Top 10 Ways You Can Buy Car Insurance for Less in Princeton

Nobody I know likes having to buy car insurance, particularly when the cost is way too high. Because you have many choices, it can be hard to choose the cheapest car insurance company.

Car Insurance Comparison Rates in Princeton, MA

Getting better car insurance pricing is actually quite simple. You just have to spend a few minutes getting comparison quotes online from several insurance companies. This can be accomplished in a couple of different ways.

The first (and easiest) way to get quotes is to use a rate comparison form like this one (opens in new window). This form keeps you from doing separate quote forms for each company. Just one form gets you price quotes from many national carriers.

A more time consuming way to get quotes online requires visiting the website of each company and complete a new quote form. For examples sake, let's say you want to compare , and . You would have to take the time to go to each site and enter your policy data, which is why the first method is more popular.

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

It's up to you how you get prices quotes, just be sure to compare apples-to-apples quote information on every quote. If you use mixed coverages it's not possible to make a fair comparison in Princeton.

Save big with these ten discounts

Car insurance companies don't always list every discount very well, so we took the time to find both the well known as well as the least known ways to save on car insurance. If you don't get every credit you qualify for, you're just leaving money on the table.

Federal Employees - Simply working for the federal government can earn a discount up to 10% with a few car insurance companies.
Good Student - Getting good grades can save 20 to 25%. This discount can apply well after school through age 25.
Accident Forgiveness - Some insurance companies will forgive one accident without raising rates if your claims history is clear for a certain period of time.
Braking Control Discount - Vehicles with anti-lock braking systems can reduce accidents and earn discounts up to 10%.
Multiple Policy Discount - When you have multiple policies with the same company you may earn 10% to 20% off each policy.
Senior Citizens - Older drivers may be able to get reduced rates.
Distant Student - Any of your kids who attend school more than 100 miles from home and do not have access to a covered vehicle may qualify for this discount.
Driver Safety - Taking a defensive driving course can save you 5% or more depending on where you live.
Club Memberships - Being a member of a professional or civic organization could trigger savings when shopping for car insurance.
Homeowners Savings - Simply owning a home may earn you a small savings due to the fact that maintaining a home is proof that your finances are in order.

A little note about advertised discounts, most discount credits are not given to the entire policy premium. Most only apply to individual premiums such as comp or med pay. So even though they make it sound like you could get a free car insurance policy, you won't be that lucky.

For a list of insurance companies who offer car insurance discounts in Massachusetts, click this link.

But I don't know anything about car insurance

When it comes to choosing the right insurance coverage for your vehicles, there really is no "best" method to buy coverage. Coverage needs to be tailored to your specific needs so this has to be addressed. 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?
Does my policy cover me when driving someone else's vehicle?
Can I get a multi-policy discount for packaging my home and auto coverage?
What are the best liability limits?
Should I put collision coverage on all my vehicles?

If it's difficult to answer those questions but a few of them apply then you might want to talk to an agent. To find lower rates from a local agent, fill out this quick form or you can also visit this page to select a carrier It's fast, free and can help protect your family.

Even more information can be found at the Massachusetts Division of Insurance website. Visitors are able to download brochures, file complaints about a company, learn about insurance regulations, and find out industry alerts.

Other useful links include this site for car insurance rates in Massachusetts and this list of insurance agents in Princeton.

A tidy conclusion

We just covered some good ideas how to lower your car insurance rates. The most important thing to understand is the more price quotes you have, the better chance you'll have of finding lower rates. You may even find the most savings is with the least-expected company. Smaller companies may cover specific market segments cheaper than their larger competitors like .

Cheaper car insurance can be sourced both online and with local Princeton insurance agents, so you should compare both to get a complete price analysis. There are still a few companies who do not offer online quoting and these regional insurance providers work with independent agents.