5 Ways to Save on Car Insurance in Roxbury

Beginners to buying insurance online will find purchasing low-cost Roxbury car insurance is more work than they anticipated.

It's important to check car insurance prices periodically since rates are constantly changing. Despite the fact that you may have had the lowest rates a few years ago you will most likely find a better rate today. Starting right now, forget anything you know (or think you know) about car insurance because we're going to show you the tricks you need to know to save money, get proper coverage and the best rates.

If you have a current car insurance policy or are looking for a new policy, you can learn to get lower rates and still get good coverage. This information will familiarize you with how to get online quotes. Massachusetts drivers only need an understanding of the proper way to compare rates over the internet.

Policy discounts you shouldn't miss

The cost of insuring your cars can be expensive, but there are discounts available to cut the cost considerably. Some trigger automatically when you purchase, but lesser-known reductions have to be manually applied before being credited. If they aren't giving you every credit you qualify for, you are throwing money away.

  • New Car Discount - Putting insurance coverage on a new car is cheaper because new vehicles have to meet stringent safety requirements.
  • Good Student - Performing well in school can earn a discount of 20% or more. This discount can apply well after school through age 25.
  • 55 and Retired - If you qualify as a senior citizen, you may be able to get reduced rates.
  • Multiple Vehicles - Buying insurance for multiple vehicles on one policy qualifies for this discount.
  • Anti-lock Brake Discount - Cars that have steering control and anti-lock brakes can reduce accidents and will save you 10% or more.

Consumers should know that most credits do not apply to the entire policy premium. Most cut the price of certain insurance coverages like liability, collision or medical payments. So even though it sounds like all the discounts add up to a free policy, companies don't profit that way. Any qualifying discounts will cut the amount you have to pay.

Roxbury car insurance comparison

Insurance agents can help

When it comes to buying adequate coverage for your vehicles, there is no "perfect" insurance plan. Everyone's situation is unique.

For example, these questions may help highlight whether your personal situation would benefit from an agent's advice.

  • Should I file a claim if it's only slightly more than my deductible?
  • Do I need to file an SR-22 for a DUI in Massachusetts?
  • Am I covered by my employer's commercial auto policy when driving my personal car for business?
  • Am I covered when driving on a suspended license?
  • Does my insurance cover a custom paint job?
  • Does my car insurance cover rental cars?

If you don't know the answers to these questions but a few of them apply, you might consider talking to an agent. If you don't have a local agent, simply complete this short form. It's fast, doesn't cost anything and may give you better protection.

Save $429 a year? Really?

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

How do they all make the same claim? This is how they do it.

Insurance companies have a certain "appetite" for the type of driver that earns them a profit. For example, a desirable insured could be between 25 and 40, a clean driving record, and drives less than 7,500 miles a year. Any new insured who fits that profile gets the lowest rates and is almost guaranteed to cut their rates substantially.

Consumers who don't qualify for the "perfect" profile will have to pay higher prices which usually ends up with business going elsewhere. The ads say "drivers who switch" but not "drivers who get quotes" save money. That is how insurance companies can confidently advertise the way they do.

Because of the profiling, you should compare as many rates as you can. It's just too difficult to predict which company will provide you with the cheapest rates.

Additional Massachusetts consumer information

Additional car insurance information can be found on the Massachusetts Division of Insurance website. Click here for link. Consumers can read enforcement actions against agents and companies, file complaints about a company, and report car insurance fraud.

Massachusetts car insurance

Best coverage at the best price

When shopping online for car insurance, never buy lower coverage limits just to save a few bucks. There are many occasions where someone dropped uninsured motorist or liability limits only to regret that a couple dollars of savings turned into a financial nightmare. Your aim should be to purchase plenty of coverage for the lowest price.

You just learned a lot of information how to reduce car insurance prices online. The most important thing to understand is the more times you quote, the better your comparison will be. Drivers may discover the most savings is with a smaller regional carrier.

Cost effective car insurance can be bought from both online companies and with local Roxbury insurance agents, so you should compare both in order to have the best price selection to choose from. Some car insurance companies do not offer you the ability to get quotes online and most of the time these regional insurance providers sell through independent agents.