Consumer Tested Strategies to Save on Orange Car Insurance

Having to pay for overpriced car insurance can dwindle your checking account and make it hard to pay other bills. Comparing price quotes is free, only takes a few minutes, and is a good way to reduce premiums and put more money in your pocket. With so many choices, it is hard for the average consumer to find the best car insurance company.

Buying car insurance in Orange is quite easy. If you have car insurance now, you will most likely be able to reduce your rates substantially using these methods. Massachusetts drivers only need an understanding of the most efficient way to get comparison rates online.

You have some control over your rates

Consumers need to have an understanding of the different types of things that go into determining your car insurance rates. When you know what positively or negatively determines base rates enables informed choices that could result in lower car insurance prices.

Listed below are some of the items car insurance companies consider when setting premiums.

Protect yourself with liability coverage - Liability insurance is the protection if you are found to be at fault for causing damage or personal injury in an accident. It will provide you with a defense in court starting from day one. Carrying liability coverage is mandatory and cheap compared to physical damage coverage, so do not cut corners here.
Battle of the sexes - Statistics have proven women tend to be less risk to insure than men. That doesn't necessarily mean that men are worse drivers. Women and men tend to get into accidents at a similar rate, but the male of the species cause more damage. Men also tend to receive more costly citations such as reckless driving. Male drivers age 16 to 19 are several times more likely to be in an accident and are penalized with high car insurance rates.
How credit affects car insurance rates - A driver's credit score is a large factor in determining what you pay for car insurance. So if your credit rating is lower than you'd like, you could save money insuring your by improving your rating. Drivers who have excellent credit tend to be better drivers and file fewer claims than drivers with poor credit.
How's your driving record? - Careful drivers receive lower rates than bad drivers. Even one citation can boost insurance rates by as much as thirty percent. Drivers with serious tickets such as reckless driving, hit and run or driving under the influence are required to file a SR-22 with their state motor vehicle department in order to continue driving.
Discounts for multiple policies - Most insurers will award you with lower prices to policyholders who carry more than one policy, otherwise known as a multi-policy discount. If you currently are using one company, you may still want to comparison shop to ensure the best deal.
Pay less if you're married - Getting married can actually save you money on your policy. Having a spouse means you're more mature and responsible and it's statistically proven that married drivers get in fewer accidents.

Car Insurance Prices in Orange, Massachusetts

Reducing your insurance rates can be relatively painless. You just have to spend a little time comparing rates online with multiple companies. This can be accomplished using a couple different methods.

The fastest way to find the lowest comparison rates is to use a rate comparison form (click to open form in new window). This easy form saves time by eliminating repetitive form entry for every car insurance company. One form submission compares rates direct from many companies.
Another way to get quotes online is going to each individual company website to complete a price quote. For instance, we'll pretend you want comparison quotes from , and . To get rate quotes you would need to go to every website and enter your information, which is why most consumers use the first method.

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

It's up to you which method you use, but ensure you are comparing apples-to-apples coverage limits and deductibles with each company. If you are comparing different liability limits it will be next to impossible to make an equal comparison in Orange.

Save big with these discounts

Companies offering auto insurance don't always publicize all available discounts very well, so the following is a list of some of the more common and the more hidden savings tricks you should be using. If you don't get every credit you deserve, you are paying more than you should be.

Multi-car Discount - Insuring more than one vehicle with the same company could earn a price break for each car.
Accident Waiver - Some insurance companies permit an accident before hitting you with a surcharge so long as you haven't had any claims prior to the accident.
Anti-lock Brake System - Vehicles equipped with ABS or steering control are safer to drive and earn discounts up to 10%.
Good Student Discount - This discount can get you a discount of up to 25%. The good student discount can last until age 25.
Anti-theft Discount - Cars that have factory anti-theft systems are stolen less frequently and qualify for as much as a 10% discount.
Paperless Signup - Certain companies will give a small break simply for signing online.
Organization Discounts - Belonging to a professional or civic organization is a good way to get lower rates when buying car insurance.

It's important to understand that most discount credits are not given to all coverage premiums. The majority will only reduce the cost of specific coverages such as physical damage coverage or medical payments. Just because 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 Massachusetts, click here to view.

Car insurance ads bend the truth

Consumers can't ignore all the ads for car insurance savings by Allstate, GEICO and Progressive. All the companies make an identical promise of big savings if you switch to their company.

But how can every company make the same claim?

All companies have a preferred profile for the driver that makes them money. A good example of a profitable customer could be between the ages of 30 and 50, insures multiple vehicles, and has a short commute. A customer who meets those qualifications gets the lowest rates and most likely will save a lot of money.

Potential insureds who fall outside this ideal profile must pay more money and ends up with business going elsewhere. Company advertisements say "people who switch" not "people who quote" save that much. This is how insurance companies can confidently make the claims of big savings. This illustrates why you need to get as many quotes as possible. Because you never know which insurance companies will fit your personal profile best.

More tips and info about car insurance can be read at the Massachusetts Division of Insurance website. Consumers can find out which companies have the most complaints, learn about insurance regulations, find out industry alerts, and file complaints about a company.

Other informative sites include this link for Massachusetts car insurance quotes and this page for help finding agents in Orange, MA.

Best coverage at the best price

Low-cost car insurance can be found from both online companies and also from your neighborhood Orange agents, and you should compare price quotes from both to have the best chance of lowering rates. Some insurance providers may not provide online price quotes and usually these small insurance companies provide coverage only through local independent agents.

As you shop your coverage around, do not reduce coverage to reduce premium. In too many instances, drivers have reduced collision coverage and discovered at claim time that saving that couple of dollars actually costed them tens of thousands. Your focus should be to buy the best coverage you can find at an affordable rate while not skimping on critical coverages.

We just showed you some good ideas how you can compare car insurance prices online. The key thing to remember is the more rate comparisons you have, the more likely it is that you will get a better rate. You may be surprised to find that the lowest rates come from a company that doesn't do a lot of advertising. These smaller insurers can often provide lower rates in certain areas than their larger competitors like .