5 Discounts Leominster Drivers Forget when Buying Car Insurance

Comparison shopping for Leominster car insurance is a challenge for beginners to comparing rates online. There are so many options available that it can easily become a big hassle to find lower rates in Leominster.

Policy discounts you shouldn't miss

Insuring your fleet can be pricey, but there are discounts available to help offset the cost. Certain discounts will be applied at quote time, but some may not be applied and must be manually applied in order for you to get them. If you're not getting every credit available, you're paying more than you need to.

  • Drivers Education - Have your child successfully complete driver's ed class in high school.
  • Pay Upfront and Save - If paying your policy premium upfront instead of paying each month you can actually save on your bill.
  • Braking Control Discount - Anti-lock brake equipped vehicles prevent accidents and will save you 10% or more.
  • Good Students Pay Less - A discount for being a good student can be rewarded with saving of up to 25%. The good student discount can last up to age 25.
  • Multiple Policy Discount - When you combine your home and auto insurance with one company you will save approximately 10% to 15%.

A little note about advertised discounts, most discount credits are not given to the entire cost. Some only reduce specific coverage prices like liability and collision coverage. So when the math indicates having all the discounts means you get insurance for free, you won't be that lucky. Any amount of discount will bring down the amount you have to pay.

To see a list of insurance companies with the best car insurance discounts in Massachusetts, click this link.

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Fast and Easy Leominster Car Insurance Quotes

Finding cheaper car insurance prices is actually quite simple. Consumers just need to take time comparing rate quotes online from several insurance companies. This can be done in several different ways.

  • The best way to get quotes is a comparison rater form click to view form in new window. This form saves time by eliminating repetitive form entry to each individual car insurance company. Taking the time to complete one form will return price quotes direct from many companies. Recommended for those who want to invest the least amount of time.
  • A different way to shop for car insurance online consists of visiting the website of each company to complete a price quote. For example, let's assume you want rates from , and . To find out each rate you need to visit each site to enter your coverage information, which is why the first method is quicker. For a list of links to companies insuring cars in Leominster, click here.

It's up to you how you get prices quotes, just double check that you are using identical deductibles and coverage limits for every company. If you have different values for each quote then you won't be able to decipher which rate is best in Leominster.

Save $429 a year? Really?

Consumers can't get away from ads for the lowest price auto insurance by companies like State Farm, Allstate and GEICO. They all make the same claim about savings if you move to them.

How does each company make the same claim? It's all in the numbers.

All the different companies can use profiling for the type of driver that is profitable for them. A good example of a driver they prefer could be between the ages of 30 and 50, has no tickets, and has a short commute. Any new insured who matches those parameters will get very good rates and is almost guaranteed to save when switching.

Potential insureds who don't qualify for these standards will be quoted more money which leads to business going elsewhere. The ads say "customers who switch" but not "drivers who get quotes" save money. That's why companies can truthfully make the claims of big savings.

This emphasizes why drivers must quote coverage with many companies. It's just too difficult to predict the company that will fit your personal profile best.

And the best car insurance company is...

Insureds who switch companies do it for a variety of reasons including extreme rates for teen drivers, unfair underwriting practices, policy cancellation or high prices. No matter why you want to switch, finding a new car insurance company is actually quite simple.

Cheaper car insurance is possible from both online companies and with local Leominster insurance agents, and you should compare price quotes from both in order to have the best chance of saving money. Some insurance providers do not offer the ability to get a quote online and these small insurance companies work with independent agents.

You just learned some good ideas how to compare car insurance prices online. The key concept to understand is the more providers you compare, the more likely it is that you will get a better rate. Drivers may discover the lowest rates come from some of the smallest insurance companies.

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More Massachusetts car insurance information

Additional information can be read on the Massachusetts Division of Insurance website found here. Consumers can download brochures, view a list of available companies, and find out industry alerts.