Easy Methods to Spend Less on West Newbury Auto Insurance

Finding lower premiums on West Newbury auto insurance is hard for consumers new to shopping for insurance online. You have so many options available that it can easily become more work than you anticipated to compare prices in West Newbury.

It's important to compare rates once or twice a year because prices are constantly changing. Just because you found the best price a couple years back you will most likely find a better rate today. Forget anything you know (or think you know) about auto insurance because we're going to demonstrate how to use online quotes to reduce your cost while improving coverage.

Take advantage of discounts

Car insurance can cost a lot, but there could be available discounts that you may not know about. Certain discounts will be applied at quote time, but less common discounts must be asked about in order for you to get them. If you're not getting every credit available, you are throwing money away.

Passive Restraint Discount - Vehicles with factory air bags may earn rate discounts of 20% or more.
Payment Method - By paying your policy upfront instead of monthly or quarterly installments you may reduce your total bill.
E-sign - A few companies may give you up to $50 for buying your policy over the internet.
Resident Student - Youth drivers who attend school more than 100 miles from home and do not have access to a covered vehicle may qualify for this discount.
One Accident Forgiven - Certain companies will forgive one accident before your rates go up if you are claim-free for a set time period.
Life Insurance Discount - Companies who offer life insurance give a discount if you purchase life insurance.

As a disclaimer on discounts, some credits don't apply to the entire cost. Some only reduce individual premiums such as medical payments or collision. So even though it sounds like adding up those discounts means a free policy, auto insurance companies aren't that generous. Any amount of discount will bring down your overall premium however.

Are auto insurance companies telling the truth?

Consumers in Massachusetts get pounded daily by advertisements for the lowest price auto insurance by State Farm and Allstate. All the ads have a common claim about savings after switching to their company.

How does each company claim to save you money?

Insurance companies can use profiling for the driver that earns them a profit. For example, a preferred risk might be between the ages of 30 and 50, has no tickets, and drives less than 10,000 miles a year. A customer getting a price quote that hits that "sweet spot" will get very good rates and most likely will save when switching.

Potential insureds who don't qualify for these standards will be charged more money and this can result in the customer not buying. The ads say "customers that switch" not "people who quote" save that much. That's why companies can truthfully advertise the way they do.

That is why you should compare many company's rates. It's impossible to know the company that will provide you with the cheapest rates.

More Massachusetts auto insurance information

Additional information can be found on the Massachusetts Division of Insurance website located here. Visitors are able to find out industry alerts, view a list of available companies, and get help finding coverage.

A tidy conclusion

We covered a lot of ways to reduce auto insurance prices online. The most important thing to understand is the more you quote, the better your comparison will be. Consumers may even find the lowest rates come from some of the lesser-known companies.

Drivers change insurance companies for a number of reasons such as poor customer service, unfair underwriting practices, an unsatisfactory settlement offer and even not issuing a premium refund. No matter why you want to switch, choosing a new insurance company is less work than it seems.

Cheap auto insurance can be sourced both online and also from your neighborhood West Newbury agents, and you should compare price quotes from both in order to have the best chance of saving money. Some auto insurance companies may not provide you the ability to get quotes online and many times these regional insurance providers only sell through independent insurance agents.