5 Top Tips to Reduce Car Insurance Costs in Mattapan, MA

Are you overwhelmed by the crazy number of car insurance choices in Mattapan? You're not alone. You have so many choices that it can turn into a challenge to find the lowest price.

Save big with these 5 discounts

Car insurance companies don't always advertise all available discounts very well, so we took the time to find some of the more common as well as the least known discounts you could be receiving.

  • Organization Discounts - Belonging to a professional or civic organization may earn a discount when buying car insurance.
  • Fewer Miles Equal More Savings - Low mileage vehicles can earn a substantially lower rate.
  • Homeowners Discount - Owning a home in Mattapan can save you money because maintaining a house is proof that your finances are in order.
  • Discount for Swiching Early - Some insurance companies reward drivers for switching to them prior to your current policy expiration. The savings is around 10%.
  • Anti-theft Discount - Vehicles with anti-theft systems are stolen less frequently and will save you 10% or more.

It's important to note that some credits don't apply the the whole policy. Most only cut individual premiums such as physical damage coverage or medical payments. Just because you may think it's possible to get free car insurance, you're out of luck.

To choose insurers with discount car insurance rates in Massachusetts, click here.

Car insurance ads bend the truth

Allstate, GEICO and Progressive consistently run ads on TV and radio. All the companies have a common claim that you can save if you change to their company. But how can every company make the same claim?

All companies are able to cherry pick for the driver that makes them money. For example, a profitable customer could be over the age of 40, has no tickets, and has great credit. Any new insured that hits that "sweet spot" will qualify for the lowest rates and most likely will save a lot of money.

Potential insureds who fall outside this ideal profile must pay more money and this can result in business going elsewhere. The ad wording is "customers that switch" not "people who quote" save that much. That's the way insurance companies can advertise the savings. This illustrates why you should get as many comparisons as possible. It's just too difficult to predict which car insurance company will give you the biggest savings.

Additional detailed information can be found at the Massachusetts Division of Insurance website. Consumers can find out which companies have the most complaints, find disaster information, and report car insurance fraud.

Other informative sites include this link for Massachusetts car insurance quotes and this link which helps you find a Mattapan agent.

car insurance in Mattapan

Affordable insurance is out there

Lower-priced car insurance can be sourced from both online companies and also from your neighborhood Mattapan agents, and you need to comparison shop both to have the best chance of lowering rates. There are still a few companies who may not provide online price quotes and usually these regional insurance providers provide coverage only through local independent agents.

You just learned a lot of ways to save on car insurance. It's most important to understand that the more rate comparisons you have, the higher the chance of saving money. You may even find the lowest premiums are with some of the lesser-known companies.

Drivers leave their current company for a number of reasons such as questionable increases in premium, delays in responding to claim requests, lack of trust in their agent or even high prices. Whatever your reason, choosing a new insurance company is easier than you think.