Consumer Tested Strategies to Save on West Chatham Auto Insurance

No one enjoys paying for auto insurance, particularly when they are paying too much.

With so many auto insurance companies to choose from, it can be hard to pick the right car insurance company.

Buying the lowest cost coverage in West Chatham is simple if you know the tricks. In a nutshell, everyone who has to buy auto insurance will be able to save money. Nevertheless, Massachusetts consumers do need to know how the larger insurance companies sell insurance online and take advantage of how the system works.

Be sure to get all your discounts

Insurance can cost an arm and a leg, but you can get discounts that you may not even be aware of. Certain discounts will be triggered automatically when you complete an application, but lesser-known reductions have to be manually applied before they will apply.

  • Multi-car Discount - Buying insurance for more than one vehicle on the same auto insurance policy may reduce the rate for each vehicle.
  • Anti-lock Brake Discount - Anti-lock brake equipped vehicles are safer to drive and will save you 10% or more.
  • Early Signing - Some insurance companies reward drivers for buying a policy before your current expiration date. This can save 10% or more.
  • Good Student - A discount for being a good student can get you a discount of up to 25%. The discount lasts until age 25.
  • Paperless Signup - Certain companies may give you up to $50 simply for signing online.
  • Senior Citizens - Mature drivers may qualify for better auto insurance rates.
  • Discount for Life Insurance - Larger companies have a break if you buy a life insurance policy as well.

It's important to understand that most of the big mark downs will not be given to your bottom line cost. Most only reduce individual premiums such as physical damage coverage or medical payments. So despite the fact that it appears all the discounts add up to a free policy, it doesn't quite work that way. Any qualifying discounts will help reduce the amount you have to pay.

To see a list of insurers offering auto insurance discounts in Massachusetts, follow this link.

West Chatham Auto Insurance Quote Comparison

Comparing auto insurance rates is a ton of work if you aren't aware of the most efficient way to do it. You can waste a lot of time driving to insurance agencies in West Chatham, or you could save time and use online quoting for quick rates.

Many insurance companies enroll in a system that allows shoppers to enter their coverage request one time, and at least one company returns a rated price based on that information. This eliminates the need for repetitive form submissions to each individual auto insurance company. To submit your quote information now, click to open in new window.

The only drawback to using this type of system is buyers cannot specifically choose which carriers you want pricing from. If you would rather choose specific providers to request quotes from, we have a listing of auto insurance companies in Massachusetts. Click here for list of insurance companies in Massachusetts.

Whichever way you use, make absolute certain that you use apples-to-apples coverages and limits on every quote. If the quotes have different deductibles it will be impossible to make a fair comparison in West Chatham. Just a small difference in coverage limits may cause a big price difference. And when quoting auto insurance, remember that obtaining a wide range of quotes gives you a better chance of getting a lower rate.

West Chatham Rates are Influenced by These Factors

An important part of buying insurance is that you know some of the elements that go into determining the rates you pay for auto insurance. When you know what positively or negatively determines base rates enables informed choices that could result in lower auto insurance prices.

  • Lower deductibles cost more - Your deductibles represent how much money you are willing to pay in the event of a claim. Physical damage coverage, also known as collision and other-than-collision, covers damage that occurs to your car. Some instances where coverage would apply would be colliding with a building, collision with an animal, or theft. The more money you are required to pay out-of-pocket, the lower your rates will be.
  • Credit scores impact auto insurance rates - A driver's credit score is a important factor in determining your rates. If your credit score is lower than you'd like, you could pay less to insure your by improving your rating. Drivers who have high credit scores tend to be better drivers and file fewer claims than drivers with poor credit.
  • What type of vehicle do you drive? - The type of car you are insuring makes a huge difference in determining your rates. The lowest rates are for economy passenger vehicles, but there are many factors that impact the final cost.
  • Cautious drivers pay less - Careful drivers have lower premiums than bad drivers. Just one citation can boost insurance rates twenty percent or more. Drivers with serious tickets such as reckless driving, hit and run or driving under the influence are required to submit a SR-22 or proof of financial responsibility to the state department of motor vehicles in order to continue driving.

How do I know if I need professional advice?

When choosing proper insurance coverage for your vehicles, there really is no perfect coverage plan. Everyone's needs are different so your insurance needs to address that. For example, these questions might point out whether or not you will benefit from professional help.

  • Am I covered when driving on a suspended license?
  • Does my insurance cover a custom paint job?
  • Does my car insurance cover rental cars?
  • Do I need to file an SR-22 for a DUI in Massachusetts?
  • Does medical payments coverage apply to all occupants?
  • Am I covered by my employer's commercial auto policy when driving my personal car for business?
  • Am I covered if I wreck a rental car?

If you don't know the answers to these questions but you think they might apply to your situation then you might want to talk to a licensed insurance agent. To find lower rates from a local agent, simply complete this short form or go to this page to view a list of companies.

Is there truth in advertising?

Allstate, GEICO and Progressive constantly bombard you with television and radio advertisements. All the companies say the same thing of big savings if you switch to their company. But how can every company claim to save you money?

All companies have a certain "appetite" for the driver that is profitable for them. An example of a profitable customer might be between the ages of 40 and 55, owns a home, and has a short commute. A customer getting a price quote who fits that profile will get the preferred rates and is almost guaranteed to save a lot of money.

Consumers who don't measure up to this ideal profile must pay higher rates which usually ends up with the customer not buying. The ads state "customers that switch" but not "drivers who get quotes" save that much. That is how insurance companies can confidently make the claims of big savings.

This illustrates why drivers must quote coverage with many companies. It's impossible to know which company will fit your personal profile best.

The best insurance company isn't always the cheapest

Low-cost auto insurance is available both online and also from your neighborhood West Chatham agents, so you should be comparing quotes from both to get a complete price analysis. Some insurance providers may not provide the ability to get a quote online and usually these smaller companies provide coverage only through local independent agents.

As you shop your coverage around, don't be tempted to reduce coverage to reduce premium. In too many instances, an insured cut comprehensive coverage or liability limits to discover at claim time that saving that couple of dollars actually costed them tens of thousands. Your focus should be to get the best coverage possible at a price you can afford while not skimping on critical coverages.

We covered many ways to compare auto insurance prices online. The key thing to remember is the more rate comparisons you have, the better likelihood of reducing your rate. Drivers may discover the lowest priced auto insurance comes from a small local company. These smaller insurers can often provide lower rates in certain areas compared to the large companies like .

West Chatham auto insurance quote

For more Massachusetts car insurance information

Additional auto insurance information is available on the website for the Massachusetts Division of Insurance located here. Visitors are able to report car insurance fraud, find out industry alerts, learn about specific coverages, and file complaints about a company.

Additional helpful sites include this page for Massachusetts auto insurance and this page for help finding agents in West Chatham, MA.