6 Methods to Save on Car Insurance in West Springfield

Purchasing cheap West Springfield car insurance over the internet can seem to be intimidating for people who are new to comparison shopping online. Since there are so many insurers to choose from, how can you even start to compare them all to find the cheapest rates?

It's important to check car insurance prices quite often since rates are constantly changing. Despite the fact that you may have had the best deal a couple years back a different company probably has better rates today. So just ignore everything you know about car insurance because we're going to show you the proper way to save money, get proper coverage and the best rates.

If you have a current car insurance policy or are looking for a new policy, you can learn to get lower rates and still get good coverage. Buying affordable protection in West Springfield is simple if you know the tricks. Massachusetts drivers only need an understanding of the most effective way to compare prices over the internet.

How much can you save with these six discounts?

The cost of insuring your cars can be expensive, but there are discounts available to cut the cost considerably. Larger premium reductions will be automatically applied at the time you complete a quote, but some must be asked about prior to getting the savings. If they aren't giving you every credit you deserve, you are throwing money away.

College Student - Kids in college who live away from home and do not have access to a covered vehicle can receive lower rates.
55 and Retired - If you qualify as a senior citizen, you may be able to get reduced rates.
Anti-lock Brake System - Cars that have steering control and anti-lock brakes can reduce accidents and will save you 10% or more.
Early Switch Discount - Some insurance companies reward drivers for switching to them prior to your current policy expiring. It's a savings of about 10%.
Good Student Discount - Performing well in school can get you a discount of up to 25%. The discount lasts well after school through age 25.
Government Employees - Active or retired federal employment can save as much as 8% with select insurance companies.

Consumers should know that most discounts do not apply to the overall cost of the policy. Most only cut individual premiums such as liability, collision or medical payments. Even though it may seem like you can get free auto insurance, companies don't profit that way. Any qualifying discounts will cut the amount you have to pay.

How much car insurance do I need?

When it comes to buying proper insurance coverage for your personal vehicles, there is no "perfect" insurance plan. Coverage needs to be tailored to your specific needs.

For example, these questions may help you determine if your insurance needs would benefit from professional advice.

Why does it cost so much to insure a teen driver in West Springfield?
Should I buy additional glass protection?
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?
Should I put collision coverage on all my vehicles?
Why am I required to get a high-risk car insurance policy?
Am I covered when delivering products for my home-based business?

If you're not sure about those questions but a few of them apply, you might consider talking to an agent. If you want to speak to an agent in your area, simply complete this short form. It's fast, doesn't cost anything and can help protect your family.

Save 15 percent in 15 minutes? Is it for real?

Consumers get pounded daily by advertisements for car insurance savings by companies like Progressive, GEICO, Allstate and State Farm. They all seem to make an identical promise of big savings after switching to them.

How do they all make the same claim?

All companies have a preferred profile for the type of driver that earns them a profit. An example of a desirable insured could be a mature driver, insures multiple vehicles, and drives less than 10,000 miles a year. Any new insured who meets those qualifications will qualify for the lowest rates and is almost guaranteed to cut their rates substantially.

Potential customers who don't meet the "perfect" profile will have to pay a more expensive rate and ends up with business going elsewhere. The ad wording is "customers that switch" but not "drivers who get quotes" save money. This is how insurance companies can confidently advertise the way they do.

Because of the profiling, drivers should get as many comparisons as possible. It's just too difficult to predict which insurance companies will provide you with the cheapest rates.

Additional car insurance information is available on the Massachusetts Division of Insurance website located here. Consumers can read enforcement actions against agents and companies, learn about insurance regulations, and find out industry alerts.

In the end, you save

As you go through the steps to switch your coverage, you should never skimp on coverage in order to save money. There are many occasions where drivers have reduced liability limits or collision coverage only to find out that the savings was not a smart move. Your aim should be to purchase a proper amount of coverage at a price you can afford.

Cost effective car insurance can be bought from both online companies and with local West Springfield insurance agents, and you need to price shop both to have the best rate selection. Some car insurance companies do not offer you the ability to get quotes online and most of the time these smaller companies sell through independent agents.

You just learned many tips how you can reduce car insurance prices online. The most important thing to understand is the more times you quote, the better your chances of lowering your rates. You may even find the best price on car insurance is with the least-expected company.