Car Insurance in North Reading, MA - 7 Tips to Save Money
Are you sick and tired of scraping the payment together each month for car insurance? You are in the same boat as most other car owners in Massachusetts. Insurance companies such as GEICO and Progressive persitently shower you with catchy ads and it is difficult to sift through the bull and effectively compare rates to find the best deal.
Fast and Easy North Reading Car Insurance Quotes
All major car insurance companies provide coverage prices online. Getting quotes is pretty painless as you just enter the amount of coverage you want into the quote form. After the form is submitted, their rating system will obtain information on your driving record and credit history and gives you a price quote based on many factors. Online quotes helps simplify price comparisons, but the process of having to visit a lot of sites and fill out multiple forms is monotonous and tiresome. Unfortunately, it is important to get many rate quotes if you want to find a lower rate.
The preferred way to find cheaper rates is to use a quote form to get prices from several companies at one time. It's a real time-saver, requires much less work on your part, and makes rate comparisons much easier to do. Once the form is submitted, it gets priced and you can select your choice of the resulting price quotes. If a lower price is quoted, you can click and sign and purchase the new policy. The whole process can be completed in less than 10 minutes and you will find out if you're overpaying now.
To find out how much you're overpaying now, click here and submit the form. If you have your current policy handy, we recommend you enter coverages and limits as close as possible to your current policy. This makes sure you will have a fair comparison for the exact same coverage.
More discounts equal less premium
Auto insurance companies don't always advertise all available discounts in a way that's easy to find, so the following is a list of some of the more common as well as the least known car insurance savings. If you aren't receiving every discount available, you are paying more than you should be.
- Organization Discounts - Belonging to a civic or occupational organization could qualify you for a break when buying car insurance.
- Payment Method - If you pay your bill all at once instead of making monthly payments you may reduce your total bill.
- New Car Discount - Buying coverage on a new vehicle can cost up to 25% less since new cars are generally safer.
- Employee of Federal Government - Employees or retirees of the government can save as much as 8% depending on your company.
- Anti-lock Brake Discount - Vehicles equipped with ABS or steering control can reduce accidents and qualify for as much as a 10% discount.
- Good Students Pay Less - This discount can get you a discount of up to 25%. The good student discount can last well after school through age 25.
- Multiple Vehicles - Having multiple vehicles with the same company may reduce the rate for each vehicle.
A little note about advertised discounts, most of the big mark downs will not be given to the entire cost. Most only reduce individual premiums such as physical damage coverage or medical payments. Just because you may think it's possible to get free car insurance, you won't be that lucky.
To choose insurers who offer car insurance discounts in North Reading, follow this link.
Switch companies and save? Really?
Consumers can't ignore all the ads for the lowest price auto insurance by Allstate, GEICO and Progressive. All the companies say the same thing about savings after switching to their company.
How can each company make the same claim?
All companies can use profiling for the driver that makes them money. A good example of a profitable customer could be over the age of 40, has no tickets, and has a high credit rating. Any new insured who fits that profile will get the preferred rates and therefore will save when they switch companies.
Potential insureds who do not match the requirements must pay more money which usually ends up with business going elsewhere. The ads state "customers that switch" not "everyone that quotes" save that much. That's why companies can truthfully state the savings. This illustrates why you need to quote coverage with many companies. It's just too difficult to predict the company that will have the lowest rates.
Even more information can be read at the Massachusetts Division of Insurance website. Consumers can find out which companies have the most complaints, view a list of available companies, file complaints about an insurance agent or broker, and download brochures.
In the end, you save
Cheaper car insurance can be purchased from both online companies and also from your neighborhood North Reading agents, and you need to comparison shop both in order to have the best chance of saving money. Some insurance companies may not provide online price quotes and usually these small insurance companies provide coverage only through local independent agents.
As you restructure your insurance plan, it's a bad idea to reduce coverage to reduce premium. In too many instances, an insured dropped full coverage and found out when filing a claim that they should have had better coverage. Your focus should be to get the best coverage possible at a price you can afford while not skimping on critical coverages.
