7 Ways You Can Buy Car Insurance for Less in Taunton Massachusetts
Did you fall for a flashy sales pitch and buy an underperforming, overpriced car insurance policy? Believe me, there are many people just like you.
With consumers having so many choices of insurance companies, it can be challenging to find the cheapest company.
It's important to compare rates every six months since rates are constantly changing. Just because you found the best deal a couple years back there is a good chance you can find better rates now. Starting right now, block out anything you think you know about car insurance because we're going to show you the only way to properly buy coverages and cut your premium.
How to Compare Car Insurance Quotes in Taunton, Massachusetts
All major car insurance companies allow you to get prices on the web. Getting quotes is quite easy as you just type in the coverages you want as detailed in the form. After the form is submitted, their rating system will obtain your driving and credit reports and quotes a price determined by many factors. This simplifies rate comparisons, but having to visit a lot of sites and type in the same information can be a bit repetitive. But it's very important to do this in order to find better car insurance pricing.
There is a better way!
The preferred way to lower your rates is to use a quote form that gets price quotes from several different companies. The form is fast, eliminates repetitive work, and makes online quotes a lot less work. Immediately after you send the form, it is rated and you can select any or none of the resulting price quotes. If a lower price is quoted, it's easy to complete the application and buy the new coverage. The entire process takes just a few minutes to complete and could lower your rates considerably.
To find out what other companies charge, click here to open in new window and begin entering your coverage information. If you have a policy now, it's recommended you copy deductibles and limits exactly as shown on your declarations page. This makes sure you will have a fair comparison for the exact same coverage.
These seven discounts can lower your rates
Companies that sell car insurance don't necessarily list all their discounts very well, so here is a list some of the more common as well as the least known car insurance savings.
- 55 and Retired - If you're over the age of 55, you may be able to get better car insurance rates.
- Multiple Vehicles - Buying coverage for multiple vehicles with the same company may reduce the rate for each vehicle.
- No Charge for an Accident - Some insurance companies will forgive one accident before hitting you with a surcharge as long as you don't have any claims for a particular time prior to the accident.
- Anti-lock Brake Discount - Vehicles equipped with ABS or steering control can reduce accidents and therefore earn up to a 10% discount.
- New Car Discount - Insuring a new car can cost up to 25% less due to better safety requirements for new cars.
- Sign Online - A handful of insurance companies will give a small break just for signing your application online.
- College Student - Children who live away from home and do not have access to a covered vehicle can be insured at a reduced rate.
It's important to note that most credits do not apply to all coverage premiums. Most cut individual premiums such as liability, collision or medical payments. So despite the fact that it appears having all the discounts means you get insurance for free, you're out of luck.
To choose companies who offer car insurance discounts in Massachusetts, follow this link.
Are you falling for claims of savings?
Car insurance companies such as Progressive, GEICO, Allstate and State Farm continually stream ads on television and other media. They all seem to say the same thing that you can save after switching to their company. But how can every company make the same claim?
All the different companies are able to cherry pick for the driver that makes them money. An example of a desirable insured could be a mature driver, has no driving citations, and drives less than 10,000 miles a year. Any new insured who fits that profile gets the lowest rates and as a result will probably save a lot of money.
Potential customers who are not a match for this ideal profile will have to pay a more expensive rate which usually ends up with business going elsewhere. The ads say "customers that switch" not "everybody who quotes" save that much. That's the way insurance companies can advertise the way they do. Because of the profiling, you need to get quotes from several different companies. It's just too difficult to predict which car insurance company will provide you with the cheapest rates.
Additional detailed information is available at the Massachusetts Division of Insurance website. Consumers can read enforcement actions against agents and companies, find out which companies have the most complaints, learn about insurance regulations, and find out industry alerts.
Other informative sites include this Car Insurance FAQ and this page of insurance agents in Taunton.
Shop smart and save
As you go through the steps to switch your coverage, do not reduce coverage to reduce premium. There are many occasions where someone sacrificed comprehensive coverage or liability limits to discover at claim time that the savings was not a smart move. Your aim should be to purchase plenty of coverage at a price you can afford.
Lower-priced car insurance can be sourced from both online companies and also from your neighborhood Taunton agents, and you need to price shop both to have the best rate selection. Some car insurance companies may not provide online price quotes and most of the time these smaller companies sell through independent agents.
