Getting Cheap Three Rivers Auto Insurance

Did you fall for a flashy sales pitch and buy an overpriced auto insurance policy? Believe me, many consumers are feeling buyer's remorse and feel like there's no way out.

You have so many to buy insurance from, and even though it's nice to have multiple companies, lots of choices makes it harder to compare rates.

It's important to price shop coverage at least once a year because insurance rates are constantly changing. Just because you found the best deal a year ago a different company probably has better rates today. So just block out anything you think you know about auto insurance because you're about to learn the proper way to lower your annual insurance bill.

This article will tell you how car insurance quotes work and some tricks to saving. If you have car insurance now, you should be able to save some money using this information. Nevertheless, Massachusetts drivers do need to know the way insurance companies sell online and take advantage of how the system works.

Be sure to get all your discounts

The cost of insuring your cars can be expensive, buy you may qualify for discounts that you may not know about. Larger premium reductions will be automatically applied when you quote, but some must be specifically requested before you get the savings.

Save over 55 - If you qualify as a senior citizen, you may receive a discount up to 10%.
Drive Less and Save - Low mileage vehicles can qualify you for better rates on cars that stay parked.
Multiple Cars - Buying insurance for all your vehicles on one policy could earn a price break for each car.
Sign Online - Certain companies will discount your bill up to fifty bucks simply for signing over the internet.
Pay Now and Pay Less - If paying your policy premium upfront instead of monthly or quarterly installments you could save 5% or more.
Clubs and Organizations - Participating in a qualifying organization could trigger savings on auto insurance.
No Claims - Drivers with accident-free driving histories can earn big discounts as compared to drivers who are more careless.

It's important to understand that many deductions do not apply the the whole policy. Some only reduce the cost of specific coverages such as liability, collision or medical payments. So even though they make it sound like you can get free auto insurance, it doesn't quite work that way. Any qualifying discounts will bring down the amount you have to pay.

Learn How to Buy Auto Insurance Cheaper

Smart consumers have a good feel for the rating factors that play a part in calculating the price you pay for auto insurance. Knowing what determines base rates helps enable you to make changes that may reward you with lower auto insurance prices.

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

Males pay more for insurance - Statistics demonstrate that women are safer drivers than men. Now that doesn't mean men are WORSE drivers than women. Women and men have accidents at about the same rate, but the males tend to have more serious accidents. They also have more aggressive citations such as DWI and reckless driving.
Safer cars are cheaper to insure - Cars with high safety ratings tend to have better insurance rates. These vehicles have better occupant injury protection and lower injury rates means lower claim amounts and thus lower rates.
Protect yourself with liability coverage - Your policy's liability coverage provides coverage if ever a court rules you are at fault for damages caused by your negligence. It provides legal defense coverage starting from day one. This coverage is very inexpensive as compared to coverage for physical damage, so drivers should carry high limits.
Being married can save on auto insurance - Being married helps lower the price on your auto insurance policy. It usually means you are more mature and responsible and it's statistically proven that being married results in fewer claims.
Lower rates with optional equipment - Choosing a vehicle that has an advanced theft prevention system can get you a discount on your auto insurance. Theft prevention devices like vehicle immobilizer systems, General Motors OnStar and LoJack tracking systems can thwart your vehicle from being stolen.
Do you work long hours in a high stress job? - Jobs such as doctors, executives and financial analysts are shown to have higher average rates attributed to job stress and lengthy work days. Conversely, occupations like actors, engineers and retirees pay the least.
Adjust deductibles and save - Coverage for physical damage, otherwise known as comp (or other than collision) and collision, is used to repair damage to your car. Some examples of claims that would be covered could be colliding with a building, damage caused by hail, or theft. Physical damage deductibles are how much you are willing to pay out-of-pocket if you file a covered claim. The more money the insured has to pay upfront, the less your auto insurance will be.

Is there truth in advertising?

Auto insurance companies such as Progressive, GEICO, Allstate and State Farm consistently run television and radio advertisements. They all seem to make the same claim of big savings if you change your policy. How does each company make almost identical claims?

All companies are able to cherry pick for the right customer that earns them a profit. An example of a desirable insured could possibly be a mature driver, has no tickets, and has excellent credit. A driver who matches those parameters will get very good rates and is almost guaranteed to save when switching.

Drivers who don't measure up to these standards will have to pay a higher premium which leads to the driver buying from a lower-cost company. The ads say "people who switch" but not "drivers who get quotes" save that kind of money. That's the way insurance companies can confidently make those claims.

Because of the profiling, drivers should get as many comparisons as possible. It is impossible to predict which auto insurance company will have the lowest rates.

Additional auto insurance information is available on the website for the Massachusetts Division of Insurance through this link. Massachusetts consumers can learn about insurance regulations, find disaster information, find out which companies have the most complaints, and get help finding coverage.

The best insurance company isn't always the cheapest

While you're price shopping online, never skimp on coverage in order to save money. There are many occasions where an insured dropped liability limits or collision coverage only to find out they didn't purchase enough coverage. Your aim should be to find the BEST coverage at an affordable rate.

Low-cost auto insurance can be sourced online in addition to many Three Rivers insurance agents, and you need to price shop both to have the best selection. Some companies do not provide you the ability to get quotes online and most of the time these smaller companies sell through independent agents.