it sound like you can get free auto insurance, it just doesn't work that way. But any discount will reduce the amount you have to pay.

For a list of companies with discount car insurance rates in Kingston, follow this link.

More information is available on the Massachusetts Division of Insurance website located here. Visitors are able to file complaints about an insurance agent or broker, find out which companies have the most complaints, and find disaster information.

Final considerations

As you go through the steps to switch your coverage, it's not a good idea to reduce needed coverages to save money. In many instances, someone sacrificed liability limits or collision coverage only to find out that the savings was not a smart move. The ultimate goal is to get the best coverage possible at a price you can afford.

Affordable car insurance is attainable both online in addition to many Kingston insurance agents, and you should be comparing both to have the best chance of lowering rates. Some car insurance companies do not provide online quoting and most of the time these smaller companies sell through independent agents.

Consumers leave their current company for a number of reasons such as delays in paying claims, questionable increases in premium, delays in responding to claim requests and unfair underwriting practices. No matter why you want to switch, choosing a new insurance company is not as hard as you think.