Easy Ways to Save Money on Newton Center Auto Insurance

Are you overwhelmed by the number of auto insurance choices in Newton Center? Many other drivers are as well. People have so many options available that it can turn into a big hassle to find better rates.

It's important to shop coverage around at least once a year because prices are constantly changing. Just because you found the best deal a couple years back you can probably find a lower rate today. So just block out anything you think you know about auto insurance because you're going to get a crash course in the proper way to find better rates and still maintain coverage.

Buying car insurance in Newton Center is easy if you know what you're doing. Basically, every driver who is required by state law to have auto insurance will be able to lower their premiums. But Massachusetts consumers do need to know the way insurance companies sell online and take advantage of how the system works.

Newton Center auto insurance quote

Compare the Market for Auto Insurance in Newton Center

There are several ways of comparing rates from auto insurance companies in your area. The best method to compare insurance prices is to use the internet to compare rates. This can be done in several different ways.

  • The recommended way to find low rates is to use a rate comparison form click here to open form in new window. This method keeps you from doing a different quote for each company. Completing one form gets you price quotes . It's definitely the quickest method.
  • A slightly less efficient method to compare rate quotes requires a trip to the website for each individual company and complete a new quote form. For example, we'll assume you want to compare rates from , and . You would have to visit each site to input your insurance information, which is why the first method is quicker.

    To view a list of companies in Newton Center, click here.
  • The least efficient method of getting rate comparisons is driving to insurance agents' offices. Shopping for auto insurance online has reduced the need for local agents unless you want the personal advice of a licensed agent. You can, however, get the lowest quotes online and still use a local agent. We'll cover that shortly.

Whichever way you use, compare identical quote information on every quote. If you have mixed coverages then you won't be able to make a fair comparison in Newton Center. Just a small difference in insurance coverages may result in large price differences. Just keep in mind that comparing more company's prices helps you find a better price.

Take advantage of discounts

Companies don't list every available discount very clearly, so here is a list both the well known and also the lesser-known auto insurance savings.

  • Anti-theft System - Anti-theft and alarm systems prevent vehicle theft and earn discounts up to 10%.
  • Low Mileage - Low mileage vehicles can qualify you for lower rates on the low mileage vehicles.
  • Multiple Cars - Insuring all your vehicles on the same auto insurance policy can get a discount on all vehicles.
  • Discount for Life Insurance - Select insurance companies reward you with a discount if you purchase life insurance from them.
  • E-sign - Some insurance companies may give you up to $50 for buying a policy and signing up over the internet.
  • No Charge for an Accident - Certain companies allow you one accident before raising your premiums if you are claim-free for a certain period of time.
  • Multi-policy Discount - When you combine your home and auto insurance with the same company you may save 10% to 20% off each policy.
  • Passive Restraints - Vehicles with factory air bags and/or automatic seat belt systems may earn rate discounts of more than 20%.
  • Pay Now and Pay Less - If you pay your bill all at once instead of paying each month you could save up to 5%.

Consumers should know that most of the big mark downs will not be given the the whole policy. Some only reduce specific coverage prices like comprehensive or collision. So when the math indicates you would end up receiving a 100% discount, companies don't profit that way.

To see a list of providers with discount auto insurance rates in Massachusetts, follow this link.

More detailed Massachusetts auto insurance information is available at the Massachusetts Division of Insurance website. Visitors are able to read consumer alerts, find disaster information, and report car insurance fraud.

Additional helpful sites include BankRate.com's Car Insurance: When not to Skimp and this Newton Center agent directory.