How to Know You're Spending Too Much for Auto Insurance in West Newton

Having to pay for overpriced auto insurance can drain your bank account and make it hard to pay other bills. Comparing price quotes is a great way to reduce premiums and put more money in your pocket.

Since consumers have many companies to choose from, it can be impossible to pick the best company.

It's important to compare rates on a regular basis because insurance rates are constantly changing. Even if you got the best deal a few years ago you can probably find a lower rate today. So just ignore everything you know about auto insurance because you're about to learn the proper way to properly buy coverages and cut your premium.

Buying car insurance in West Newton is quite easy. If you currently have car insurance, you will be able to save some money using these methods. Nevertheless, Massachusetts drivers do need to know the way companies price online insurance and take advantage of how the system works.

West Newton auto insurance quote

Auto Insurance Prices in West Newton, Massachusetts

There are several ways of comparing rate quotes from local West Newton auto insurance companies. The best method to compare insurance prices is to use the internet to compare rates. This can be done in several different ways.

  • The recommended way to find the lowest comparison rates is to use a rate comparison form (click to open form in new window). This type of form eliminates the need for separate quotes for each company. One form submission compares rates instantly.
  • A less efficient way to compare rate quotes is going to the website for each individual company and fill out their own quote form. For examples sake, let's say you want comparison quotes from , and . You would have to take the time to go to each site and enter your information, which is why most consumers use the first method.

    To view a list of companies in West Newton, click here.
  • The most time-consuming way to compare rates is to waste gas driving to local insurance agencies. Buying insurance online has reduced the need for local agents unless you prefer the professional guidance of a licensed agent. It is possible to get the lowest quotes online and still use a local agent.

However you get your quotes, ensure you are comparing apples-to-apples coverage limits and deductibles for every quote you compare. If the quotes have different liability limits it will be next to impossible to determine the best price in West Newton. Slightly different coverage limits may result in a large different in cost. Just remember that getting more free quotes provides better odds of finding the best rates.

Take advantage of discounts

Car insurance companies don't list every available discount very well, so here is a list both well-publicized and the more hidden discounts you could be receiving.

  • Anti-theft System - Vehicles with anti-theft systems are stolen less frequently and qualify for as much as a 10% discount.
  • Accident Waiver - Some insurance companies permit an accident before raising your premiums if you are claim-free for a certain period of time.
  • Anti-lock Brakes - Anti-lock brake equipped vehicles are safer to drive and earn discounts up to 10%.
  • Defensive Driver - Taking a course in driver safety could cut 5% off your bill and easily recoup the cost of the course.
  • Low Mileage - Driving fewer miles can qualify you for a substantially lower rate.
  • Payment Discounts - By paying your policy upfront instead of paying each month you may reduce your total bill.
  • Life Insurance Discount - Larger companies have a break if you buy life insurance from them.
  • Early Signing - A few companies offer discounts for switching policies before your current expiration date. This can save 10% or more.

Consumers should know that some of the credits will not apply to all coverage premiums. Most only reduce the cost of specific coverages such as comprehensive or collision. So despite the fact that it appears you could get a free auto insurance policy, companies don't profit that way.

To see a list of providers offering auto insurance discounts in Massachusetts, click here.

More tips and info about auto insurance is available at the Massachusetts Division of Insurance website. Massachusetts consumers can read consumer alerts, learn about insurance regulations, find out industry alerts, and discover disciplinary actions.

Additional helpful sites include BankRate.com's Car Insurance: When not to Skimp and this West Newton agent directory.