How to Get the Cheapest Wellfleet Auto Insurance

If price shopping auto insurance online is new to you, it's easy to be confused because of the huge number of auto insurance companies competing for business in Wellfleet.

What determines how much you pay?

Consumers need to have an understanding of some of the elements that go into determining the rates you pay for auto insurance. Having a good understanding of what influences your rates allows you to make educated decisions that will entitle you to much lower annual insurance costs.

Claim-free discounts can add up - If you tend to file frequent claims, you can look forward to either policy cancellation or increased premiums. Companies in Massachusetts provide cheaper rates to drivers who file claims infrequently. Your insurance policy is intended for larger claims.
Better credit means lower rates - Having a bad credit score is a important factor in determining your rates. If your credit score is lower than you'd like, you could save money insuring your by improving your credit score. Drivers with high credit scores tend to file fewer claims and have better driving records than those with poor credit.
Car features impact rates - Owning a car with an alarm system can help bring down rates. Anti-theft features such as GM's OnStar, tamper alarm systems and vehicle immobilizers can help prevent your car from being stolen.
Cautious drivers pay less - Good drivers have lower premiums than bad drivers. Just one speeding ticket can increase rates twenty percent or more. If you have serious violations like DWI, reckless driving or hit and run convictions may find they need to submit a SR-22 or proof of financial responsibility to the state department of motor vehicles in order to continue driving.

Wellfleet Auto Insurance Quote Comparison

Comparing auto insurance rates can take hours if you don't understand the easiest way. You can spend your afternoon discussing policy coverages with local insurance agents in Wellfleet, or you could save time and use the internet to get rates in a matter of minutes.

Most of the larger companies participate in an industry program that allows shoppers to enter their coverage request one time, and at least one company returns a competitive quote for coverage. This eliminates the need for quotation requests to each individual auto insurance company. To submit your quote information now, click here to open in new window.

The single downside to using this type of system is that consumers can't choose which providers to get quotes from. If you would rather choose from a list of companies to request quotes from, we have assembled a list of auto insurance companies in Massachusetts. Click here for list of insurance companies in Massachusetts.

It doesn't matter which method you choose, just make absolute certain that you use exactly the same coverages and limits on every quote. If you use different deductibles it's not possible to make a fair comparison in Wellfleet. Just a small difference in limits can make a big difference in price. And when quoting auto insurance, remember that quoting more will increase your chances of finding a lower rate.

Be sure to get all your discounts

Properly insuring your vehicles can get expensive, but there are discounts available that you may not even be aware of. A few discounts will automatically apply when you complete an application, but a few must be requested specifically before they will apply.

Federal Employees - Employees or retirees of the government could cut as much as 10% off with a few auto insurance companies.
Anti-lock Brake Discount - Vehicles equipped with ABS or steering control are safer to drive and will save you 10% or more.
Passive Restraint Discount - Cars that have air bags or motorized seat belts can qualify for discounts up to 30%.
Payment Discounts - If you pay your bill all at once instead of making monthly payments you can actually save on your bill.
Accident Forgiveness - A handful of insurance companies will forgive one accident before hitting you with a surcharge if your claims history is clear for a set time period.

It's important to note that most credits do not apply to your bottom line cost. Most only apply to individual premiums such as comp or med pay. Just because it seems like adding up those discounts means a free policy, you're out of luck. But any discount will reduce the amount you have to pay.

To choose insurance companies offering auto insurance discounts in Wellfleet, follow this link.

Is there truth in advertising?

Auto insurance providers like Progressive, Allstate and GEICO constantly bombard you with television and radio advertisements. They all say the same thing that you can save if you switch to them. How can each company claim to save you money?

Insurance companies have a certain "appetite" for the type of driver that makes them money. For instance, a driver they prefer might be between 30 and 50, owns a home, and has a high credit rating. A customer getting a price quote who fits that profile is entitled to the best price and is almost guaranteed to save when they switch companies.

Consumers who don't measure up to the requirements will be quoted higher rates which usually ends up with the customer not buying. Company advertisements say "customers that switch" but not "drivers who get quotes" save money. That is how insurance companies can state the savings.

This emphasizes why you need to get as many comparisons as possible. It's impossible to know which company will have the lowest rates.

How do I know if I need professional advice?

When buying the best auto insurance coverage for your vehicles, there really is not a perfect coverage plan. Coverage needs to be tailored to your specific needs.

For example, these questions might point out whether or not you might need professional guidance.

Am I covered if I drive in a foreign country?
Does my insurance cover a custom paint job?
Should I drop comprehensive coverage on older vehicles?
What can I do if my company won't pay a claim?
Does my policy cover me when driving someone else's vehicle?
Do I need to file an SR-22 for a DUI in Massachusetts?
Do I need special endorsements for business use of my vehicle?

If you don't know the answers to these questions but you think they might apply to your situation, then you may want to think about talking to an agent. To find an agent in your area, complete this form.

More information is located on the Massachusetts Division of Insurance website located here. Visitors are able to download brochures, find out industry alerts, and view a list of available companies.

Final considerations

Consumers switch companies for a number of reasons such as extreme rates for teen drivers, policy cancellation, poor customer service or even unfair underwriting practices. Regardless of your reason, choosing a new insurance company is easier than you think.

As you restructure your insurance plan, it's not a good idea to reduce coverage to reduce premium. There are too many instances where an insured cut collision coverage and learned later that they should have had better coverage. Your strategy should be to buy enough coverage at a price you can afford while still protecting your assets.

We covered a lot of tips how to compare auto insurance prices online. The key thing to remember is the more price quotes you have, the more likely it is that you will get a better rate. You may even find the best prices are with the least-expected company.