Tightwads Tips for Saving on Waquoit Car Insurance

Scraping up a payment for overpriced car insurance can take a big chunk out of your checking account and force you to prioritize other expenses. Doing a price comparison is a smart way to reduce premiums and put more money in your pocket.

There is such a variety of to buy insurance from, and even though it's nice to be able to choose, so many choices can make it hard to compare rates.

Finding affordable car insurance coverage in Waquoit is not that difficult. In a nutshell, anyone who is required by state law to have car insurance will be able to reduce their rates. But Massachusetts consumers do need to know how insurance companies market on the web and use this information to your advantage.

Understand what determines the rate you pay

Consumers need to have an understanding of some of the elements that come into play when calculating the rates you pay for car insurance. Knowing what controls the rates you pay helps enable you to make changes that could result in much lower annual insurance costs.

  • Policy add-ons can waste money - There are a lot of add-on coverages that you can get tricked into buying when buying car insurance. Coverages for vanishing deductibles, accidental death and membership fees are examples of these. They may seem like a good idea at first, but your needs may have changed so eliminate them to save money.
  • Men fork out a little more - Statistics have proven that women are safer drivers than men. However, don't assume that men are WORSE drivers than women. Both sexes have accidents in similar percentages, but the male of the species cause more damage and cost insurance companies more money. Men also tend to get cited for more serious violations like DUI and reckless driving.
  • Rates may be higher depending on your occupation - Occupations such as lawyers, architects and financial analysts are shown to have higher average rates attributed to stressful work requirements and long work days. Conversely, occupations like pilots, engineers and the unemployed pay the least.
  • Marriage brings a discount - Having a spouse actually saves money when buying car insurance. Having a spouse usually means you are more mature than a single person and it's statistically proven that married drivers get in fewer accidents.
  • Car features impact rates - Purchasing a vehicle that has an advanced theft prevention system can get you a discount on your car insurance. Anti-theft devices such as vehicle immobilizer systems, General Motors OnStar and LoJack tracking systems all aid in stopping your car from being stolen.

car insurance in Waquoit

How to Buy Waquoit Car Insurance Online

The are a couple different ways of comparing rates from local Waquoit car insurance companies. One of the best ways to find the lowest rates is simply to get online rate quotes. This is very easy and can be done in a couple of different ways.

  1. The fastest way consumers can analyze rates is a comparison rater form (click to open form in new window). This method keeps you from doing separate quotes for each company you want a rate for. One form gets you coverage quotes instantly.
  2. A slightly less efficient method to shop for car insurance online consists of going to the website for every company you want to comare and complete a new quote form. For instance, we'll pretend you want comparison quotes from , and . To get each rate you have to go to every website to enter your coverage information, which is why most consumers use the first method. For a list of links to companies insuring cars in Waquoit, click here.
  3. The least efficient way of comparing rate quotes is to drive around to insurance agents' offices. The ability to buy insurance online eliminates the need for an insurance agent unless you prefer the personal advice that only a license agent can provide. You can, however, find lower rates online but buy from a local insurance agent and you'll learn how to do that later.

Which method you use is up to you, but make darn sure you compare identical coverages on every quote. If you are comparing different limits and deductibles on each one it will be next to impossible to make a fair comparison in Waquoit. Just a small difference in insurance coverages could mean much higher rates. And when comparison shopping, having more price comparisons helps locate lower pricing.

Policy discounts you shouldn't miss

Insurance can be prohibitively expensive, but companies offer discounts that can drop the cost substantially. Some discounts apply automatically when you complete an application, but lesser-known reductions have to be manually applied before they will apply.

  • Defensive Driving Course - Successfully completing a defensive driving course could cut 5% off your bill if your company offers it.
  • Senior Citizens - If you're over the age of 55, you can possibly qualify for a discount up to 10%.
  • No Claims - Drivers who don't have accidents can save substantially when compared with accident-prone drivers.
  • Paperless Signup - A few companies may give you up to $50 for buying a policy and signing up over the internet.
  • Drivers Education - Cut your cost by having your teen driver enroll in driver's education in high school.
  • Organization Discounts - Being a member of a qualifying organization could qualify you for a break when buying car insurance.
  • Military Discounts - Having a deployed family member can result in better rates.
  • Government Employees - Employees or retirees of the government could cut as much as 10% off depending on your company.
  • Discount for Life Insurance - Select insurance companies reward you with a discount if you purchase life insurance.
  • Sign Early and Save - A few companies offer discounts for buying a policy prior to your current policy expiration. It can save you around 10%.

Drivers should understand that most credits do not apply to the overall cost of the policy. The majority will only reduce the cost of specific coverages such as liability and collision coverage. So when it seems like adding up those discounts means a free policy, companies wouldn't make money that way. But all discounts will bring down the amount you have to pay.

To choose insurers with the best car insurance discounts in Massachusetts, follow this link.

Save $429 a year? Really?

21st Century, Allstate and State Farm regularly use television and radio advertisements. All the companies say the same thing that you'll save big if you move your policy. How does each company claim to save you money?

Insurance companies have a preferred profile for the right customer that makes them money. For example, a profitable customer might be over the age of 50, insures multiple vehicles, and drives less than 7,500 miles a year. Any driver who fits that profile gets the lowest rates and is almost guaranteed to save when switching.

Consumers who don't qualify for these standards must pay higher rates which usually ends up with the customer not buying. Company advertisements say "people who switch" but not "drivers who get quotes" save that kind of money. This is how companies can advertise the way they do.

This illustrates why you need to get a wide range of price quotes. You cannot predict which insurance companies will provide you with the cheapest rates.

Insurance agents can help

When buying adequate coverage for your personal vehicles, there isn't really a perfect coverage plan. Each situation is unique and a cookie cutter policy won't apply. For example, these questions may help you determine whether your personal situation may require specific advice.

  • Should I rate my vehicle as pleasure use or commute?
  • Should I put collision coverage on all my vehicles?
  • Will I be non-renewed for getting a DUI or other conviction?
  • Does medical payments coverage apply to all occupants?
  • What companies insure drivers after a DUI or DWI?
  • Is my nanny covered when driving my vehicle?
  • Are rental cars covered under my policy?
  • Am I covered when delivering products for my home-based business?

If you don't know the answers to these questions but you know they apply to you, you may need to chat with a licensed agent. To find an agent in your area, take a second and complete this form or go to this page to view a list of companies.

Much more information about car insurance in Massachusetts can be found on the website for the Massachusetts Division of Insurance through this link. Visitors are able to discover disciplinary actions, learn about insurance regulations, read industry bulletins, and get help finding coverage.

Waquoit car insurance comparison

Affordable insurance is out there

Budget-conscious car insurance is definitely available both online in addition to many Waquoit insurance agents, and you should be comparing both to get a complete price analysis. Some car insurance companies do not provide online price quotes and usually these regional insurance providers provide coverage only through local independent agents.

When shopping online for car insurance, never reduce coverage to reduce premium. There are a lot of situations where drivers have reduced uninsured motorist or liability limits only to regret that a couple dollars of savings turned into a financial nightmare. The proper strategy is to buy the best coverage you can find at an affordable rate while not skimping on critical coverages.