Top 8 Ways You Can Buy Car Insurance for Less in Rockland Massachusetts

Are you tired of scraping the payment together each month for car insurance? You are in the same boat as many other drivers in Massachusetts.

Big-name insurance companies like State Farm, Allstate, GEICO and Progressive persitently shower you with catchy ads and it can be hard to sift through the bull and find the best price available.

It's important to do rate comparisons once or twice a year since rates are constantly changing. Just because you found the best deal a year ago there is a good chance you can find better rates now. So just forget all the misinformation about car insurance because we're going to show you the proper way to remove unneeded coverages and save money.

If you currently have car insurance, you stand a good chance to be able to save some money using these methods. Buying car insurance in Rockland is easy if you know what you're doing. But Massachusetts car owners do need to know how big insurance companies sell online and take advantage of how the system works.

Compare the Market for Car Insurance in Rockland

There are several ways to compare rate quotes and find the best price. One of the best ways to find competitive insurance rates is to use the internet to compare rates. This is very easy and can be done in several different ways.

The fastest way to get the best comparison quotes is to use a rate comparison form click to view form in new window. This method prevents you from having to do repetitive form submissions for each company. Taking the time to complete one form gets you price quotes from multiple companies.
A different way to get quotes online requires visiting each individual company website to request a price quote. For examples sake, let's say you want rates from , 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 quicker. To view a list of companies in Rockland, click here.
The least efficient way to get comparison rates is to spend time driving to different Rockland agent offices. The internet eliminates the need for an insurance agent unless you want the personal advice of a licensed agent. You can, however, find lower rates online and still use a local agent and we'll cover that in a bit.

Which method you use is up to you, but double check that you are using exactly the same quote information for each price quote. If the quotes have mixed coverages then you won't be able to truly determine the lowest rate in Rockland. Just a small difference in insurance coverages can mean a large discrepancy in price. It's important to know that more quotes will increase your chances of finding the best offered rates.

Save big with these eight discounts

Insuring your vehicles can cost a lot, but you may find discounts that you may not know about. A few discounts will automatically apply when you get a quote, but some must be specifically requested before you will receive the discount.

Homeowners Pay Less - Owning a house in Rockland may trigger a car insurance policy discount due to the fact that maintaining a home requires personal responsibility.
Payment Method - If you pay your bill all at once instead of making monthly payments you can actually save on your bill.
Military Rewards - Having a deployed family member may qualify for rate reductions.
Anti-theft System - Anti-theft and alarm systems help deter theft and earn discounts up to 10%.
Drive Less and Save - Fewer annual miles can qualify you for lower rates on the low mileage vehicles.
Passive Restraints - Factory air bags can qualify for discounts of more than 20%.
College Student - Children who live away from home and do not have access to a covered vehicle may qualify for this discount.
Anti-lock Brake Discount - Vehicles equipped with ABS or steering control can reduce accidents and earn discounts up to 10%.

Consumers should know that most credits do not apply to the entire cost. Most only reduce specific coverage prices like liability, collision or medical payments. So despite the fact that it appears you would end up receiving a 100% discount, companies don't profit that way. But all discounts will reduce your overall premium however.

To choose companies who offer car insurance discounts in Rockland, follow this link.

Car insurance ads bend the truth

Car insurance companies such as State Farm, GEICO and Progressive continually stream ads on TV and radio. They all seem to say the same thing that you'll save big after switching to them. How can each company make the same claim? It's all in the numbers.

Different companies can use profiling for the type of driver that makes them money. An example of a desirable insured could be between 30 and 50, has no tickets, and has excellent credit. Any new insured who fits that profile will get the preferred rates and most likely will save when they switch companies.

Drivers who fall outside the requirements will have to pay higher premiums which usually ends up with business going elsewhere. The ads state "customers who switch" not "people who quote" save money. That's why companies can make those claims.

Because of the profiling, you need to compare as many rates as you can. It's just too difficult to predict the company that will have the lowest rates.

Much more information about car insurance in Massachusetts is available on the website for the Massachusetts Division of Insurance found here. Consumers can get help finding coverage, view a list of available companies, find out industry alerts, and find disaster information.

Do the work, save more money

Discount car insurance can be sourced from both online companies and with local Rockland insurance agents, so compare prices from both to have the best chance of lowering rates. Some companies do not offer online price quotes and most of the time these smaller companies sell through independent agents.

While you're price shopping online, it's not a good idea to reduce coverage to reduce premium. In many cases, an insured dropped liability limits or collision coverage only to find out they didn't purchase enough coverage. Your aim should be to get the best coverage possible at the best price.