Tightwads Tips for Saving on Manomet Auto Insurance

Did you fall for a flashy sales pitch and buy an underperforming, overpriced auto insurance policy? Trust us, many consumers are feeling buyer's remorse and feel like there's no way out. Drivers have multiple to buy insurance from, and even though it's nice to be able to choose, it can be more challenging to compare rates.

Pricing the lowest cost auto insurance coverage in Manomet is quite easy. If you are insured now or need a new policy, you will benefit by learning to find better prices while maximizing coverage. Massachusetts vehicle owners just need to know the best way to compare company rates online.

Good Decisions Result in Lower Rates

Consumers need to have an understanding of some of the elements that come into play when calculating auto insurance rates. Knowing what controls the rates you pay enables informed choices that will entitle you to lower auto insurance prices.

Rates may be lower depending on your job - Careers like lawyers, architects and financial analysts tend to have higher average rates attributed to stressful work requirements and lengthy work days. Conversely, occupations like actors, engineers and the unemployed receive lower rates.
Safer occupants lowers premiums - Cars with high safety ratings are cheaper to insure. The safest vehicles reduce injuries and better occupant protection means lower claim amounts and thus lower rates.
Theft deterrents lower rates - Choosing a vehicle that has an advanced theft prevention system can get you a discount on your auto insurance. Anti-theft devices such as tamper alarm systems, vehicle immobilizer technology and General Motors OnStar can thwart your car from being stolen.
Marriage pays dividends - Having a spouse actually saves money when buying auto insurance. Having a significant other means you're more mature than a single person and it's statistically proven that being married results in fewer claims.
Sex matters - Statistics demonstrate that women are safer drivers than men. However, don't assume that men are worse drivers. Women and men have accidents in similar percentages, but the men cause more damage and cost insurance companies more money. Men also statistically get cited for more serious violations like reckless driving and DUI.
An active claims history can cost you - Companies in Massachusetts provide lower rates to people who are claim-free. If you file claims often, you can expect higher rates. Auto insurance is intended to be relied upon for the large, substantial claims.
More miles equals more premium - The more you drive in a year the higher your rate. Most insurance companies price each vehicle's coverage based on how the vehicle is used. Vehicles left parked in the garage qualify for better rates compared to those used for work or business. Make sure your auto insurance policy shows the correct driver usage.

Be sure to get all your discounts

Properly insuring your vehicles can get expensive, but you can get discounts to help offset the cost. Certain discounts will be triggered automatically when you get a quote, but less common discounts must be manually applied before you will receive the discount. If you're not getting every credit possible, you are paying more than you should be.

No Accidents - Drivers with accident-free driving histories can save substantially when compared to accident-prone drivers.
Low Mileage Discounts - Keeping the miles down can earn lower rates on the low mileage vehicles.
Pay Upfront and Save - If you pay your bill all at once instead of making monthly payments you may reduce your total bill.
Homeowners Discount - Simply owning a home may trigger a auto insurance policy discount because of the fact that having a home is proof that your finances are in order.
Paperwork-free - Certain companies give back up to $50 for buying a policy and signing up over the internet.
Service Members Pay Less - Having a deployed family member can result in better rates.
Discount for Life Insurance - Select insurance companies reward you with a discount if you purchase a life insurance policy as well.
No Charge for an Accident - Certain companies permit an accident before hitting you with a surcharge if your claims history is clear prior to the accident.
New Vehicle Savings - Adding a new car to your policy can cost up to 25% less since new cars are generally safer.
Defensive Driving Course - Completing a course teaching defensive driving skills could possibly earn you a 5% discount if your company offers it.

Drivers should understand that most of the big mark downs will not be given the the whole policy. A few only apply to the cost of specific coverages such as comp or med pay. So even though they make it sound like it's possible to get free car insurance, companies wouldn't make money that way. But all discounts will bring down the amount you have to pay.

To choose insurance companies with the best auto insurance discounts in Massachusetts, follow this link.

Is there truth in advertising?

Massachusetts drivers can't ignore all the ads that promise big savings by Progressive, Allstate and GEICO. They all say the same thing that you'll save big if you move to their company.

How does each company say the same thing?

All companies are able to cherry pick for the driver that makes them money. For example, a driver they prefer might be profiled as between the ages of 40 and 55, has no tickets, and has a short commute. A propective insured who fits that profile receives the best rates and is almost guaranteed to save when switching.

Drivers who don't measure up to these standards will be quoted higher premiums which usually ends up with business not being written. Company advertisements say "people who switch" but not "drivers who get quotes" save that much. That's the way companies can make the claims of big savings.

This emphasizes why you should get a wide range of price quotes. It's not possible to predict which auto insurance company will fit your personal profile best.

Much more information about auto insurance in Massachusetts can be found on the website for the Massachusetts Division of Insurance through this link. Massachusetts drivers can read industry bulletins, find disaster information, view a list of available companies, and get help finding coverage.

A tidy conclusion

Budget-conscious auto insurance is possible on the web and also from your neighborhood Manomet agents, so you should be comparing quotes from both to have the best chance of lowering rates. Some insurance providers may not provide online price quotes and these regional insurance providers work with independent agents.

As you shop your coverage around, never buy poor coverage just to save money. There are too many instances where an insured dropped physical damage coverage only to discover later that saving that couple of dollars actually costed them tens of thousands. Your strategy should be to buy enough coverage at an affordable rate while still protecting your assets.