Free Guide to Paying Less for Roslindale Car Insurance Online

Paying for high-priced car insurance can empty your savings account and force you to prioritize other expenses. Comparison shopping is free and is an excellent way to reduce premiums and put more money in your pocket.

Insurance companies such as State Farm, Allstate, GEICO and Progressive constantly bombard you with fancy advertisements and it is difficult to sift through the bull and find the best price available.

It's important to take a look at other company's rates quite often because rates are constantly changing. If you had the best price a couple years back a different company probably has better rates today. Block out anything you think you know about car insurance because you're about to find out the fastest and easiest way to find the best coverage while lowering your premiums.

Be sure to get all your discounts

Companies that sell car insurance don't necessarily list every available discount in a way that's easy to find, so we took the time to find some of the more common and the harder-to-find ways to save on car insurance.

  • Good Student Discount - Performing well in school can save 20 to 25%. This discount can apply up to age 25.
  • 55 and Retired - If you qualify as a senior citizen, you can possibly qualify for better car insurance rates.
  • No Accidents - Drivers who don't have accidents can save substantially compared to drivers who are more careless.
  • Service Members Pay Less - Having a family member in the military can result in better rates.
  • Clubs and Organizations - Belonging to a civic or occupational organization could trigger savings on your policy.
  • Pay Upfront and Save - If paying your policy premium upfront instead of monthly or quarterly installments you may reduce your total bill.

A little note about advertised discounts, most discount credits are not given to the overall cost of the policy. Most only cut the price of certain insurance coverages like medical payments or collision. So even though they make it sound like you would end up receiving a 100% discount, you won't be that lucky.

Massachusetts car insurance

Roslindale Rates are Influenced by These Factors

Smart consumers have a good feel for the rating factors that come into play when calculating your car insurance rates. Having a good understanding of what impacts premium levels enables informed choices that can help you get better car insurance rates.

The list below includes a few of the "ingredients" car insurance companies consider when setting your rates.

  • How's your driving record? - Careful drivers tend to pay less for car insurance than people who have multiple driving citations. Only having one moving violation can boost insurance rates by as much as thirty percent. Drivers who get severe violations like reckless driving, hit and run or driving under the influence may be required to submit a SR-22 or proof of financial responsibility with their state motor vehicle department in order to drive a vehicle legally.
  • Men fork out a little more - Statistics have proven women are more cautious behind the wheel. However, don't assume that men are worse drivers. Men and women have accidents in similar percentages, but men cause more damage and cost insurance companies more money. Men also have more aggressive citations such as reckless driving.
  • Rates may be higher depending on your occupation - Occupations like lawyers, executives and dentists tend to have the highest average rates in part from high stress levels and long work hours. Other occupations like pilots, historians and the unemployed receive lower rates.
  • Safe vehicles cost less to insure - Safer cars tend to have better insurance rates. Safer cars reduce injuries and fewer injuries translates into savings for insurance companies and more competitive rates for policyholders.
  • Older drivers pay less - More mature drivers tend to be more responsible, tend to cause fewer accidents and are safer drivers. Young drivers tend to be more careless when driving and because of this, their car insurance rates are much higher.

How do I know if I need professional advice?

When it comes to buying the right insurance coverage for your personal vehicles, there really is not a best way to insure your cars. Everyone's situation is unique so this has to be addressed. For example, these questions may help you determine whether or not you would benefit from an agent's advice.

  • Do I need to file an SR-22 for a DUI in Massachusetts?
  • Should I put collision coverage on all my vehicles?
  • What companies insure drivers after a DUI or DWI?
  • Do I have coverage when using my vehicle for my home business?
  • Am I covered by my employer's commercial auto policy when driving my personal car for business?
  • Why am I be forced to buy a membership to get insurance from some companies?
  • What can I do if my company won't pay a claim?
  • Do I really need UM/UIM coverage?

If it's difficult to answer those questions but one or more may apply to you, then you may want to think about talking to a licensed insurance agent. If you want to speak to an agent in your area, fill out this quick form or click here for a list of car insurance companies in your area.

Is there truth in advertising?

Companies like State Farm and Allstate regularly use television and radio advertisements. All the ads make the same claim about savings if you move to their company. How can each company make the same claim? This is how they do it.

Different companies have a preferred profile for the driver that earns them a profit. For example, a preferred risk could be between 25 and 40, insures multiple vehicles, and drives less than 10,000 miles a year. A customer who matches those parameters will qualify for the lowest rates and is almost guaranteed to save when they switch companies.

Potential customers who don't measure up to the requirements will be charged a higher premium which leads to business going elsewhere. The ad wording is "drivers who switch" but not "drivers who get quotes" save that much. This is how companies can truthfully advertise the way they do. That is why drivers should get quotes from several different companies. Because you never know which insurance companies will provide you with the cheapest rates.

Even more information can be found at the Massachusetts Division of Insurance website. Consumers can file complaints about a company, learn about insurance regulations, read industry bulletins, and find disaster information.

Roslindale car insurance comparison

The best insurance company isn't always the cheapest

We just showed you some good ideas how to reduce car insurance prices online. The key concept to understand is the more you quote, the better chance you'll have of finding lower rates. You may be surprised to find that the most savings is with a smaller regional carrier. Regional companies may cover specific market segments cheaper compared to the large companies like .

As you go through the steps to switch your coverage, it's not a good idea to skimp on coverage in order to save money. There have been many cases where drivers have reduced physical damage coverage only to discover later that the savings was not a smart move. Your goal should be to purchase a proper amount of coverage for the lowest price, not the least amount of coverage.