Find the Cheapest Plainville Auto Insurance

Finding the lowest price for Plainville auto insurance may seem to be difficult if you are a beginner to online quoting. But relax because comparing prices is actually very simple.

If you have a current auto insurance policy or need a new policy, you can learn to get lower rates while maximizing coverage. This article will familiarize you with how car insurance quotes work and some tricks to saving. Massachusetts drivers only need an understanding of the proper way to get comparison rates over the internet.

Save big with these discounts

Companies do not list every discount in a way that's easy to find, so here is a list some of the best known and the harder-to-find auto insurance savings. If you aren't receiving every discount you qualify for, you are throwing money away.

  • Federal Employees - Active or retired federal employment can save as much as 8% with a few auto insurance companies.
  • Good Student - Performing well in school can get you a discount of up to 25%. The discount lasts well after school through age 25.
  • Senior Discount - If you qualify as a senior citizen, you may be able to get reduced rates.
  • Drivers Ed for Students - Make teen driver coverage more affordable by requiring them to successfully complete driver's ed class if it's offered in school.
  • Military Rewards - Having a deployed family member may qualify for rate reductions.
  • Anti-lock Brake Discount - Cars that have steering control and anti-lock brakes can reduce accidents and earn discounts up to 10%.
  • Early Switch Discount - Select companies give a discount for signing up prior to your current policy expiring. It's a savings of about 10%.
  • Anti-theft Discount - Anti-theft and alarm systems help deter theft and therefore earn up to a 10% discount.

Consumers should know that most credits do not apply to the entire policy premium. Most only reduce the price of certain insurance coverages like comp or med pay. Just because you may think it's possible to get free car insurance, companies don't profit that way.

But I don't know anything about car insurance

When it comes to buying proper insurance coverage for your vehicles, there really is not a one size fits all plan. Every insured's situation is different.

These are some specific questions may help highlight if your situation would benefit from an agent's advice.

  • Am I covered if I drive in a foreign country?
  • Do I need to file an SR-22 for a DUI in Massachusetts?
  • Should I buy additional glass protection?
  • Is my cargo covered for damage or theft?
  • Am I covered when pulling a rental trailer?
  • Does my insurance cover a custom paint job?

If you don't know the answers to these questions, then you may want to think about talking to an agent. To find lower rates from a local agent, simply complete this short form. It's fast, doesn't cost anything and may give you better protection.

Auto insurance ads bend the truth

Massachusetts drivers get pounded daily by advertisements for cheaper car insurance by companies like Progressive, Allstate and GEICO. They all say the same thing of big savings after switching to them.

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

All companies have a certain "appetite" for the type of driver that earns them a profit. An example of a driver they prefer might be profiled as between 25 and 40, a clean driving record, and has excellent credit. A propective insured who fits that profile will get the preferred rates and most likely will save when they switch companies.

Potential customers who fall outside the requirements will be quoted a higher premium which usually ends up with business not being written. The ads state "drivers who switch" not "people who quote" save money. That is how insurance companies can confidently make those claims. This emphasizes why you should get a wide range of price quotes. It's not possible to predict which company will have the lowest rates.

More tips and info about auto insurance is available at the Massachusetts Division of Insurance website. Massachusetts drivers can download brochures, file complaints about a company, and learn about insurance regulations.

Massachusetts auto insurance

In the end, you save

Consumers change insurance companies for any number of reasons including extreme rates for teen drivers, poor customer service, denial of a claim and even unfair underwriting practices. Whatever your reason, switching auto insurance companies is less work than it seems.

In this article, we covered a lot of tips how to reduce auto insurance prices online. The most important thing to understand is the more price quotes you have, the higher the chance of saving money. Consumers may even find the most savings is with a lesser-known regional company.

While you're price shopping online, it's not a good idea to buy lower coverage limits just to save a few bucks. There are too many instances where someone dropped liability limits or collision coverage only to find out they didn't purchase enough coverage. Your strategy should be to get the best coverage possible for the lowest price while still protecting your assets.