Buy the Cheapest Sterling Auto Insurance

Having to pay for overpriced auto insurance can overdraw your bank account and force you to make sacrifices. Comparing price quotes is a great way to help make ends meet. Popular companies such as GEICO and Progressive constantly blast consumers with catchy ads and it can be hard to sift through the bull and find the best price available.

It's important to price shop coverage quite often because prices are constantly changing. Even if you think you had the best deal a year ago there is a good chance you can find better rates now. Starting right now, ignore everything you know about auto insurance because you're going to get a crash course in the proper way to lower your annual insurance bill.

If you have a policy now or are looking for a new policy, you will benefit by learning to shop for the lowest rates while maintaining coverages. Choosing the best insurance company for you in Sterling is quite easy. Massachusetts drivers only need an understanding of the proper way to shop their coverage around on the web.

Learn How to Buy Auto Insurance Cheaper

Consumers need to have an understanding of the factors that play a part in calculating the rates you pay for auto insurance. Having a good understanding of what determines base rates helps enable you to make changes that may reward you with better auto insurance rates.

Shown below are some of the factors that factor into rates.

  • Teen drivers pay high rates - More mature drivers are viewed as being more responsible, tend to cause fewer accidents and tend to be better behind the wheel. Youthful drivers have a tendency to get distracted easily when driving and because of this, their auto insurance rates are much higher.
  • Men are more aggressive - Statistics have proven women are more cautious behind the wheel. Now that doesn't mean men are WORSE drivers than women. Men and women cause accidents at about the same rate, but the males tend to have more serious accidents. They also get more serious tickets like DUI and reckless driving.
  • Drive a safer car and pay less - Safer cars get lower rates. These vehicles have better occupant injury protection and any reduction in injury severity translates into savings for insurance companies and more competitive rates for policyholders.
  • Your stress level may be raising your rates - Jobs such as doctors, social workers and dentists are shown to have the highest average rates because of job stress and long work hours. Other jobs such as pilots, historians and retirees pay the least.
  • Having a spouse can save you money - Being married helps lower the price on auto insurance. It usually means you are more mature and responsible and it's proven that married drivers get in fewer accidents.

Sterling auto insurance comparison

Free Quotes for Auto Insurance in Sterling, Massachusetts

All major auto insurance companies quote coverage price quotes directly from their websites. This process doesn't take a lot of time as you just type in your coverage information into the quote form. After the form is submitted, the system will obtain credit information and your driving record and gives you a price quote. Online quotes makes it a lot easier to compare rates but the process of having to visit a lot of sites and fill out multiple forms is not the best way to spend an afternoon. Unfortunately, it is important to compare as many rates as possible if you are searching for a lower rate.

The preferred way to locate the lowest prices uses one form that gets price quotes from a lot of companies. It's a real time-saver, eliminates form submissions, and makes online shopping much easier to do. After your information is entered, it is quoted with multiple companies and you can pick your choice of the resulting price quotes. If a lower price is quoted, you can click and sign and buy the policy. It only takes a few minutes and may result in a nice savings.

To find out how much you're overpaying now, click here and submit the form. If you have a policy now, it's recommended that you enter the coverages identical to your current policy. This makes sure you will be getting a fair comparison for the exact same coverage.

More discounts equal less premium

Car insurance companies don't necessarily list all their discounts in a way that's easy to find, so here is a list both the well known as well as the least known discounts you could be receiving. If you aren't receiving every discount you deserve, you are paying more than you should be.

  • College Student - Youth drivers who live away from home and don't have a car may be able to be covered for less.
  • Senior Citizens - If you're over the age of 55, you may receive a discount up to 10%.
  • Military Discounts - Being deployed with a military unit could be rewarded with lower premiums.
  • No Claims - Drivers who don't have accidents can earn big discounts as compared to accident-prone drivers.
  • Own a Home - Owning a house in Sterling can save you money because maintaining a house requires personal responsibility.
  • Pay Now and Pay Less - By paying your policy upfront instead of making monthly payments you could save 5% or more.
  • Life Insurance Discount - Larger companies have better rates if you take out life insurance from them.
  • Organization Discounts - Being a member of a civic or occupational organization may earn a discount on auto insurance.

Consumers should know that some credits don't apply to the overall cost of the policy. Most only reduce individual premiums such as liability, collision or medical payments. So even though it sounds like you could get a free auto insurance policy, companies don't profit that way.

To choose companies with discount auto insurance rates in Sterling, click here.

Switch companies and save? Really?

Consumers in Massachusetts can't ignore all the ads for car insurance savings from companies such as Progressive, GEICO, Allstate and State Farm. They all seem to have a common claim of big savings if you change your policy.

How can each company claim to save you money?

Different companies have a preferred profile for the right customer that makes them money. An example of a desirable insured might be between 25 and 40, insures multiple vehicles, and has excellent credit. A customer getting a price quote that hits that "sweet spot" will get the preferred rates and therefore will save when they switch companies.

Drivers who do not match the requirements will have to pay a higher premium and this can result in the customer not buying. The ads state "customers that switch" not "everyone that quotes" save that kind of money. This is how insurance companies can confidently make those claims. Because of the profiling, you need to get as many comparisons as possible. It's impossible to know which insurance companies will have the lowest rates.

It's not one size fits all

When buying proper insurance coverage for your personal vehicles, there really is not a perfect coverage plan. Coverage needs to be tailored to your specific needs and your policy should reflect that. Here are some questions about coverages that may help you determine if you would benefit from an agent's advice.

  • Why does it cost so much to insure a teen driver in Sterling?
  • Should I buy additional glass protection?
  • Am I covered when delivering products for my home-based business?
  • Will I be non-renewed for getting a DUI or other conviction?
  • Does my policy cover my teen driver if they drive my company car?
  • Are my tools covered if they get stolen from my vehicle?
  • What happens if I owe more than my vehicle is worth?
  • Are rental cars covered under my policy?

If you can't answer these questions but you think they might apply to your situation, then you may want to think about talking to a licensed agent. To find lower rates from a local agent, simply complete this short form or you can go here for a list of companies in your area. It is quick, free and can help protect your family.

More tips and info about auto insurance is available at the Massachusetts Division of Insurance website. Visitors are able to read enforcement actions against agents and companies, learn about insurance regulations, find disaster information, and read industry bulletins.

Sterling auto insurance comparison

And the best car insurance company is...

While you're price shopping online, it's a bad idea to reduce coverage to reduce premium. There are many occasions where drivers have reduced liability limits or collision coverage only to find out they didn't purchase enough coverage. Your aim should be to get the best coverage possible at a price you can afford.

Cost effective auto insurance is attainable both online in addition to many Sterling insurance agents, so you should compare both to have the best selection. Some companies do not provide online price quotes and most of the time these smaller companies sell through independent agents.