Getting the Cheapest Pembroke Auto Insurance

Did you fall for a flashy sales pitch and buy an underperforming, overpriced auto insurance policy? Believe me, there are a lot of people in Pembroke just like you who feel imprisoned by their auto insurance policy. Insurance companies such as GEICO and Progressive all promote huge savings with advertising and it is challenging if not impossible to sift through the bull and take the time to shop coverage around.

It's important to get comparison quotes every six months since insurance rates are constantly changing. Just because you found the best price last year there is a good chance you can find better rates now. Forget all the misinformation about auto insurance because you're about to find out how to use online quotes to buy cheaper auto insurance.

Understand what determines the rate you pay

Consumers need to have an understanding of the factors that help determine auto insurance rates. Having a good understanding of what influences your rates helps enable you to make changes that can help you get big savings.

Multiple policies with one company can save - Many insurance companies give discounts to people who buy several policies from them such as combining an auto and homeowners policy. This can amount to 10 percent or more. Even with this discount, it's in your best interest to comparison shop to confirm you are receiving the best rates possible. You may still find a better deal by splitting coverages up.
Liability insurance protects assets - Liability coverage provides coverage in the event that a jury decides you are liable for damages caused by your negligence. Liability insurance provides for a legal defense which can cost thousands of dollars. Liability is cheap when compared with rates for comp and collision, so do not skimp.
Do you know your deductibles? - Insurance for physical damage to your car, otherwise known as comp (or other than collision) and collision, protects your car from damage. Some examples of claims that would be covered are running into the backend of another car, vandalism, and burglary. The deductibles are the amount of money you are required to spend before your auto insurance pays a claim. The higher the amount the insured has to pay upfront, the less your auto insurance will be.
No coverage gaps is important - Allowing your auto insurance policy to lapse will be a fast way to pay more for auto insurance. And not only will insurance be more expensive, but being ticketed for driving with no insurance might get you a license revocation or jail time.
More claims means more premium - Insurance companies in Massachusetts generally give cheaper rates to drivers who do not rely on their insurance for small claims. If you frequently file small claims, you can expect either a policy non-renewal or much higher rates. Insurance coverage is intended to be relied upon for the large, substantial claims.
Clean credit earns discounts - Your credit history is a huge factor in calculating your auto insurance rates. Therefore, if your credit is not that good, you could save money insuring your by improving your credit score. Consumers who have high credit ratings tend to be less risk to insure than those with lower credit scores.

Compare Quotes for Pembroke Auto Insurance

Effectively comparing auto insurance prices can be a lot of work if you don't understand the best way to get rate quotes. You can spend your afternoon talking to local insurance agents in Pembroke, or you can stay home and use the web to get rate comparisons in just a few minutes.

Most of the larger companies participate in a marketplace that enables customers to send in one quote, and at least one company can give them a price. This prevents consumers from doing quote forms to each individual auto insurance company.

To submit your quote information now, click here to open in new window.

The one downside to using this type of system is you don't know exactly which providers you want to price. If you prefer to choose specific insurance companies to receive pricing from, we have assembled a list of the cheapest auto insurance companies in Massachusetts. Click to view list.

Whichever method you choose, ensure you are comparing exactly the same quote information on every quote. If you compare mixed coverages you will not be able to make a fair comparison in Pembroke.

Don't pay full price with these discounts

Car insurance is not cheap, but companies offer discounts that you may not know about. Some discounts apply automatically when you complete an application, but a few need to be asked for before they will apply. If you aren't receiving every discount possible, you are paying more than you should be.

Theft Prevention System - Vehicles with anti-theft systems help deter theft and therefore earn up to a 10% discount.
Multiple Vehicles - Having multiple vehicles with the same company qualifies for this discount.
Homeowners Discount - Being a homeowner can save you money due to the fact that maintaining a home is proof that your finances are in order.
Seat Belt Usage - Using a seat belt and requiring all passengers to buckle their seat belts can save up to 15% on the medical payments or PIP coverage costs.
Federal Government Employee - Employees or retirees of the government may qualify you for a discount with certain companies.

It's important to note that some credits don't apply to all coverage premiums. Most cut the price of certain insurance coverages like comprehensive or collision. Just because you may think having all the discounts means you get insurance for free, you're out of luck. But any discount will reduce your premiums.

To choose providers who offer auto insurance discounts in Pembroke, click here.

The auto insurance bait and switch

Massachusetts drivers can't ignore all the ads that promise big savings from companies such as Allstate and Progressive. All the ads have a common claim that you can save after switching your policy.

How can each company say the same thing? This is how they do it.

All the different companies are able to cherry pick for the right customer that makes them money. For example, a preferred risk might be profiled as over the age of 50, has no driving citations, and drives newer vehicles. A propective insured that hits that "sweet spot" gets the lowest rates and therefore will save when they switch companies.

Consumers who don't measure up to the requirements will be charged higher rates and this can result in business not being written. The ads say "drivers who switch" not "everyone that quotes" save that kind of money. That's the way insurance companies can claim big savings.

That is why you need to get as many quotes as possible. It's not possible to predict which auto insurance company will give you the biggest savings.

More information can be found on the website for the Massachusetts Division of Insurance. Click here for link. Massachusetts drivers can read consumer alerts, find out which companies have the most complaints, report car insurance fraud, and find a variety of consumer forms.

Best coverage at the best price

When trying to cut insurance costs, it's a bad idea to reduce coverage to reduce premium. Too many times, someone sacrificed physical damage coverage only to regret at claim time that it was a big mistake. The aim is to purchase plenty of coverage for the lowest price, not the least amount of coverage.

Lower-priced auto insurance can be sourced on the web in addition to many Pembroke insurance agents, and you should be comparing both to get a complete price analysis. A few companies do not provide online price quotes and many times these regional insurance providers only sell through independent insurance agents.