7 Money Saving Ideas Guaranteed to Save Money on Car Insurance Costs in Northbridge

Having to pay for overpriced car insurance can empty your personal savings and force you to prioritize other expenses. Comparing price quotes is free, only takes a few minutes, and is a good way to make sure you're not throwing money away.

Popular companies such as State Farm, Allstate, GEICO and Progressive persitently shower you with ads and consumers find it hard to sift through the bull and take the time to shop coverage around.

It's important to shop coverage around on a regular basis since rates are constantly changing. If you had the lowest price a couple years back you will most likely find a better rate today. There is a lot of bad advice regarding car insurance online but we're going to give you some great ways to put money back in your pocket.

If you are paying for car insurance now, you will most likely be able to cut costs considerably using this strategy. Finding the best rates in Northbridge is quite easy. Nevertheless, Massachusetts car owners do need to know the methods companies use to market on the web because it can help you find the best coverage.

Are you getting all your discounts?

Companies don't necessarily list every available discount in a way that's easy to find, so we researched some of the more common and the more hidden savings tricks you should be using.

  • Theft Prevention System - Cars that have factory anti-theft systems help deter theft and qualify for as much as a 10% discount.
  • Own a Home - Being a homeowner can help you save on car insurance because of the fact that having a home shows financial diligence.
  • Claim Free - Drivers who don't have accidents pay much less compared to drivers who are more careless.
  • Lower Rates for Military - Being on active duty in the military can result in better rates.
  • Low Mileage - Keeping the miles down could be rewarded with discounted rates on garaged vehicles.
  • Clubs and Organizations - Belonging to a civic or occupational organization is a good way to get lower rates on your policy.
  • Pay Upfront and Save - If you pay your entire premium ahead of time instead of monthly or quarterly installments you could save up to 5%.

Consumers should know that most discounts do not apply to all coverage premiums. A few only apply to the cost of specific coverages such as comprehensive or collision. Just because you may think having all the discounts means you get insurance for free, companies don't profit that way.

Northbridge car insurance quote

How can Allstate and Progressive save drivers who switch?

Companies like Allstate and Progressive regularly use ads on television and other media. All the ads make an identical promise of big savings if you move your coverage to them. How can each company make the same claim?

All the different companies have a preferred profile for the type of customer that earns them a profit. For instance, a preferred risk could be over the age of 40, insures multiple vehicles, and drives less than 10,000 miles a year. Any new insured who meets those qualifications receives the best rates and as a result will probably save when they switch companies.

Potential customers who are not a match for the requirements will be charged a more expensive rate and ends up with business going elsewhere. Company advertisements say "people who switch" not "everybody who quotes" save that much money. This is how insurance companies can confidently advertise the way they do. That is why you should compare many company's rates. It's just too difficult to predict which insurance companies will provide you with the cheapest rates.

For more Massachusetts car insurance information

More tips and info about car insurance is located at the Massachusetts Division of Insurance website. Consumers can read consumer alerts, report car insurance fraud, read industry bulletins, and view a list of available companies.

Affordable insurance is out there

As you go through the steps to switch your coverage, it's not a good idea to buy lower coverage limits just to save a few bucks. Too many times, drivers have reduced collision coverage and learned later that the savings was not a smart move. The aim is to buy enough coverage at an affordable rate, not the least amount of coverage.

Cost effective car insurance is definitely available from both online companies as well as from independent agents in Northbridge, and you need to comparison shop both to have the best rate selection. Some car insurance companies don't offer you the ability to get quotes online and many times these small, regional companies only sell through independent insurance agents.