Easy Tips to Save Money on Stow Auto Insurance

Buying the lowest cost Stow auto insurance on the internet may be difficult for consumers not familiar with online price comaprisons. With so many insurance companies available, how can consumers even start to compare every company to locate the best price?

It's important to shop coverage around on a regular basis because prices are constantly changing. Just because you had the best rates a few years ago there may be better deals available now. There is too much inaccurate information about auto insurance online but we're going to give you some great ways to stop overpaying for insurance.

The purpose of this article is to help educate you on the most effective way to quote insurance. If you currently have car insurance, you stand a good chance to be able to reduce your rates substantially using this information. But Massachusetts consumers do need to know the way companies sell insurance online.

Massachusetts auto insurance

Be sure to get all your discounts

Car insurance can cost a lot, buy you may qualify for discounts that you may not even be aware of. Certain discounts will be applied when you quote, but some may not be applied and must be manually applied prior to getting the savings.

  • Good Student Discount - Getting good grades can save 20 to 25%. The good student discount can last until age 25.
  • Accident Waiver - Certain companies permit an accident without raising rates if you are claim-free for a certain period of time.
  • Resident Student - Children living away from home attending college and do not have a car can receive lower rates.
  • Low Mileage - Driving fewer miles could qualify for lower rates on the low mileage vehicles.
  • Own a Home - Being a homeowner may trigger a auto insurance policy discount because owning a home demonstrates responsibility.
  • Early Signing - A few companies offer discounts for buying a policy before your current policy expires. This can save 10% or more.
  • Anti-theft System - Anti-theft and alarm systems prevent vehicle theft and qualify for as much as a 10% discount.
  • Lower Rates for Military - Having a deployed family member could mean lower rates.
  • Government Employees - Simply working for the federal government can earn a discount up to 10% with certain companies.
  • Multi-policy Discount - When you have multiple policies with one company you could get a discount of 10% to 20% off each policy.

Drivers should understand that most of the big mark downs will not be given to all coverage premiums. Most only cut the cost of specific coverages such as medical payments or collision. Just because you may think you would end up receiving a 100% discount, companies wouldn't make money that way. But all discounts will bring down the amount you have to pay.

For a list of providers offering auto insurance discounts in Massachusetts, follow this link.

Stow Auto Insurance Prices Online

There are several ways to compare auto insurance quotes, and some are easier and takes less work. You can waste hours talking about coverages with insurance companies in Stow, or you can utilize online quotes to quickly compare rates.

Most car insurance companies are enrolled in a marketplace that allows shoppers to only type in their quote data once, and each company can provide price quotes based on the submitted data. This eliminates the need for quote requests to each individual auto insurance company. To submit your quote information now, click here (opens in new window).

The one disadvantage to comparing rates this way is you can't choose the companies you will receive quotes from. So if you want to choose individual companies to compare prices, we have a page of low cost auto insurance companies in Massachusetts. Click here for list of insurance companies in Massachusetts.

Whichever way you use, ensure you are comparing identical coverages and limits on every quote you get. If you enter different deductibles it will be next to impossible to determine which rate is truly the best in Stow. Just a small difference in insurance coverages may result in large price differences. Just remember that comparing more company's prices helps locate a lower rate.

The best insurance company isn't always the cheapest

We covered many ways to get a better price on auto insurance. The key thing to remember is the more you quote, the higher the chance of saving money. You may be surprised to find that the lowest rates come from a company that doesn't do a lot of advertising.

Budget-conscious auto insurance is available both online as well as from independent agents in Stow, and you should compare price quotes from both to have the best rate selection. Some auto insurance companies don't offer online quoting and many times these small insurance companies only sell through independent insurance agents.

When shopping online for auto insurance, it's very important that you do not sacrifice coverage to reduce premiums. There have been many cases where drivers have reduced full coverage and found out when filing a claim that a couple dollars of savings turned into a financial nightmare. Your goal should be to purchase a proper amount of coverage at an affordable rate, not the least amount of coverage.