Car Insurance in North Grafton, MA - 7 Discounts You Might be Unaware of

Having to pay for overpriced car insurance can dwindle your personal savings and make it hard to pay other bills. Comparing price quotes is free and is an excellent way to slash your bill and have more diposable income.

Big companies like GEICO and Progressive persitently shower you with ad campaigns and consumers find it hard to sift through the bull and effectively compare rates to find the best deal.

If you have car insurance now, you should be able to cut costs considerably using this strategy. Finding the best rates in North Grafton is quite easy. Nevertheless, Massachusetts car owners do need to know the way insurance companies price online insurance because it can help you find the best coverage.

These seven discounts can lower your rates

Companies don't list all available discounts in a way that's easy to find, so we researched some of the more common and the harder-to-find ways to save on car insurance.

Multi-car Discount - Buying coverage for more than one vehicle with the same company qualifies for this discount.
Auto/Home Discount - If you insure your home and vehicles with one insurance company you could get a discount of up to 20% off your total premium.
Government Employees - Employees or retirees of the government can save as much as 8% depending on your company.
Anti-theft Discount - Vehicles equipped with anti-theft or alarm systems help deter theft and therefore earn up to a 10% discount.
Payment Discounts - If paying your policy premium upfront instead of making monthly payments you can actually save on your bill.
Paperless Signup - Certain companies will give a small break simply for signing digitally online.
Military Rewards - Having a family member in the military could mean lower rates.

It's important to understand that most discount credits are not given to your bottom line cost. Most only apply to the price of certain insurance coverages like physical damage coverage or medical payments. So when it seems like it's possible to get free car insurance, it doesn't quite work that way.

To choose insurers offering car insurance discounts in North Grafton, click this link.

Are you falling for claims of savings?

Allstate, GEICO and Progressive constantly bombard you with ads on television and other media. All the companies make the same claim of big savings if you switch to them. How can each company make the same claim? This is how they do it.

All companies have a preferred profile for the type of driver that makes them money. For instance, a profitable customer could be a mature driver, has no prior claims, and has great credit. Any new insured who matches those parameters is entitled to the best price and as a result will probably save when they switch companies.

Potential insureds who are not a match for the requirements must pay more money which leads to business going elsewhere. The ads state "drivers who switch" not "everybody who quotes" save money. This is how insurance companies can confidently advertise the savings. This illustrates why you should get a wide range of price quotes. It's just too difficult to predict which insurance companies will fit your personal profile best.

Different people need different coverages

When buying the best car insurance coverage for your personal vehicles, there really is not a "perfect" insurance plan. Every insured's situation is different so this has to be addressed. For instance, these questions can help discover whether you would benefit from professional advice.

Am I covered when driving on a suspended license?
What is the difference between comprehensive and collision coverage?
Am I covered when driving in Canada or Mexico?
Am I covered if I drive in a foreign country?
Can I get a multi-policy discount for packaging my home and auto coverage?
Am I covered when renting a car or should I buy coverage from the car rental agency?
What can I do if my company won't pay a claim?

If it's difficult to answer those questions but a few of them apply, then you may want to think about talking to an agent. To find lower rates from a local agent, simply complete this short form or go to this page to view a list of companies.

More tips and info about car insurance is located at the Massachusetts Division of Insurance website. Consumers can report car insurance fraud, view agent and company licensing information, read consumer alerts, and download brochures.

Affordable insurance is out there

Low-cost car insurance can be found from both online companies and with local North Grafton insurance agents, and you need to price shop both to have the best chance of lowering rates. There are still a few companies who do not offer online price quotes and usually these small, regional companies provide coverage only through local independent agents.

When you buy insurance online, it's a bad idea to buy poor coverage just to save money. In too many instances, consumers will sacrifice liability coverage limits only to discover later that the few dollars in savings costed them thousands. Your focus should be to buy a smart amount of coverage for the lowest price while not skimping on critical coverages.