Getting Cheap Lawrence Car Insurance

Did you fall for a flashy sales pitch and buy overpriced car insurance? Believe me when I say you're not alone.

Consumers have many to pick from, and although it's a good thing to have a choice, it can be more difficult to compare rates.

It's important to compare rates at least once a year because rates are constantly changing. Just because you had the best price a few years ago there may be better deals available now. Block out anything you think you know about car insurance because we're going to demonstrate the proper way to properly buy coverages while reducing your premium.

The purpose of this post is to tell you how to effectively get price quotes and some money-saving tips. If you are paying for car insurance now, you will most likely be able to lower your premiums substantially using this strategy. But Massachusetts car owners do need to know the methods companies use to sell insurance online and apply this information to your search.

Are you getting all your discounts?

The price of auto insurance can be rather high, but there could be available discounts that you may not even be aware of. Most are applied when you get a quote, but a few need to be manually applied before you will receive the discount.

Life Insurance - Select insurance companies reward you with a discount if you purchase auto and life insurance together.
Defensive Driver - Taking part in a driver safety course could possibly earn you a 5% discount depending on where you live.
Discount for Good Grades - Getting good grades can be rewarded with saving of up to 25%. This discount can apply until age 25.
Bundle and Save - When you have multiple policies with one insurance company you may save approximately 10% to 15%.
New Car Discount - Adding a new car to your policy can save up to 30% due to better safety requirements for new cars.
Multi-car Discount - Buying coverage for more than one vehicle on one policy can get a discount on all vehicles.
Anti-lock Brake System - Vehicles with anti-lock braking systems are safer to drive and therefore earn up to a 10% discount.
No Accidents - Drivers with accident-free driving histories can save substantially as compared to frequent claim filers.
Payment Discounts - If you pay your entire premium ahead of time rather than paying monthly you may reduce your total bill.
55 and Retired - Older drivers may qualify for better car insurance rates.

Drivers should understand that most discount credits are not given the the whole policy. Most only reduce specific coverage prices like collision or personal injury protection. So when the math indicates all those discounts means the company will pay you, companies wouldn't make money that way. But all discounts will bring down the cost of coverage.

For a list of companies offering car insurance discounts in Massachusetts, click here to view.

Quick Lawrence Car Insurance Quotes

Most major insurance companies like GEICO, State Farm and Progressive give prices on the web. The process is quite easy as you just type in the coverage amounts you desire as detailed in the form. Once entered, their rating system will obtain reports for credit and driving violations and gives you a price quote based on these factors. This simplifies rate comparisons, but the process of having to visit different websites and enter the same data into a form is monotonous and tiresome. But it's very important to perform this step in order to get the best price on car insurance.

A more efficient way to find better car insurance pricing utilizes a single form that obtains quotes from a bunch of companies at once. The form is fast, helps eliminate reptitive entry, and makes rate comparisons much easier to do. After sending the form, your coverage is rated and you can choose any one of the quotes that you receive.

If you find a better price you can click and sign and buy the new coverage. This process takes 15 minutes at the most and you will know how your current rates stack up.

If you want to find out if lower rates are available, click here to open in new window and input your coverage information. If you currently have coverage, we recommend you complete the form with the insurance coverages just like they are on your policy. This helps ensure you will have a price comparison based on identical coverages.

Shop smart and save

As you shop your coverage around, make sure you don't sacrifice coverage to reduce premiums. In many instances, an insured dropped physical damage coverage only to regret at claim time that saving that couple of dollars actually costed them tens of thousands. The ultimate goal is to get the best coverage possible at the best price.

Budget-conscious car insurance is available from both online companies and also from your neighborhood Lawrence agents, and you need to comparison shop both to have the best chance of lowering rates. Some insurance providers may not provide online quoting and most of the time these regional insurance providers sell through independent agents.

We just showed you some good ideas how you can get a better price on car insurance. The key thing to remember is the more rate quotes you have, the more likely it is that you will get a better rate. You may even discover the lowest premiums are with a small mutual company. These companies may only write in your state and offer lower rates than the large multi-state companies such as .