Easy Tips to Pay Less on Needham Car Insurance

Are you overwhelmed by the wide range of car insurance options in Needham? Lot's of other consumers are too. Drivers have so many choices that it can turn into a big hassle to locate the lowest price.

Be sure to get all your discounts

Companies that sell car insurance don't always advertise every discount in a way that's easy to find, so the following is a list of some of the more common and the more hidden savings tricks you should be using. If you aren't receiving every discount possible, you are throwing money away.

  • Accident Free - Drivers with accident-free driving histories pay less when compared to drivers who are more careless.
  • Defensive Driver - Completing a driver safety course could possibly earn you a 5% discount if you qualify.
  • Anti-theft Discount - Cars that have factory anti-theft systems help deter theft and qualify for as much as a 10% discount.
  • Military Rewards - Being on active duty in the military could mean lower rates.
  • Early Signing - A few companies offer discounts for switching to them prior to your current policy expiring. This can save 10% or more.
  • Air Bag Discount - Cars that have air bags and/or automatic seat belt systems can qualify for discounts of 20% or more.

As a disclaimer on discounts, most discounts do not apply the the whole policy. Most only apply to the cost of specific coverages such as comp or med pay. So even though they make it sound like you can get free auto insurance, car insurance companies aren't that generous.

Is there truth in advertising?

Consumers get pounded daily by advertisements that promise big savings by companies like Progressive, Allstate and GEICO. They all make an identical promise about savings if you switch to them.

How can each company make the same claim?

All companies are able to cherry pick for the type of driver that earns them a profit. A good example of a driver they prefer could be a mature driver, has no tickets, and drives newer vehicles. A customer who meets those qualifications is entitled to the best price and is almost guaranteed to save when they switch companies.

Potential insureds who don't measure up to the requirements will be quoted more money and ends up with business going elsewhere. Company advertisements say "people who switch" but not "drivers who get quotes" save money. That's the way companies can truthfully claim big savings. This emphasizes why you should get quotes from several different companies. Because you never know which car insurance company will give you the biggest savings.

Even more information can be read at the Massachusetts Division of Insurance website. Consumers can read industry bulletins, discover disciplinary actions, and read consumer alerts.

car insurance in Needham

In the end, you save

People switch companies for many reasons like high rates after DUI convictions, questionable increases in premium, policy non-renewal and even unfair underwriting practices. Regardless of your reason, finding the right car insurance provider is less work than it seems.

Cheap car insurance can be found from both online companies and with local Needham insurance agents, and you need to price shop both in order to have the best chance of saving money. A few companies do not offer you the ability to get quotes online and these small insurance companies work with independent agents.

When trying to cut insurance costs, it's not a good idea to buy lower coverage limits just to save a few bucks. There are too many instances where an insured dropped collision coverage and discovered at claim time that it was a big mistake. Your strategy should be to buy enough coverage at an affordable rate while still protecting your assets.