9 Discounts South Dennis Consumers Forget when Comparing Car Insurance

Tired of robbing Peter to pay Paul each month for car insurance? Your situation is no different than many other Massachusetts consumers.

You have so many to buy insurance from, and even though it's nice to have a selection, lots of choices makes it harder to compare rates.

It's important to shop coverage around once or twice a year since rates are constantly changing. If you had the best rates last year the chances are good that you can find a lower rate today. There is too much inaccurate information about car insurance on the web, but we're going to give you some great ways to save money.

Choosing the best insurance company for you in South Dennis is easy if you know what you're doing. If you currently have a car insurance policy, you should be able to reduce your rates substantially using these techniques. But Massachusetts car owners do need to know the way insurance companies determine prices.

Don't pay full price with these nine discounts

Companies that sell car insurance do not list every available discount very clearly, so the following is a list of some of the more common as well as the least known ways to save on car insurance.

Theft Prevention Discount - Vehicles equipped with anti-theft or alarm systems prevent vehicle theft and will save you 10% or more.
Drivers Education - Have your child take driver's ed class in high school.
Pay Upfront and Save - If paying your policy premium upfront instead of paying each month you could save up to 5%.
Resident Student - Any of your kids living away from home attending college without a vehicle on campus may be able to be covered for less.
Low Mileage - Keeping the miles down could qualify for better rates on cars that stay parked.
One Accident Forgiven - Certain companies will forgive one accident before raising your premiums if you are claim-free for a set time period.
Claim Free - Claim-free drivers pay less compared to bad drivers.
Memberships - Belonging to a qualifying organization could trigger savings on your policy.
More Vehicles More Savings - Having multiple cars or trucks on the same car insurance policy may reduce the rate for each vehicle.

Drivers should understand that most discount credits are not given to the entire cost. Most cut individual premiums such as comprehensive or collision. So even though they make it sound like all the discounts add up to a free policy, companies wouldn't make money that way.

To see a list of providers with the best car insurance discounts in Massachusetts, click this link.

Fast and Easy South Dennis Car Insurance Quotes

There are multiple methods you can shop for car insurance and some are easier and takes less work. You can waste a lot of time talking about coverages with insurance agencies in South Dennis, or you could save time and use the web to quickly compare rates.

Many insurance companies are enrolled in a marketplace that enables customers to submit one quote, and each company can give them a price. This system prevents you from having to do quote requests to each individual car insurance company.

To submit your quote information now, click to open in new window.

The one disadvantage to pricing coverage this way is you are unable to specify which carriers you want to price. So if you want to select from a list of companies to compare rates, we have a page of car insurance companies in Massachusetts. View list of Massachusetts insurance companies.

It's up to you how you get prices quotes, just double check that you are using identical deductibles and coverage limits with every price quote. If you compare different values for each quote it's impossible to find the best deal in South Dennis. Having just a slight variation in insurance coverages may result in large price differences. It's important to know that comparing more company's prices helps locate better pricing.

The car insurance bait and switch

Companies like Allstate and Progressive regularly use ads in print and on television. All the ads make the same claim that you'll save big if you move your coverage to them. How does each company make the same claim?

Insurance companies can use profiling for the type of customer that is profitable for them. A good example of a preferred risk could be a mature driver, has no tickets, and drives newer vehicles. Any new insured who matches those parameters gets the lowest rates and therefore will save when switching.

Potential customers who don't measure up to these standards will be charged a more expensive rate which leads to business going elsewhere. The ads say "customers that switch" not "everyone that quotes" save that much money. That's why companies can claim big savings. That is why drivers must get quotes from several different companies. It's just too difficult to predict the company that will give you the biggest savings.

The best insurance company isn't always the cheapest

When trying to cut insurance costs, it's very important that you do not reduce coverage to reduce premium. Too many times, an insured dropped full coverage and found out when filing a claim that it was a big mistake. The aim is to purchase plenty of coverage at a price you can afford, not the least amount of coverage.

Budget-conscious car insurance is possible from both online companies as well as from independent agents in South Dennis, and you need to price shop both to have the best rate selection. A few companies don't offer the ability to get a quote online and many times these small insurance companies only sell through independent insurance agents.

More Massachusetts car insurance information

More detailed Massachusetts car insurance information can be read at the Massachusetts Division of Insurance website. Consumers can read consumer alerts, download brochures, view a list of available companies, and read enforcement actions against agents and companies.