How to Get Cheaper Marion Auto Insurance

Buying affordable Marion auto insurance online is somewhat difficult for consumers not familiar with buying insurance online. With so many choices of online companies available, how can consumers possibly compare every company to locate the best pricing?

It's important to do rate comparisons quite often because prices are constantly changing. Just because you had the best deal last year there is a good chance you can find better rates now. So just ignore everything you know about auto insurance because you're going to get a crash course in the proper way to remove unneeded coverages and save money.

If you currently have a car insurance policy, you will be able to save some money using these methods. Buying affordable coverage in Marion is simple if you know the tricks. Although Massachusetts consumers do need to know how insurance companies sell insurance online and take advantage of how the system works.

Why some people pay less for insurance in Marion

Consumers need to have an understanding of the factors that go into determining the rates you pay for auto insurance. Understanding what impacts premium levels allows you to make educated decisions that may reward you with much lower annual insurance costs.

Where you reside plays a part - Residing in small towns and rural areas can be a good thing when talking about auto insurance. Fewer people means fewer accidents and also fewer theft and vandalism claims. City drivers have much more traffic to deal with and longer commute times. More time commuting means more change of being in an accident.
Teen drivers pay high rates - More mature drivers are viewed as being more responsible, statistically cause fewer accidents and receive fewer citations. Youthful drivers are statistically proven to be more careless when driving therefore auto insurance rates are much higher.
Cautious drivers pay less - Good drivers get better rates than bad drivers. Even a single moving violation can increase rates by as much as thirty percent. Drivers who have serious citations such as DWI, reckless driving or hit and run convictions may need to file a SR-22 to the state department of motor vehicles in order to continue driving.
Extra add-on coverages are wasting money - There are many add-on coverages that you can buy when buying auto insurance. Coverages like roadside assistance, towing coverage and motor club memberships are some examples. These may sound like a good investment initially, but if you don't need them get rid of them and save.
Are you male or female? - Statistics have proven that men are more aggressive behind the wheel. That doesn't necessarily mean that women are better drivers. Both sexes tend to get into accidents at about the same rate, but the males cause more damage. They also get more serious tickets like DUI and reckless driving. Youthful male drivers are the most expensive to insure and are penalized with high auto insurance rates.

Free Marion Auto Insurance Quotes

There are several ways of comparing rates from local Marion auto insurance companies. One of the best ways to find competitive insurance rates is to perform an online rate comparison. This is very easy and can be done in a couple of different ways.

The fastest way to get the best comparison quotes is to use a rate comparison form (click to open form in new window). This type of form saves time by eliminating separate forms for each company you want a rate for. One form will return quotes from several companies. It's the fastest way to compare.
A slightly less efficient method to compare rate quotes is to take the time to go to the website for each individual company to complete a price quote. For sake of this example, let's assume you want comparison quotes from , and . To get each rate you have to spend time on each company's site and enter your information, which is why the first method is quicker. To view a list of companies in Marion, click here.
The most time-consuming way to compare rates is to drive around to insurance agents' offices. The internet eliminates the need for an insurance agent unless you want the trained guidance that only a license agent can provide. It is possible to find lower rates online and still use a local agent. We'll cover that shortly.

Whichever method you choose, make darn sure you compare the exact same coverages and limits for every company. If you enter different deductibles you can't possibly decipher which rate is best in Marion. Slightly different coverages can mean a large discrepancy in price. And when comparison shopping, more quotes will increase your chances of finding a lower rate.

Take advantage of discounts

The price of auto insurance can be rather high, but you may find discounts that you may not even be aware of. Some discounts apply automatically at quote time, but some must be asked for in order for you to get them.

Life Insurance Discount - Companies who offer life insurance give lower rates if you buy life insurance.
Save with a New Car - Buying coverage on a new vehicle can cost up to 25% less because new vehicles have to meet stringent safety requirements.
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 a substantially lower rate.
Accident Waiver - A few companies allow you one accident before hitting you with a surcharge as long as you don't have any claims for a set time period.
Theft Prevention Discount - Vehicles with anti-theft systems can help prevent theft and earn discounts up to 10%.
Multi-car Discount - Insuring more than one vehicle with the same company can get a discount on all vehicles.

A little note about advertised discounts, some credits don't apply to the overall cost of the policy. Most only cut specific coverage prices like collision or personal injury protection. So when the math indicates all the discounts add up to a free policy, you won't be that lucky. Any amount of discount will cut your overall premium however.

To choose companies offering auto insurance discounts in Marion, click here.

Are auto insurance companies telling the truth?

Auto insurance companies such as GEICO, State Farm and Progressive constantly bombard you with ads on TV and radio. They all seem to have a common claim about savings if you switch to them. How do they all claim to save you money? It's all in the numbers.

Insurance companies have a preferred profile for the type of driver that makes them money. An example of a desirable insured might be over the age of 50, insures multiple vehicles, and has great credit. A customer getting a price quote that hits that "sweet spot" will qualify for the lowest rates and most likely will cut their rates substantially.

Potential insureds who don't qualify for the "perfect" profile will have to pay more money and this can result in the customer not buying. The ad wording is "customers who switch" not "people who quote" save money. This is how companies can truthfully advertise the savings.

Because of the profiling, you need to get quotes from several different companies. It's impossible to know which insurance companies will give you the biggest savings.

How to know if you need help

When buying proper insurance coverage for your personal vehicles, there is no perfect coverage plan. Your needs are not the same as everyone else's.

These are some specific questions may help you determine whether your personal situation may require specific advice.

When does my teenage driver need to be added to my policy?
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 vehicle covered for flood damage?
Does my policy cover me when driving someone else's vehicle?
Do I need special endorsements for business use of my vehicle?
Am I covered when driving on a suspended license?
Why am I required to buy high-risk coverage?

If you can't answer these questions but you think they might apply to your situation, you might consider talking to an agent. If you want to speak to an agent in your area, fill out this quick form.

Additional information is available on the Massachusetts Division of Insurance website found here. Visitors are able to view agent and company licensing information, read enforcement actions against agents and companies, and file complaints about a company.

The best insurance company isn't always the cheapest

As you prepare to switch companies, you should never reduce coverage to reduce premium. In many instances, drivers have reduced liability limits or collision coverage only to find out that the small savings ended up costing them much more. The ultimate goal is to purchase a proper amount of coverage at the best price.

We covered a lot of ways to compare auto insurance prices online. 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 be surprised to find that the biggest savings come from a small mutual company.

The cheapest auto insurance is available both online and with local Marion insurance agents, and you should be comparing both in order to have the best chance of saving money. There are still a few companies who do not offer online price quotes and most of the time these smaller companies sell through independent agents.