Top Ways to Save on Wellesley Hills Auto Insurance

Did you fall for a flashy sales pitch and buy an underperforming, overpriced auto insurance policy? Trust us when we tell you you're not alone.

Multiple compete for your hard-earned dollar, so it can be very hard to choose a to find the absolute lowest price

It's important to check auto insurance prices every six months because prices are constantly changing. Even if you got the best price a couple years back you can probably find a better price now. Forget anything you know (or think you know) about auto insurance because I'm going to let you in on the secrets to the tricks you need to know to properly buy coverages while reducing your premium.

What determines how much you pay?

Consumers need to have an understanding of the factors that help determine the rates you pay for auto insurance. Understanding what influences your rates allows you to make educated decisions that may reward you with big savings.

The following are a few of the "ingredients" companies use to determine rates.

With age comes lower rates - Older insureds are viewed as being more responsible, file fewer claims and get fewer tickets. Youthful drivers are known to be less responsible when behind the wheel therefore auto insurance rates are much higher.
Do you know your deductibles? - Physical damage insurance, otherwise known as comp (or other than collision) and collision, is used to repair damage to your car. Examples of covered claims would be collision with another vehicle, vandalism, and rolling your vehicle. The deductibles are how much you are required to spend before a claim is paid by your company. The higher the amount you're willing to pay, the less your auto insurance will be.
Please use or commuting - Driving more miles in a year the more you will pay for auto insurance. Most companies charge to insure your cars based on their usage. Cars not used for work or commuting qualify for better rates than vehicles that are driven to work every day. Ask your agent if your auto insurance coverage is showing the proper vehicle usage.
Liability insurance protects assets - Liability coverage provides coverage if ever you are found liable for damages from an accident. Liability provides for a legal defense which can cost thousands of dollars. This coverage is very inexpensive when compared with rates for comp and collision, so do not skimp.
Do men or women drive better? - Statistics demonstrate that men are more aggressive behind the wheel. However, this does not mean women are better drivers. They both are in accidents in similar percentages, but the males have costlier accidents. They also get more serious tickets like DUI and reckless driving. Young males are the most expensive to insure and are penalized with high auto insurance rates.
Cautious drivers pay less - Your driving citation history impacts your car insurance rates tremendously. Good drivers get better rates compared to drivers with tickets. Even a single speeding ticket can increase rates forty percent or more. Drivers who have flagrant citations like DWI, reckless driving or hit and run convictions may need to submit a SR-22 form to the state department of motor vehicles in order to keep their license.

Are you getting all your discounts?

The cost of insuring your cars can be expensive, but there are discounts available to reduce the price significantly. Most are applied when you quote, but less common discounts must be asked about prior to getting the savings.

Senior Citizens - If you're over the age of 55, you may be able to get reduced rates.
Multiple Vehicles - Buying coverage for multiple vehicles with the same company can get a discount on all vehicles.
Life Insurance Discount - Some companies give lower rates if you buy auto and life insurance together.
No Charge for an Accident - A few companies allow you 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.
Sign Online - A handful of insurance companies may give you up to $50 just for signing your application on their website.

It's important to note that some of the credits will not apply to all coverage premiums. Some only apply to specific coverage prices like liability, collision or medical payments. So despite the fact that it appears all those discounts means the company will pay you, you're out of luck. But any discount will cut the cost of coverage.

To choose companies who offer auto insurance discounts in Wellesley Hills, click here.

How can Progressive, GEICO, Allstate and State Farm save drivers who switch?

Auto insurance companies such as Progressive, GEICO, Allstate and State Farm continually stream ads on television and other media. They all seem to have a common claim that you can save after switching to them. How do they all claim to save you money? It's all in the numbers.

All the different companies are able to cherry pick for the type of driver that makes them money. For example, a desirable insured might be over the age of 40, has no driving citations, and drives less than 10,000 miles a year. A customer getting a price quote that hits that "sweet spot" will qualify for the lowest rates and as a result will probably cut their rates substantially.

Potential customers who are not a match for the "perfect" profile will have to pay a higher premium and this can result in the customer not buying. The ad wording is "customers who switch" not "everybody who quotes" save money. That's the way insurance companies can advertise the way they do.

Because of the profiling, you should compare as many rates as you can. It's impossible to know which auto insurance company will provide you with the cheapest rates.

Learn more about Massachusetts auto insurance

More information can be found on the website for the Massachusetts Division of Insurance found here. Visitors are able to read enforcement actions against agents and companies, report car insurance fraud, file complaints about an insurance agent or broker, and find out which companies have the most complaints.

The best insurance company isn't always the cheapest

As you go through the steps to switch your coverage, never buy poor coverage just to save money. There are many occasions where someone sacrificed physical damage coverage only to discover later that the savings was not a smart move. Your aim should be to get the best coverage possible at the best price.

Lower-priced auto insurance can be purchased both online and with local Wellesley Hills insurance agents, and you need to comparison shop both to have the best rate selection. Some auto insurance companies do not offer online price quotes and most of the time these regional insurance providers sell through independent agents.

We covered a lot of techniques to save on auto insurance. The most important thing to understand is the more times you quote, the better likelihood of reducing your rate. Drivers may discover the lowest premiums are with a small mutual company. Some small companies often have lower prices on specific markets than the large multi-state companies such as .