Car Insurance in Wayland - 7 Discounts You Might be Missing

I can't think of anyone who likes having to buy car insurance, particularly when the cost is way too high.

With consumers having so many options when it comes to car insurance, it's nearly impossible to choose the best company.

It's important to compare prices periodically since rates are constantly changing. Even if you got the best price a few years ago there may be better deals available now. Ignore everything you know about car insurance because you're about to learn the only way to find the best coverage while lowering your premiums.

This information will familiarize you with how to effectively get price quotes. If you currently have a car insurance policy, you stand a good chance to be able to lower your premiums substantially using this strategy. But Massachusetts consumers do need to know the way companies price online insurance and apply this information to your search.

Wayland car insurance comparison

Are you getting all your discounts?

The cost of insuring your cars can be expensive, but you can get discounts that many people don't even know exist. Certain discounts will be applied when you quote, but less common discounts must be manually applied prior to getting the savings.

  • Save with a New Car - Adding a new car to your policy can save up to 30% because new vehicles have to meet stringent safety requirements.
  • Early Signing - Select companies give a discount for buying a policy before your current policy expires. This can save 10% or more.
  • Anti-lock Brake Discount - Vehicles with anti-lock braking systems are safer to drive and therefore earn up to a 10% discount.
  • Discount for Life Insurance - Select insurance companies reward you with a break if you buy life insurance.
  • No Accidents - Good drivers with no accidents can save substantially as compared to frequent claim filers.
  • Multi-car Discount - Buying coverage for more than one vehicle on one policy qualifies for this discount.
  • Theft Prevention Discount - Anti-theft and alarm systems are stolen less frequently and therefore earn up to a 10% discount.

Drivers should understand that most of the big mark downs will not be given to the entire policy premium. Most only reduce the price of certain insurance coverages like liability, collision or medical payments. So when it seems like adding up those discounts means a free policy, companies wouldn't make money that way. But all discounts will help reduce the cost of coverage.

For a list of companies offering car insurance discounts in Massachusetts, follow this link.

Wayland Car Insurance Comparisons

Most major insurance companies give coverage prices on their websites. Getting quotes is quite simple as you just type in your personal and coverage information as detailed in the form. Once entered, the system will obtain credit information and your driving record and gives you a price quote based on these and other factors. This helps simplify price comparisons, but the process of having to visit several different sites and type in the same information is repetitive and time-consuming. But it's very important to have as many quotes as possible in order to get the best price on car insurance.

A more efficient way to compare rates is to use a quote form that gets price quotes from several different companies. The form is fast, eliminates form submissions, and makes quoting online much easier to do. As soon as you send your information, your coverage is rated and you can choose any or none of the quotes that you receive.

If one or more price quotes are lower than your current rates, you can click and sign and purchase coverage. This process takes 15 minutes at the most and you will know how your current rates stack up.

To find out if lower rates are available, click here to open in new window and begin entering your coverage information. If you currently have coverage, we recommend you type in coverages and limits just like they are on your policy. This helps ensure you will receive comparison quotes based on identical coverages.

Tailor your coverage to you

When it comes to choosing the right insurance coverage for your vehicles, there really is no "best" method to buy coverage. Everyone's situation is unique so your insurance needs to address that. For instance, these questions may help highlight whether you might need an agent's assistance.

  • Should I file a claim if it's only slightly more than my deductible?
  • Does my car insurance cover rental cars?
  • Can I get a multi-policy discount for packaging my home and auto coverage?
  • What are the financial responsibility laws in Massachusetts?
  • Will I be non-renewed for getting a DUI or other conviction?
  • Am I covered when driving on a suspended license?

If you don't know the answers to these questions but a few of them apply then you might want to talk to a licensed insurance agent. To find lower rates from a local agent, take a second and complete this form or you can go here for a list of companies in your area.

Shop smart and save

When shopping online for car insurance, do not sacrifice coverage to reduce premiums. There are many occasions where someone dropped physical damage coverage only to discover later that a couple dollars of savings turned into a financial nightmare. Your aim should be to get the best coverage possible for the lowest price.

We just covered many ways to get a better price on car insurance. The key thing to remember is the more times you quote, the higher your chance of finding lower rates. Consumers may even find the lowest rates come from a smaller regional carrier. These companies may only write in your state and offer lower rates than the large multi-state companies such as .

Budget-conscious car insurance can be found both online and also from your neighborhood Wayland agents, and you should compare price quotes from both to have the best rate selection. Some car insurance companies may not provide online quoting and most of the time these regional insurance providers sell through independent agents.