Getting Cheaper Shrewsbury Auto Insurance

Did you fall for a flashy sales pitch and buy an underperforming, overpriced auto insurance policy? Believe me, many Shrewsbury consumers feel financially strained by their auto insurance policy. Lots of contend for your insurance dollar, so it can be very hard to choose a and uncover the absolute lowest rate

It's important to compare prices at least once a year since insurance rates are constantly changing. Even if you got the best deal six months ago there is a good chance you can find better rates now. Starting right now, block out anything you think you know about auto insurance because it's time to teach you the proper way to find lower rates on auto insurance.

If you have a current auto insurance policy or are looking for a new policy, you will benefit by learning to find better prices while maximizing coverage. Finding affordable coverage in Shrewsbury is easy if you know what you're doing. Massachusetts vehicle owners just need to know the most efficient way to compare rates over the internet.

Good Decisions Result in Lower Rates

Consumers need to have an understanding of the factors that help determine auto insurance rates. Understanding what controls the rates you pay enables informed choices that may reward you with big savings.

The following are some of the factors auto insurance companies consider when setting rates.

Being married is a good thing - Being married can get you a discount on auto insurance. It means you're more mature than a single person it has been statistically shown that being married results in fewer claims.
Don't get talked into coverage you don't need - There are a ton of extra coverages that you can buy if you aren't careful. Coverages like vanishing deductibles, towing coverage and term life insurance are some examples. They may seem like a good idea when talking to your agent, but if they're wasting money get rid of them and save.
Lower miles equals lower premium - Driving more miles in a year the more you will pay for auto insurance. Most insurance companies price each vehicle's coverage based on how the vehicle is used. Cars not used for work or commuting can get a lower rate compared to those used for work or business. Ask your agent if your auto insurance coverage is showing the proper vehicle usage, because it can save money.
Safer cars are cheaper to insure - Vehicles with good safety scores get lower rates. These vehicles reduce injuries and better occupant protection means lower claim amounts and lower rates for you.
Do you have a high stress job? - Did you know your auto insurance rates can be affected by your occupation? Jobs such as doctors, social workers and accountants tend to have higher rates than average in part from stressful work requirements and lots of time spent at work. On the flip side, occupations like actors, athletes and performers receive lower rates.
Teen drivers pay high rates - Older insureds are viewed as being more responsible, file fewer claims and are safer drivers. Teenage drivers are known to be careless and easily distracted when behind the wheel therefore auto insurance rates are much higher.
Liability coverage is peace of mind - Liability coverage provides coverage if ever a jury decides you are liable for causing damage or personal injury in an accident. It provides legal defense coverage which can cost thousands of dollars. This coverage is very inexpensive when compared with rates for comp and collision, so do not skimp.

Quick Shrewsbury Auto Insurance Quotes

Reducing your insurance rates doesn't have to be difficult. Consumers just need to invest a few minutes comparing rate quotes provided by online insurance companies. This is very easy and can be done in several different ways.

The fastest way to compare a lot of rates at once is a comparison rater form click here to open form in new window. This type of form keeps you from doing boring form submissions to each individual auto insurance company. Completing one form gets rate comparisons from all major companies.
A harder way to shop for auto insurance online is spending the time to visit each individual company website and complete a new quote form. For example, let's say you want to compare rates from , and . To find out each rate you need to visit each site and enter your policy data, and that's why the first method is more popular. For a list of links to companies insuring cars in Shrewsbury, click here.
The most time-consuming method to get comparison rates is to waste gas driving to and from local Shrewsbury insurance agencies. Buying insurance online eliminates the need for an insurance agent unless you have a need for the personal advice only provided by licensed Shrewsbury agents. It is possible to find lower rates online but buy from a local insurance agent and we'll touch on that later.

However you get your quotes, compare the exact same information on every quote. If you have higher or lower deductibles it will be very difficult to make a fair comparison in Shrewsbury.

Policy discounts you shouldn't miss

Insuring your vehicles can cost a lot, but you can get discounts to reduce the price significantly. Certain discounts will be applied when you complete an application, but some must be requested specifically before they will apply. If they aren't giving you every credit possible, you are paying more than you should be.

Sign Online - A handful of insurance companies give back up to $50 for buying a policy and signing up on their website.
Driver Safety - Taking part in a course teaching defensive driving skills could possibly earn you a 5% discount if your company offers it.
Life Insurance Discount - Select insurance companies reward you with lower rates if you buy auto and life insurance together.
Service Members Pay Less - Being deployed with a military unit may qualify for rate reductions.
No Accidents - Drivers with accident-free driving histories can earn big discounts as compared to accident-prone drivers.
Senior Discount - If you're over the age of 55, you may be able to get better auto insurance rates.
Organization Discounts - Affiliation with certain professional organizations may earn a discount on auto insurance.
Student Driver Training - Cut your cost by having your teen driver complete a driver education course if it's offered in school.
Bundle and Save - If you insure your home and vehicles with one company you may save approximately 10% to 15%.

Consumers should know that some of the credits will not apply the the whole policy. Some only reduce the price of certain insurance coverages like liability, collision or medical payments. Just because you may think having all the discounts means you get insurance for free, companies don't profit that way. But all discounts will cut the amount you have to pay.

To choose companies who offer auto insurance discounts in Shrewsbury, click here.

Save $429 a year? Really?

Massachusetts drivers can't ignore all the ads that promise big savings by State Farm, GEICO and Progressive. They all seem to have a common claim that you'll save big after switching to their company.

How do they all say the same thing? This is how they do it.

All the different companies are able to cherry pick for the driver that makes them money. An example of a desirable insured might be profiled as between the ages of 30 and 50, has no tickets, and has a high credit rating. A propective insured that hits that "sweet spot" will get very good rates and is almost guaranteed to cut their rates substantially.

Consumers who don't qualify for the "perfect" profile will have to pay higher rates and this can result in business not being written. The ads say "drivers who switch" but not "drivers who get quotes" save that much. That's the way companies can state the savings.

Because of the profiling, you need to compare as many rates as you can. It's not possible to predict which auto insurance company will have the lowest rates.

Much more information about auto insurance in Massachusetts is available on the website for the Massachusetts Division of Insurance. Click here for link. Massachusetts drivers can get help finding coverage, discover disciplinary actions, file complaints about an insurance agent or broker, and find disaster information.

A tidy conclusion

Discount auto insurance can be purchased on the web and also from your neighborhood Shrewsbury agents, and you should compare price quotes from both to get a complete price analysis. Some insurance companies may not provide online price quotes and most of the time these smaller companies sell through independent agents.

As you restructure your insurance plan, you should never reduce coverage to reduce premium. In many cases, an insured dropped liability limits or collision coverage only to find out that they should have had better coverage. Your aim should be to find the BEST coverage for the lowest price.