Top 8 Ways to Save Money on Car Insurance in Sturbridge

Expensive car insurance can take a big chunk out of your bank account and force you to make sacrifices. Shopping your coverage around is free, only takes a few minutes, and is a good way to cut your insurance bill. Lots of contend for your insurance dollar, and because of this it can be hard to compare to get the lowest price

It's important to price shop coverage quite often since rates are constantly changing. Even if you think you had the best deal six months ago you may be paying too much now. So ignore everything you know about car insurance because we're going to show you the only way to lower your annual insurance bill.

Free Sturbridge Car Insurance Quotes

Getting better car insurance pricing can be surprisingly simple. Consumers just need to take time comparing rates from different insurance companies. This is very easy and can be done in just a few minutes using one of these methods.

The first (and easiest) way consumers can make multiple comparisons is a comparison rater form (click to open form in new window). This easy form keeps you from doing boring form submissions for each company you want a rate for. One form will get you price quotes from all major companies.

A different way to shop for car insurance online requires a visit to each company website and complete a new quote form. For sake of this example, let's say you want comparison quotes from , and . To get each rate you have to spend time on each company's site to input your insurance information, which is why the first method is quicker.

For a list of links to companies insuring cars in Sturbridge, click here.

The least recommended way of getting rate comparisons is driving to different Sturbridge agent offices. The ability to buy insurance online makes this process obsolete unless you want the professional advice that only a license agent can provide. However, consumers can compare the best prices online but buy from a local insurance agent and we'll cover that in a bit.

It's up to you which method you use, but make darn sure you compare the exact same coverage limits on every quote. If each company quotes differing limits you can't possibly make a fair comparison in Sturbridge.

Policy discounts you shouldn't miss

Car insurance companies do not list every available discount in an easy-to-find place, so here is a list some of the more common and also the lesser-known savings tricks you should be using. If they aren't giving you every credit you deserve, you're just leaving money on the table.

Good Student Discount - Getting good grades can earn a discount of 20% or more. The discount lasts up until you turn 25.
55 and Retired - Older drivers may receive a discount up to 10%.
Low Mileage - Low mileage vehicles can qualify you for discounted rates on garaged vehicles.
Multiple Cars - Buying insurance for all your vehicles on one policy can get a discount on all vehicles.
Theft Prevention Discount - Cars that have factory anti-theft systems can help prevent theft and earn discounts up to 10%.
Military Discounts - Being on active duty in the military could be rewarded with lower premiums.
Passive Restraints - Vehicles with factory air bags or automatic seat belts can get savings up to 30%.
Safety Course Discount - Successfully completing a driver safety course could cut 5% off your bill depending on where you live.

It's important to note that most discount credits are not given to the overall cost of the policy. Some only apply to specific coverage prices like medical payments or collision. Just because it seems like all the discounts add up to a free policy, you're out of luck.

For a list of providers with discount car insurance rates in Sturbridge, click here to view.

Insurance agents can help

When it comes to choosing proper insurance coverage for your personal vehicles, there is no "perfect" insurance plan. Your needs are not the same as everyone else's so your insurance should reflect that For example, these questions may help you determine whether your personal situation would benefit from professional advice.

Do I need to file an SR-22 for a DUI in Massachusetts?
Should I buy additional glass protection?
Is my nanny covered when driving my vehicle?
Am I covered when driving on a suspended license?
Am I covered when renting a car or should I buy coverage from the car rental agency?
Do I have coverage when using my vehicle for my home business?
Can I rate high risk drivers on liability-only vehicles?
Should I have combined single limit or split liability limits?

If you're not sure about those questions but a few of them apply, you might consider talking to a licensed agent. If you want to speak to an agent in your area, complete this form or click here for a list of car insurance companies in your area. It's fast, free and you can get the answers you need.

Additional detailed information is available at the Massachusetts Division of Insurance website. Consumers can file complaints about a company, learn about insurance regulations, find disaster information, and report car insurance fraud.

In the end, you save

You just learned some good ideas how you can lower your car insurance rates. It's most important to understand that the more you quote, the more likely it is that you will get a better rate. You may even find the best price on car insurance is with a small mutual company. Smaller companies often have lower prices on specific markets compared to the large companies like .

As you restructure your insurance plan, never reduce needed coverages to save money. There have been many cases where drivers have reduced comprehensive coverage or liability limits to discover at claim time that they should have had better coverage. Your goal should be to get the best coverage possible at the best price, not the least amount of coverage.

Lower-priced car insurance is attainable from both online companies in addition to many Sturbridge insurance agents, and you need to price shop both to get a complete price analysis. Some insurance companies do not provide online quoting and many times these smaller companies only sell through independent insurance agents.