How to Know You're Spending Too Much for Auto Insurance in Lee

Paying for high-priced auto insurance can take a big chunk out of your personal savings, especially in this economy. Comparison shopping is a smart way to cut your insurance bill.

Numerous battle for your business, and because of this it can be hard to compare to discover the definitive lowest rate

It's important to compare rates quite often since insurance rates are constantly changing. Just because you had the best deal two years ago you may be paying too much now. So 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.

Free Lee Auto Insurance Quotes

There are multiple methods to compare auto insurance quotes, but there is one way that is more efficient than others. You could spend your day driving to insurance companies in Lee, or you could use the web to get pricing more quickly.

All the larger companies belong to an insurance system that enables customers to only type in their quote data once, and at least one company then gives them pricing based on that data. This eliminates the need for repetitive form submissions to each individual auto insurance company. To submit your quote information now, click here (opens in new window).

The only downside to getting quotes like this is you cannot specify which companies you want pricing from. So if you want to choose individual companies to compare rates, we put together a list of companies who write auto insurance in Massachusetts. Click here for list of insurance companies in Massachusetts.

Whichever way you use, make darn sure you compare the exact same coverages and limits for each comparison quote. If you have different deductibles you can't possibly determine the lowest rate in Lee. Just a small difference in coverages may result in a large different in cost. And when comparison shopping, getting more free quotes will increase your chances of finding a lower rate.

You have some control over your rates

It's important that you understand some of the elements that go into determining auto insurance rates. Understanding what impacts premium levels enables informed choices that may reward you with better auto insurance rates.

Listed below are some of the factors auto insurance companies consider when setting rates.

Marriage pays dividends - Being married can actually save you money when buying auto insurance. It means you're more responsible and statistics show married drivers get in fewer accidents.
Older drivers save more - More mature drivers are viewed as being more responsible, tend to cause fewer accidents and tend to be better behind the wheel. Teenage drivers are statistically proven to be more careless when driving therefore auto insurance rates are much higher.
Traffic citations inflate rates - Just one speeding ticket can boost insurance rates by as much as thirty percent. Careful drivers get better rates than bad drivers. Drivers who have serious citations such as reckless driving, hit and run or driving under the influence may need to file a proof of financial responsibility form (SR-22) with the DMV in their state in order to continue driving.
Safer cars are cheaper to insure - Safer cars are cheaper to insure. These vehicles reduce injuries and better occupant protection translates into savings for insurance companies and lower rates for you.
Optional equipment can affect rates - Purchasing a vehicle with a theft deterrent system can save you a little every year. Anti-theft features like tamper alarm systems, vehicle immobilizer technology and General Motors OnStar all aid in stopping your car from being stolen.

Don't pay full price with these discounts

Insuring your vehicles can cost a lot, but there could be available discounts that you may not even be aware of. Some trigger automatically when you purchase, but some must be specially asked for before being credited.

Sign Online - Some insurance companies give back up to $50 for buying your policy on their website.
New Vehicle Savings - Buying coverage on a new vehicle can save up to 30% compared to insuring an older model.
Passive Restraints - Factory air bags or automatic seat belts can get savings of 20% or more.
Drive Less and Save - Driving fewer miles can qualify you for lower rates on the low mileage vehicles.
Payment Discounts - If you pay your bill all at once rather than paying monthly you may reduce your total bill.
No Accidents - Drivers who don't have accidents can earn big discounts as compared to frequent claim filers.

A little note about advertised discounts, most of the big mark downs will not be given to the overall cost of the policy. Some only reduce specific coverage prices like liability, collision or medical payments. Just because it seems like you could get a free auto insurance policy, you won't be that lucky. Any amount of discount will cut your premiums.

For a list of companies offering auto insurance discounts in Lee, follow this link.

Your personal situation dictates your coverage

When it comes to choosing proper insurance coverage for your personal vehicles, there is no one size fits all plan. Your needs are not the same as everyone else's so your insurance needs to address that. Here are some questions about coverages that may help you determine whether or not you would benefit from an agent's advice.

Does medical payments coverage apply to all occupants?
Should I file a claim if it's only slightly more than my deductible?
Can I rate high risk drivers on liability-only vehicles?
Is my dog or cat covered if injured in an accident?
Are my tools covered if they get stolen from my vehicle?
Can I still get insurance after a DUI?
What companies insure drivers after a DUI or DWI?
Do I have coverage when using my vehicle for my home business?

If you don't know the answers to these questions, you might consider talking to a licensed insurance agent. If you don't have a local agent, fill out this quick form or you can go here for a list of companies in your area.

Additional information is available on the website for the Massachusetts Division of Insurance found here. Massachusetts drivers can get help finding coverage, read enforcement actions against agents and companies, file complaints about a company, and find disaster information.

Shop smart and save

Cheaper auto insurance is available on the web and also from your neighborhood Lee agents, so you should compare both in order to have the best price selection to choose from. Some insurance companies may not provide online quoting and most of the time these smaller companies sell through independent agents.

When buying insurance coverage, you should never reduce needed coverages to save money. In many cases, drivers have reduced liability limits or collision coverage only to find out that their decision to reduce coverage ended up costing them more. Your aim should be to find the BEST coverage at the best price.

In this article, we covered many ways to lower your auto insurance rates. The key thing to remember is the more rate comparisons you have, the more likely it is that you will get a better rate. Consumers may even find the most savings is with a small mutual company. Smaller companies may cover specific market segments cheaper as compared to the big name companies such as .