How to Get the Cheapest West Yarmouth Auto Insurance

If you are a novice to online auto insurance shopping, you can be overwhelmed by the large number of auto insurance companies competing for business in West Yarmouth.

It's important to check auto insurance prices periodically because prices are constantly changing. Just because you found the best price last year the chances are good that you can find a lower rate today. Block out anything you think you know about auto insurance because you're about to find out how to use online quotes to find better coverage at a better price.

These discounts can lower your rates

Car insurance companies do not list all their discounts in a way that's easy to find, so we took the time to find both the well known and the more hidden ways to save on auto insurance. If you aren't receiving every discount you qualify for, you're paying more than you need to.

Accident Forgiveness - A handful of insurance companies permit an accident before raising your premiums as long as you don't have any claims for a set time period.
Good Student - A discount for being a good student can earn a discount of 20% or more. This discount can apply well after school through age 25.
Homeowners Savings - Owning a house in West Yarmouth may earn you a small savings due to the fact that maintaining a home is proof that your finances are in order.
Accident Free - Good drivers with no accidents can save substantially as compared to bad drivers.
Early Switch Discount - A few companies offer discounts for buying a policy before your current expiration date. It's a savings of about 10%.
Theft Prevention Discount - Vehicles equipped with anti-theft or alarm systems help deter theft and qualify for as much as a 10% discount.

A little note about advertised discounts, most discount credits are not given to the entire policy premium. Most only apply to the cost of specific coverages such as liability, collision or medical payments. So even though they make it sound like all the discounts add up to a free policy, you won't be that lucky.

To see a list of companies who offer auto insurance discounts in West Yarmouth, click this link.

West Yarmouth Auto Insurance Comparisons

Most companies provide prices for coverage on their websites. This process is fairly straightforward as you just type in your personal and coverage information as detailed in the form. Once you submit the form, the system will obtain your driving record and credit report and returns a price quote.

Online quotes makes comparing rates easy, but the process of having to visit many different websites and complete many quote forms can be a bit tiresome and repetitive. But it's very important to compare as many rates as possible if you want to find better auto insurance pricing.

Quote rates the easy way

The preferred way to compare rates uses one form that gets price quotes from many companies. The form is fast, requires less work, and makes comparison shopping much more enjoyable. Immediately after submitting the form, it gets priced and you can select your choice of the price quotes you receive. If the quotes result in lower rates, you can click and sign and purchase coverage. The whole process takes 15 minutes at the most and you will find out if you're overpaying now.

To find out what other companies charge, click here to open in new window and submit the form. If you currently have coverage, we recommend you input the coverage information as close as possible to your current policy. This makes sure you are getting rate quotes based on the exact same insurance coverage.

What determines how much you pay?

An important part of buying insurance is that you know the rating factors that help determine the rates you pay for auto insurance. Having a good understanding of what impacts premium levels allows you to make educated decisions that may reward you with much lower annual insurance costs.

Women pay lower rates - Statistics show women are more cautious behind the wheel. However, this does not mean women are better drivers. Both sexes are in accidents in similar percentages, but the males have costlier accidents. They also have more aggressive citations like DUI and reckless driving. Youthful male drivers are several times more likely to be in an accident and therefore have the most expensive auto insurance rates.
Cautious drivers pay less - Good drivers receive lower rates compared to drivers with tickets. Only having one moving violation can increase rates twenty percent or more. Drivers who have flagrant citations like DWI, reckless driving or hit and run convictions may need to submit a SR-22 form to the state department of motor vehicles in order to keep their license.
What are your deductibles? - Insurance for physical damage to your car, also known as collision and other-than-collision, is used to repair damage to your car. Examples of covered claims would be colliding with a building, damage from fire, and rolling your vehicle. Physical damage deductibles are how much you are required to spend before your auto insurance pays a claim. The higher the amount you're willing to pay, the lower your rates will be.
Occupation reflects on rates - Did you know your occupation can influence how much you pay for auto insurance? Jobs such as lawyers, executives and dentists tend to pay the highest average rates attributed to high stress levels and long work days. Other occupations such as scientists, historians and performers have the lowest average rates.

Different people need different coverages

When choosing the right insurance coverage for your vehicles, there really is not a perfect coverage plan. Everyone's needs are different.

For instance, these questions may help highlight whether you may require specific advice.

Does my policy cover me when driving someone else's vehicle?
Do I need to file an SR-22 for a DUI in Massachusetts?
Does my policy cover my teen driver if they drive my company car?
Will I be non-renewed for getting a DUI or other conviction?
Does my car insurance cover rental cars?
Do I need special endorsements for business use of my vehicle?

If it's difficult to answer those questions but you think they might apply to your situation, then you may want to think about talking to an agent. To find lower rates from a local agent, fill out this quick form. It only takes a few minutes and can provide invaluable advice.

Are you falling for claims of savings?

Consumers in Massachusetts can't get away from ads for cheaper car insurance by companies like State Farm, GEICO and Progressive. They all seem to make the same claim about savings after switching to them.

How can each company claim to save you money?

Insurance companies have a certain "appetite" for the type of driver that is profitable for them. For example, a desirable insured might be over the age of 50, a clean driving record, and drives newer vehicles. A customer getting a price quote who matches those parameters is entitled to the best price and as a result will probably save when they switch companies.

Consumers who are not a match for the requirements will have to pay higher rates which leads to the customer not buying. The ads state "people who switch" not "everybody who quotes" save money. That is how companies can truthfully claim big savings. Because of the profiling, drivers must get as many comparisons as possible. It's impossible to know which company will give you the biggest savings.

In the end, you save

Cheaper auto insurance can be sourced both online and with local West Yarmouth insurance agents, and you should be comparing both to get a complete price analysis. A few companies do not offer the ability to get a quote online and most of the time these regional insurance providers sell through independent agents.

We covered some good ideas how to compare auto insurance prices online. The most important thing to understand is the more rate comparisons you have, the better chance you'll have of finding lower rates. You may even find the biggest savings come from an unexpected company.

Insureds change insurance companies for many reasons like denial of a claim, poor customer service, an unsatisfactory settlement offer or high rates after DUI convictions. Regardless of your reason for switching companies, finding the right auto insurance provider is actually quite simple.

Additional Massachusetts consumer information

Even more information can be found at the Massachusetts Division of Insurance website. Visitors are able to learn about insurance regulations, file complaints about a company, and report car insurance fraud.