Consumer Tested Strategies to Save on Nantucket Auto Insurance

No one in their right mind likes having to buy auto insurance, especially knowing the cost is too high.

There is such a variety of to pick from, and though it is a good thing to have a selection, so many choices can make it hard to compare rates.

Locating affordable coverage in Nantucket can be fairly easy. In a nutshell, everyone who carries auto insurance will be able to cut their insurance bill. Although Massachusetts vehicle owners do need to know how insurance companies sell insurance online.

Vehicle Insurance Comparison

The are a couple different ways to compare rate quotes from different Nantucket insurance companies. The best method to find the lowest rates is to perform an online rate comparison. This can be done in just a few minutes using one of these methods.

  • The recommended way consumers can analyze rates is a comparison rater form like this one (opens in new window). This form keeps you from doing separate quote forms to each individual auto insurance company. Just one form will return quotes from many national carriers.
  • A harder way to shop for auto insurance online is to take the time to go to each individual company website and complete a new quote form. For instance, we'll assume you want to compare , and . To find out each rate you need to go to every website and enter your information, which is why the first method is more popular. For a list of links to companies insuring cars in Nantucket, click here.

It doesn't matter which method you choose, just be sure to compare identical coverages and limits on every quote. If you are comparing different deductibles it's impossible to make a fair comparison in Nantucket. Having just a slight variation in coverages could mean much higher rates. Keep in mind that having more price comparisons helps you find a lower rate.

Policy discounts you shouldn't miss

Insurance can cost an arm and a leg, but companies offer discounts that you may not even be aware of. Some discounts apply automatically when you complete an application, but some may not be applied and must be inquired about before they will apply.

  • Homeowners Savings - Owning a home in Nantucket may earn you a small savings because owning a home demonstrates responsibility.
  • Early Signing - Some insurance companies reward drivers for signing up before your current expiration date. This can save 10% or more.
  • Good Student - A discount for being a good student can be rewarded with saving of up to 25%. The good student discount can last until age 25.
  • New Vehicle Savings - Buying coverage on a new vehicle can be considerably cheaper due to better safety requirements for new cars.
  • Seat Belts Save more than Lives - Drivers who require all occupants to buckle their seat belts can save 10% or more off the personal injury premium cost.
  • No Claims - Good drivers with no accidents pay less when compared with bad drivers.
  • Multi-car Discount - Buying insurance for more than one vehicle on the same auto insurance policy may reduce the rate for each vehicle.

A little note about advertised discounts, many deductions do not apply to the entire policy premium. The majority will only reduce individual premiums such as physical damage coverage or medical payments. Just because you may think 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 insurers offering auto insurance discounts in Massachusetts, click this link.

Insurance agents can help

When choosing coverage for your vehicles, there isn't really a single plan that fits everyone. Everyone's situation is a little different so this has to be addressed. For example, these questions may help highlight whether your personal situation may require specific advice.

  • When do I need to add a new car to my policy?
  • Does my car insurance cover rental cars?
  • Should I buy only the required Massachusetts minimum liability coverage?
  • Can I still get insurance after a DUI?
  • Why am I be forced to buy a membership to get insurance from some companies?
  • Will I be non-renewed for getting a DUI or other conviction?

If it's difficult to answer those questions, you may need to chat with a licensed agent. To find an agent in your area, fill out this quick form or go to this page to view a list of companies.

Additional Massachusetts consumer information

Additional information can be read on the website for the Massachusetts Division of Insurance located here. Massachusetts drivers can report car insurance fraud, learn about specific coverages, file complaints about a company, and file complaints about an insurance agent or broker.

Additional helpful sites include this page for Massachusetts auto insurance and this page for help finding agents in Nantucket, MA.