Tightwads Guide for Saving on Oak Bluffs Auto Insurance

No one in their right mind looks forward to paying for auto insurance, especially knowing the cost is too high.

Big companies like GEICO and Progressive all claim big savings with TV and radio ads and it can be hard to sift through the bull and effectively compare rates to find the best deal.

If you have car insurance now, you stand a good chance to be able to reduce your rates substantially using these methods. Buying car insurance in Oak Bluffs is not that difficult. Although Massachusetts vehicle owners do need to know the way insurance companies sell insurance online.

auto insurance in Oak Bluffs

Vehicle Insurance Comparison

There are several ways of comparing rate quotes from different Oak Bluffs insurance companies. The best method to find the lowest rates is to perform an online rate comparison. This can be done using a couple different methods.

  • The recommended way to find the lowest comparison rates is to use a rate comparison form like this one (opens in new window). This method prevents you from having to do a different quote for every auto insurance company. Just one form will return quotes .
  • A less efficient way to get quotes online is to take the time to go to the website for every company you want to comare to request a price quote. For example, let's say you want to compare , and . To get rate quotes you would need to visit each site and enter your information, which is why the first method is quicker. To view a list of companies in Oak Bluffs, click here.

It doesn't matter which method you choose, just be sure to compare exactly the same coverages and limits for each price quote. If you have different deductibles you can't possibly truly determine the lowest rate in Oak Bluffs. Just a small difference in coverages may result in a large different in cost. Keep in mind that getting more free quotes will improve the odds of getting a lower rate.

Save big with these discounts

Insurance can be prohibitively expensive, but there could be available discounts that you may not even be aware of. Larger premium reductions will be automatically applied when you get a quote, but some may not be applied and must be asked about before you will receive the discount.

  • Defensive Driver - Completing a course teaching defensive driving skills can save you 5% or more and easily recoup the cost of the course.
  • Early Signing - Some companies give discounts for signing up before your current expiration date. This can save 10% or more.
  • Passive Restraints - Vehicles equipped with air bags or motorized seat belts can qualify for discounts of 20% or more.
  • No Accidents - Good drivers with no accidents pay less when compared with bad drivers.
  • Payment Discounts - If you pay your bill all at once instead of paying each month you may reduce your total bill.
  • Discount for Life Insurance - Companies who offer life insurance give better rates if you take out a life insurance policy as well.
  • Paperless Signup - Certain companies give back up to $50 for buying your policy digitally online.

A little note about advertised discounts, most credits do not apply to the entire policy premium. Some only reduce specific coverage prices like liability and collision coverage. So even though they make it sound like all the discounts add up to a free policy, you won't be that lucky. Any amount of discount will reduce your overall premium however.

To see a list of insurers offering auto insurance discounts in Oak Bluffs, follow this link.

But I don't know anything about car insurance

When choosing coverage for your vehicles, there really is not a one size fits all plan. Your needs are not the same as everyone else's and a cookie cutter policy won't apply. These are some specific questions may help highlight if your situation would benefit from professional advice.

  • Should I have combined single limit or split liability limits?
  • Does my car insurance cover rental cars?
  • Should I drop comprehensive coverage on older vehicles?
  • What companies insure drivers after a DUI or DWI?
  • Are my tools covered if they get stolen from my vehicle?
  • What are the financial responsibility laws in Massachusetts?

If you don't know the answers to these questions, then you may want to think about talking to a licensed insurance agent. If you don't have a local agent, fill out this quick form or go to this page to view a list of companies.

Additional Massachusetts consumer information

Additional information can be read on the website for the Massachusetts Division of Insurance found here. Massachusetts drivers can discover disciplinary actions, learn about specific coverages, find out industry alerts, and read industry bulletins.