How to Know You're Wasting Money for Car Insurance in Northborough

Did you fall for a flashy sales pitch and buy an underperforming, overpriced car insurance policy? Believe me when I say many consumers are feeling buyer's remorse and feel like there's no way out. Numerous battle to insure your vehicles, so it can be very hard to choose a and get the definite lowest price

It's important to do rate comparisons every six months due to the fact that insurance rates are constantly changing. Just because you found the lowest price on your last policy there is a good chance you can find better rates now. Forget anything you know (or think you know) about car insurance because I'm going to let you in on the secrets to the quickest way to find great coverage at a great price.

Why some people pay less for insurance in Northborough

Consumers need to have an understanding of the different types of things that play a part in calculating the rates you pay for car insurance. Understanding what impacts premium levels allows you to make educated decisions that can help you get much lower annual insurance costs.

Bad driving skills means higher rates - Your driving record impacts your car insurance rates tremendously. Good drivers receive lower rates than their less careful counterparts. Even one moving violation can increase rates forty percent or more. Drivers who get dangerous violations like DWI, reckless driving or hit and run convictions may be required to file a SR-22 to the state department of motor vehicles in order to prevent a license revocation.
Liability coverage is cheap - Your policy's liability coverage provides coverage in the event that you are found liable for damages from an accident. It will provide legal defense which can be incredibly expensive. Liability is cheap as compared to coverage for physical damage, so do not cut corners here.
Do you know your deductibles? - Physical damage insurance, otherwise known as comp (or other than collision) and collision, protects your car from damage. Examples of covered claims would be colliding with a building, damage from fire, and windstorm damage. Deductibles for physical damage are the amount of money you are willing to pay out-of-pocket before a claim is paid by your company. The more you're willing to pay, the less your car insurance will be.
Your credit rating is important - Your credit score is a large factor in calculating your car insurance rates. Drivers with high credit ratings tend to file fewer claims and have better driving records than drivers with lower ratings. So if your credit score is low, you could save money insuring your by repairing your credit.
More miles equals more premium - The higher the mileage driven in a year the higher your rates will be. Most companies charge to insure your cars based upon how you use the vehicle. Cars and trucks used primarily for pleasure use receive lower rates than those used for commuting. Double check that your car insurance declarations sheet is showing the correct usage for each vehicle, because improper ratings can cost you money.
Lower rates with optional equipment - Choosing a vehicle that has an advanced theft prevention system can save you a little every year. Theft prevention devices like GM's OnStar, tamper alarm systems and vehicle immobilizers can thwart car theft.

How to Compare Car Insurance in Northborough, Massachusetts

Reducing your insurance rates is a fairly straight forward process. Just take a couple of minutes comparing price quotes from different insurance companies. This is very easy and can be done in a couple of different ways.

The fastest way to get the best comparison quotes is to use a rate comparison form click here to open form in new window. This easy form prevents you from having to do separate quote forms for each company you want a rate for. Filling out one form gets you price quotes from many national carriers.
A slightly less efficient method to compare rate quotes requires a trip to each company website to complete their respective quote request forms. For examples sake, we'll pretend you want to compare rates from , and . To get each rate you have to take the time to go to each site to input your insurance information, which is why most consumers use the first method.

To view a list of companies in Northborough, click here.

It's up to you which method you use, but ensure you are comparing the exact same quote information on every quote you get. If you use mixed coverages it will be next to impossible to determine which rate is truly the best in Northborough.

Take advantage of discounts

Companies offering auto insurance don't always list every available discount in an easy-to-find place, so we researched both the well known and the more hidden savings tricks you should be using. If they aren't giving you every credit possible, you are paying more than you should be.

Discount for Good Grades - This discount can earn a discount of 20% or more. Earning this discount can benefit you up until you turn 25.
Organization Discounts - Being a member of certain professional organizations is a good way to get lower rates on your policy.
Multiple Cars - Insuring all your vehicles with the same company could earn a price break for each car.
Anti-lock Brake System - Vehicles equipped with ABS or steering control can avoid accidents and earn discounts up to 10%.
Save with a New Car - Buying coverage on a new vehicle can cost up to 25% less because new vehicles have to meet stringent safety requirements.
Pay Now and Pay Less - If you pay your entire premium ahead of time instead of making monthly payments you can actually save on your bill.

A little note about advertised discounts, most discount credits are not given to all coverage premiums. Most only apply to the cost of specific coverages such as medical payments or collision. So despite the fact that it appears all the discounts add up to a free policy, you won't be that lucky.

To choose providers with discount car insurance rates in Northborough, click here to view.

Are car insurance companies telling the truth?

Consumers in Massachusetts can't ignore all the ads that promise big savings by companies like State Farm and Allstate. All the ads make an identical promise about savings if you change to them.

How do they all claim to save you money?

Insurance companies are able to cherry pick for the type of driver that makes them money. For instance, a preferred risk might be over the age of 50, has no driving citations, and has great credit. Any driver who meets those qualifications is entitled to the best price and most likely will cut their rates substantially.

Drivers who don't qualify for the "perfect" profile will be charged a higher premium and ends up with the customer not buying. The ads state "people who switch" not "people who quote" save money. That's the way companies can truthfully advertise the savings. That is why you need to get as many quotes as possible. You cannot predict which car insurance company will fit your personal profile best.

Even more information is located at the Massachusetts Division of Insurance website. Visitors are able to file complaints about a company, find out which companies have the most complaints, report car insurance fraud, and find out industry alerts.

And the best car insurance company is...

We just presented some good ideas how you can compare car insurance prices online. It's most important to understand that the more you quote, the better likelihood of reducing your rate. You may be surprised to find that the biggest savings come from a company that doesn't do a lot of advertising. These smaller insurers may cover specific market segments cheaper than their larger competitors like .

Cheaper car insurance can be sourced both online and with local Northborough insurance agents, and you should be comparing both to have the best selection. There are still a few companies who do not offer online price quotes and many times these small, regional companies only sell through independent insurance agents.

When you buy insurance online, never reduce coverage to reduce premium. There have been many cases where someone sacrificed liability coverage limits only to discover later that the few dollars in savings costed them thousands. Your goal should be to buy a smart amount of coverage at an affordable rate, not the least amount of coverage.