Tightwads Tips for Saving on North Attleboro Auto Insurance

No one in their right mind cherishes buying auto insurance, particularly when the cost is way too high.

There are many to buy insurance from, and although it's a good thing to have a choice, it makes it harder to compare rates.

It's important to check auto insurance prices occasionally because prices are constantly changing. Even if you got the best price a couple years back you may be paying too much now. Block out anything you think you know about auto insurance because we're going to demonstrate the tricks you need to know to properly buy coverages while reducing your premium.

Automobile Insurance Quotes in North Attleboro, MA

There are multiple methods to shop for auto insurance, but one way is more efficient than others. You could spend your day talking to insurance companies in North Attleboro, or you could use online quotes to achieve your goal.

All the larger companies participate in an industry program that enables customers to enter their coverage request one time, and at least one company then returns a price quote based on that data. This saves time by eliminating quote forms to each individual auto insurance company.

To submit your quote information now, click here (opens in new window).

The one downside to getting quotes like this is you cannot specify which companies you want to price. If you would rather choose specific insurance companies to compare rates, we have assembled a list of companies who write auto insurance in Massachusetts. Click to view list.

It's your choice how you get your quotes, but make absolute certain that you use identical information for each comparison quote. If you have higher or lower deductibles you can't possibly determine the lowest rate in North Attleboro. Quoting even small variations in limits can make a big difference in price. And when quoting auto insurance, remember that quoting more helps locate the best price.

What determines how much you pay?

It's important that you understand the different types of things that help determine the rates you pay for auto insurance. Knowing what influences your rates allows you to make educated decisions that may reward you with big savings.

The following are a few of the "ingredients" companies use to determine rates.

Rural vs Urban Areas - Living in less populated areas can be a good thing when talking about auto insurance. Drivers who live in large cities have to deal with much more traffic and longer commute times. Fewer people means fewer accidents.
Better credit means lower rates - Credit history is a big factor in determining your rates. Therefore, if your credit score is not that good, you could be paying less to insure your by spending a little time repairing your credit. Drivers with good credit tend to file fewer claims and have better driving records than those with lower credit scores.
Please use or commuting - Driving more miles each year the more you will pay for auto insurance. Most companies charge to insure your cars based on their usage. Cars and trucks not used for work or commuting qualify for better rates as compared to vehicles used primarily for driving to work. Ask your agent if your auto insurance coverage shows the proper vehicle usage.
Pay less after the wedding - Having a spouse can get you a discount on your policy. It is viewed as being more mature and statistics show married couples file fewer claims.

Don't pay full price with these discounts

The price of auto insurance can be rather high, but there are discounts available to reduce the price significantly. Some trigger automatically when you purchase, but a few need to be asked about before being credited.

Bundle and Save - When you have multiple policies with the same insurance company you may earn approximately 10% to 15%.
Anti-lock Brake System - Vehicles with anti-lock braking systems can reduce accidents and qualify for as much as a 10% discount.
Life Insurance - Some companies give a discount if you purchase auto and life insurance together.
Sign Online - A handful of insurance companies may give you up to $50 just for signing your application over the internet.
Accident Forgiveness - Certain companies allow you one accident without raising rates as long as you don't have any claims for a particular time prior to the accident.

It's important to note that most discounts do not apply to your bottom line cost. Some only reduce specific coverage prices like collision or personal injury protection. So when the math indicates having all the discounts means you get insurance for free, you're out of luck. But any discount will bring down your premiums.

For a list of companies who offer auto insurance discounts in Massachusetts, click here to view.

Your personal situation dictates your coverage

When it comes to choosing the right insurance coverage for your vehicles, there isn't really a perfect coverage plan. Your needs are not the same as everyone else's so your insurance should reflect that Here are some questions about coverages that might point out whether or not you would benefit from an agent's advice.

What is the difference between comprehensive and collision coverage?
Can I get a multi-policy discount for packaging my home and auto coverage?
What are the financial responsibility laws in Massachusetts?
Does my liability insurance cover pulling a trailer or camper?
Does my policy cover me when driving someone else's vehicle?
Why am I required to buy high-risk coverage?
Are rental cars covered under my policy?

If you're not sure about those questions but you think they might apply to your situation, you may need to chat with an agent. If you don't have a local agent, complete this form or you can go here for a list of companies in your area.

More information can be found on the website for the Massachusetts Division of Insurance found here. Visitors are able to view agent and company licensing information, find out industry alerts, file complaints about an insurance agent or broker, and get help finding coverage.

The best insurance company isn't always the cheapest

As you go through the steps to switch your coverage, never reduce needed coverages to save money. In many instances, an insured cut physical damage coverage only to regret at claim time that the savings was not a smart move. The ultimate goal is to find the BEST coverage at the best price.

Lower-priced auto insurance can be purchased both online and with local North Attleboro insurance agents, so you should compare both in order to have the best price selection to choose from. Some auto insurance companies do not offer online quoting and most of the time these regional insurance providers sell through independent agents.

We covered many tips how you can lower your auto insurance rates. The most important thing to understand 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 most savings is with a small mutual company. Smaller companies often have lower prices on specific markets as compared to the big name companies such as .