Easy Methods to Spend Less on South Walpole Auto Insurance

Comparison shopping for South Walpole auto insurance is hard for beginners to shopping for insurance online. You have so many choices that it can be a big hassle to compare prices in South Walpole.

It's important to take a look at other company's rates once or twice a year because prices are constantly changing. Even if you think you had the best price a couple years back the chances are good that you can find a lower rate today. Forget anything you know (or think you know) about auto insurance because I'm going to let you in on the secrets to how to quote online to reduce your cost while improving coverage.

Policy discounts you shouldn't miss

The price of auto insurance can be rather high, but you can get discounts to help bring down the price. Certain discounts will be triggered automatically at the time of purchase, but a few need to be asked about prior to receiving the credit. If they aren't giving you every credit available, you're paying more than you need to.

Save with a New Car - Buying coverage on a new vehicle can be considerably cheaper because new vehicles have to meet stringent safety requirements.
Student Driver Training - Have your child complete a driver education course if offered at their school.
Drive Less and Save - Low mileage vehicles can earn discounted rates on garaged vehicles.
Sign Online - A few companies may give you up to $50 for buying your policy on their website.
Bundle and Save - When you combine your home and auto insurance with one company you will save at least 10% off all policies.
Good Students Pay Less - A discount for being a good student can earn a discount of 20% or more. This discount can apply up until you turn 25.

A little note about advertised discounts, most discounts do not apply to the entire cost. Most only apply to individual premiums such as collision or personal injury protection. So even though it sounds like adding up those discounts means a free policy, you won't be that lucky. Any amount of discount will cut the amount you have to pay.

To see a list of companies with discount auto insurance rates in South Walpole, click here to view.

How to Compare Auto Insurance Costs in South Walpole

Finding cheaper auto insurance prices can be quick and easy. Consumers just need to take a few minutes comparing rate quotes provided by online insurance companies. This is very easy and can be done using a couple different methods.

The best way to get quotes for comparison is a comparison rater form click to view form in new window. This easy form eliminates the need for a different quote for each company you want a rate for. Taking the time to complete one form will get you price quotes . It's the fastest way to compare.
A slightly less efficient method to shop for auto insurance online requires a visit to the website for each individual company and fill out their own quote form. For instance, let's assume you want rates from , and . To get each rate you have to go to every website to input your insurance information, which is why the first method is more popular. For a list of links to companies insuring cars in South Walpole, click here.
The least recommended way of getting rate comparisons is to spend your day driving to insurance agents' offices. Buying insurance online has reduced the need for local agents unless you require the trained guidance that only a license agent can provide. However, consumers can obtain prices from the web but buy from a local insurance agent. We'll cover that shortly.

It's your choice how you get your quotes, but double check that you are using the exact same coverage limits for every quote you compare. If you use differing limits it's impossible to determine the best price in South Walpole.

South Walpole Rates are Influenced by These Factors

An important part of buying insurance is that you know the different types of things that play a part in calculating the rates you pay for auto insurance. Understanding what impacts premium levels enables informed choices that may reward you with much lower annual insurance costs.

Proper usage rating affects rates - The higher the mileage driven every year the more you will pay for auto insurance. Most insurance companies charge to insure your cars based upon how you use the vehicle. Cars and trucks used primarily for pleasure use qualify for better rates compared to those used for work or business. Double check that your auto insurance declarations sheet is showing the correct usage for each vehicle.
Your car's features help determine rates - Driving a car with an alarm system can save you a little every year. Theft prevention devices like tamper alarm systems, vehicle immobilizer technology and General Motors OnStar all hinder car theft.
Safer cars cost less to insure - Vehicles with high crash test scores can get you lower premiums. These vehicles reduce injuries and any reduction in injury severity translates into fewer and smaller insurance claims and lower rates for you.
Do you need those extra coverages? - There are quite a few extra bells and whistles that you can buy when buying auto insurance. Coverages like vanishing deductibles, towing coverage and term life insurance may be costing you every month. These may sound like a good investment when you first buy your policy, but if they're wasting money get rid of them and save.
Pay less after the wedding - Having a spouse helps lower the price on your policy. It means you're more responsible and it's proven that drivers who are married are more cautious.
Mature drivers pay less - Mature drivers are viewed as being more responsible, statistically cause fewer accidents and are safer drivers. Youthful drivers have a tendency to be more careless in a vehicle therefore auto insurance rates are much higher.
Where you live can impact rates - Being located in small towns and rural areas can be a good thing when talking about auto insurance. Less people living in that area translates into fewer accidents. Drivers who live in large Massachusetts cities have much more traffic to deal with and longer commute times. More time commuting means higher likelihood of an accident.

Save $429 a year? Really?

Consumers in Massachusetts can't get away from ads for the lowest price auto insurance by GEICO, State Farm and Progressive. They all seem to make an identical promise about savings if you change to their company.

How do they all claim to save you money?

Insurance companies can use profiling for the driver that is profitable for them. For example, a desirable insured might be between the ages of 40 and 55, has no tickets, and drives less than 10,000 miles a year. A customer getting a price quote who meets those qualifications is entitled to the best price and is almost guaranteed to cut their rates substantially.

Potential customers who don't qualify for the "perfect" profile will have to pay higher prices and ends up with the customer not buying. Company advertisements say "customers that switch" but not "drivers who get quotes" save that much. That's why companies can truthfully advertise the way they do.

Because of the profiling, drivers must quote coverage with many companies. It's impossible to know the company that will provide you with the cheapest rates.

And the best car insurance company is...

As you go through the steps to switch your coverage, you should never reduce coverage to reduce premium. In many instances, an insured dropped physical damage coverage only to regret at claim time that the savings was not a smart move. The ultimate goal is to buy enough coverage at a price you can afford.

People leave their current company for a number of reasons such as delays in paying claims, extreme rates for teen drivers, delays in responding to claim requests or an unsatisfactory settlement offer. No matter why you want to switch, choosing a new insurance company is actually quite simple.

Cheaper auto insurance is attainable both online and also from your neighborhood South Walpole agents, so you should be comparing quotes from both so you have a total pricing picture. Some auto insurance companies may not provide the ability to get a quote online and most of the time these regional insurance providers sell through independent agents.

More Massachusetts auto insurance information

Additional information can be found on the Massachusetts Division of Insurance website located here. Visitors are able to file complaints about an insurance agent or broker, view a list of available companies, and find disaster information.