Truro Car Insurance For Less Than You're Paying Now

Are you intimidated by the sheer number of car insurance companies in Truro? Many other consumers are too. People have so many options available that it can turn into more work than you anticipated to find better rates.

It's important to shop coverage around every six months due to the fact that insurance rates are constantly changing. Even if you think you had the lowest rates a couple years back a different company probably has better rates today. Starting right now, block out anything you think you know about car insurance because I'm going to teach you the tricks you need to know to find better rates and still maintain coverage.

More discounts equal less premium

Car insurance is not cheap, buy you may qualify for discounts to help bring down the price. Certain discounts will be applied at quote time, but lesser-known reductions have to be asked about in order for you to get them. If you're not getting every credit possible, you are throwing money away.

  • Anti-theft System - Vehicles with anti-theft systems prevent vehicle theft and will save you 10% or more.
  • Clubs and Organizations - Being a member of a qualifying organization may earn a discount on your policy.
  • Safety Course Discount - Taking a defensive driving course could possibly earn you a 5% discount if you qualify.
  • Resident Student - Youth drivers who attend school more than 100 miles from home and don't have a car may be able to be covered for less.
  • Senior Citizens - If you qualify as a senior citizen, you may receive a small decrease in premiums.

It's important to note that some of the credits will not apply to all coverage premiums. Some only reduce individual premiums such as comprehensive or collision. Just because it seems like you could get a free car insurance policy, you're out of luck. But any discount will bring down your premiums.

Truro car insurance quote

Tips to Get Lower Truro Rates

Smart consumers have a good feel for the factors that play a part in calculating the rates you pay for car insurance. Knowing what influences your rates empowers consumers to make smart changes that can help you get better car insurance rates.

Shown below are a few of the "ingredients" used by your company to calculate your rates.

  • One company can mean more discounts - Some insurance companies give discounts to insureds who buy several policies from them in the form of a multi-policy discount. Even with this discount, you still need to compare other company rates to verify if the discount is saving money. Drivers may still find a better deal by splitting coverages up.
  • Liability insurance protects assets - Your policy's liability coverage provides coverage in the event that you are found liable for personal injury or accident damage. Liability insurance provides for a legal defense up to the limits shown on your policy. Liability is cheap as compared to coverage for physical damage, so do not skimp.
  • Little extras can really add up - There are quite a few extra coverages you can purchase when buying car insurance. Coverages for personal injury protection, better glass coverage and additional equipment coverage are some examples. These coverages may sound good when you first buy your policy, but now you might not need them so eliminate them to save money.
  • Older drivers pay less - Youthful drivers in Massachusetts have a tendency to be less responsible when behind the wheel so they pay higher car insurance rates. Older insureds tend to be more responsible, tend to cause fewer accidents and tend to be better behind the wheel.
  • Men are more aggressive - Statistics demonstrate that women are safer drivers than men. Now that doesn't mean women are BETTER drivers than men. Men and women cause accidents in similar percentages, but men tend to have more serious accidents. Men also get more serious tickets like DUI and reckless driving.
  • High credit ratings translate to low rates - Your credit score is a important factor in calculating your car insurance rates. People with good credit tend to be more responsible than those with lower credit scores. Therefore, if your credit score is low, you could potentially save money when insuring your by spending a little time repairing your credit.

Switch companies and save? Really?

Consumers in Massachusetts get pounded daily by advertisements that promise big savings from the likes of Allstate and Progressive. All the ads have a common claim that you can save if you change your coverage to them.

How does each company claim to save you money?

Different companies are able to cherry pick for the type of customer that earns them a profit. For example, a preferred risk might be between the ages of 30 and 50, has no driving citations, and drives less than 10,000 miles a year. Any driver that hits that "sweet spot" will get very good rates and therefore will save when switching.

Potential insureds who do not match these standards will be charged more money and this can result in the customer not buying. The ads say "customers that switch" not "everyone that quotes" save that much money. That's the way insurance companies can advertise the way they do.

That is why drivers should get a wide range of price quotes. You cannot predict which car insurance company will provide you with the cheapest rates.

More information can be found on the Massachusetts Division of Insurance website located here. Visitors are able to read consumer alerts, find out which companies have the most complaints, and discover disciplinary actions.

Best coverage at the best price

As you go through the steps to switch your coverage, it's very important that you do not skimp on coverage in order to save money. Too many times, someone sacrificed uninsured motorist or liability limits only to regret that the savings was not a smart move. The aim is to find the BEST coverage at a price you can afford, not the least amount of coverage.

Lower-priced car insurance is attainable both online as well as from independent agents in Truro, and you should compare price quotes from both in order to have the best chance of saving money. Some car insurance companies don't offer you the ability to get quotes online and many times these regional insurance providers only sell through independent insurance agents.

Drivers leave their current company for a number of reasons such as policy cancellation, questionable increases in premium, delays in responding to claim requests and even not issuing a premium refund. It doesn't matter why you want to switch choosing a new insurance company is less work than it seems.