Palmer Auto Insurance For Less Than You're Paying Now

If you've never shopped for auto insurance online, you can be overwhelmed by the large number of auto insurance companies selling insurance in Palmer.

It's important to take a look at other company's rates periodically because prices are constantly changing. Even if you got the lowest rates last year there may be better deals available now. So just forget anything you know (or think you know) about auto insurance because you're going to get a crash course in the tricks you need to know to reduce your cost while increasing coverage.

Massachusetts auto insurance quotes

Policy discounts you shouldn't miss

Companies offering auto insurance don't list all their discounts in a way that's easy to find, so we break down both the well known as well as the least known ways to save on auto insurance. If you aren't receiving every discount you qualify for, you're just leaving money on the table.

  • Bundle and Save - When you have multiple policies with one company you may earn at least 10% off all policies.
  • Good Student - Getting good grades can earn a discount of 20% or more. This discount can apply well after school through age 25.
  • Save with a New Car - Buying coverage on a new vehicle can save up to 30% because new vehicles have to meet stringent safety requirements.
  • Payment Method - If paying your policy premium upfront rather than paying monthly you may reduce your total bill.
  • Sign Online - A few companies may give you up to $50 for buying your policy digitally online.
  • Braking Control Discount - Vehicles with anti-lock braking systems can reduce accidents and will save you 10% or more.

A little note about advertised discounts, most discount credits are not given to the entire policy premium. The majority will only reduce individual premiums such as collision or personal injury protection. So when it seems like all the discounts add up to a free policy, you won't be that lucky.

For a list of companies who offer auto insurance discounts in Palmer, click this link.

Palmer Auto Insurance Comparisons

Finding a better price on auto insurance can be quick and easy. Consumers just need to take a few minutes getting comparison quotes provided by online insurance companies. It is quite easy and can be accomplished using a couple different methods.

One of the best ways to get quotes for comparison is a comparison rater form like this one (opens in new window). This form keeps you from doing separate forms for each company you want a rate for. Just one form gets rate comparisons from several companies. It's the fastest way to compare.

A slightly less efficient method to shop for auto insurance online is spending the time to visit the website for each individual company and complete a new quote form. For instance, we'll pretend you want to compare , and . To get each rate you have to go to every website and enter your policy data, which is why the first method is more popular.

For a list of links to companies insuring cars in Palmer, click here.

The hardest method to get comparison rates is to drive around to insurance agents' offices. Buying insurance online makes this process obsolete unless you require the trained guidance that only a license agent can provide. Drivers can compare online quotes but buy from a local insurance agent. We'll cover that shortly.

It's up to you how you get prices quotes, just be sure to compare exactly the same information on every quote. If you are comparing higher or lower deductibles it's not possible to make a fair comparison in Palmer.

Insurance agents can help

When it comes to choosing adequate coverage for your vehicles, there really is not a perfect coverage plan. Coverage needs to be tailored to your specific needs.

For example, these questions may help highlight whether your personal situation may require specific advice.

  • What are the best liability limits?
  • Should I buy only the required Massachusetts minimum liability coverage?
  • Who is covered when they drive my vehicle?
  • What can I do if my company won't pay a claim?
  • Does medical payments coverage apply to all occupants?
  • Should I file a claim if it's only slightly more than my deductible?

If it's difficult to answer those questions but you think they might apply to your situation, then you may want to think about talking to a licensed insurance agent. To find an agent in your area, fill out this quick form. It's fast, free and can help protect your family.

In the end, you save

As you prepare to switch companies, it's not a good idea to sacrifice coverage to reduce premiums. In many instances, someone dropped uninsured motorist or liability limits only to regret that the small savings ended up costing them much more. The ultimate goal is to buy the best coverage you can find at a price you can afford.

We covered some good ideas how to get a better price on auto insurance. The most important thing to understand is the more rate quotes you have, the higher your chance of finding lower rates. You may be surprised to find that the biggest savings come from the least-expected company.

Insureds change insurance companies for a number of reasons such as policy non-renewal, high prices, delays in paying claims and unfair underwriting practices. No matter why you want to switch, choosing a new insurance company is not as hard as you think.