Tightwads Tips for Saving on Westminster Auto Insurance

Did you fall for a flashy sales pitch and buy an underperforming, overpriced auto insurance policy? Believe me when I say many consumers are feeling buyer's remorse and feel like there's no way out. Drivers have so many to buy insurance from, and even though it's nice to be able to choose, too many choices makes it more difficult to compare rates.

It's important to compare prices every six months because insurance rates are constantly changing. Even if you think you had the best price on your last policy there is a good chance you can find better rates now. Ignore everything you know about auto insurance because we're going to demonstrate how to quote online to find great coverage at a great price.

How to Lower your Auto Insurance Rates

Consumers need to have an understanding of the rating factors that play a part in calculating the price you pay for auto insurance. Knowing what impacts premium levels empowers consumers to make smart changes that may reward you with lower auto insurance prices.

Teen drivers pay high rates - Teen drivers in Massachusetts have a tendency to be more careless when behind the wheel so they pay higher auto insurance rates. Older insureds are viewed as being more responsible, tend to file fewer claims and get fewer tickets.
Liability coverage protects you - Your policy's liability coverage provides coverage if ever a court rules you are at fault for personal injury or accident damage. Liability provides for a legal defense starting from day one. This coverage is very inexpensive as compared to coverage for physical damage, so drivers should carry high limits.
Policy add-ons can waste money - There are quite a few extra coverages that you can buy on your auto insurance policy. Coverages for rental car reimbursement, towing coverage and additional equipment coverage may be wasting your money. These may sound like a good investment at first, but now you might not need them so eliminate them to save money.
Being married can save on auto insurance - Having a spouse helps lower the price on your auto insurance policy. It translates into being more responsible and it's statistically proven that being married results in fewer claims.
Higher safety ratings means cheaper insurance - Cars with high safety ratings tend to have better insurance rates. These vehicles protect occupants better and lower injury rates means lower claim amounts and thus lower rates.
Do you know your deductibles? - Coverage for physical damage, otherwise known as comp (or other than collision) and collision, is used to repair damage to your car. A few examples of covered claims could be colliding with a building, damage caused by hail, and rolling your vehicle. Physical damage deductibles are how much you are willing to pay out-of-pocket if you file a covered claim. The higher the amount you have to pay, the less your auto insurance will be.

Comprehensive Westminster Auto Insurance Comparison

All major auto insurance companies like Progressive, GEICO, Allstate and State Farm provide price estimates online. Getting online rates is quite simple as you just type in the coverages you want as detailed in the form. After the form is submitted, the company's rating system will obtain your credit score and driving record and returns a price quote based on these and other factors. Quoting online streamlines rate comparisons, but the process of having to visit each company's website and repetitively enter the same data into a form can get tiresome after awhile. But it's very important to have as many quotes as possible if you want to find the best price on auto insurance.

Quote rates the easy way

The preferred way to lower your rates uses one simple form that gets price quotes from more than one company. The form is fast, reduces the work, and makes price shopping online much more enjoyable. After sending your information, it gets priced with multiple companies and you can pick any one of the resulting price quotes. If the quotes result in lower rates, you can click and sign and buy the new coverage. The whole process takes 15 minutes at the most and you'll know if lower rates are available.

To save time and find out if lower rates are available, click here to open in new window and complete the simple form. If you currently have coverage, we recommend you enter the limits and deductibles identical to your current policy. This makes sure you will get comparison quotes for the exact same coverage.

Are you getting all your discounts?

Companies don't always list all their discounts very clearly, so we took the time to find both well-publicized and the more hidden ways to save on auto insurance. If you're not getting every credit possible, you are paying more than you should be.

Save over 55 - If you're over the age of 55, you may receive a small decrease in premiums.
Organization Discounts - Participating in a qualifying organization could trigger savings on auto insurance.
Drive Less and Save - Low mileage vehicles can earn better rates on cars that stay parked.
Sign Online - Certain companies will discount your bill up to fifty bucks for buying your policy over the internet.
Multiple Cars - Buying coverage for all your vehicles with the same company could earn a price break for each car.
Safety Course Discount - Completing a course in driver safety could possibly earn you a 5% discount if your company offers it.

As a disclaimer on discounts, many deductions do not apply to all coverage premiums. Most only apply to the cost of specific coverages such as liability, collision or medical payments. So when it seems like it's possible to get free car insurance, auto insurance companies aren't that generous.

To choose companies with discount auto insurance rates in Massachusetts, click this link.

How can Progressive, GEICO, Allstate and State Farm save drivers who switch?

Massachusetts consumers can't ignore all the ads that promise big savings from the likes of Progressive, GEICO, Allstate and State Farm. They all seem to make the same claim about savings if you change your coverage to them.

How does each company make almost identical claims?

All companies are able to cherry pick for the type of customer that makes them money. For example, a desirable insured could possibly be between the ages of 40 and 55, has no driving citations, and has great credit. A driver who matches those parameters is entitled to the best price and as a result will probably save when switching.

Consumers who are not a match for these standards will have to pay higher prices which leads to the driver buying from a lower-cost company. The ads state "people who switch" not "everybody who quotes" save that much money. That's the way companies can truthfully advertise the savings. Because of the profiling, you need to compare many company's rates. It is impossible to predict which auto insurance company will fit your personal profile best.

Even more information can be found at the Massachusetts Division of Insurance website. Massachusetts consumers can read enforcement actions against agents and companies, find out which companies have the most complaints, discover disciplinary actions, and get help finding coverage.

Best coverage at the best price

When you buy insurance online, never reduce coverage to reduce premium. There are many occasions where someone sacrificed physical damage coverage only to regret at claim time that the few dollars in savings costed them thousands. Your aim should be to buy a smart amount of coverage at an affordable rate.

Cheap auto insurance is attainable online as well as from independent agents in Westminster, so you should be comparing quotes from both in order to have the best price selection to choose from. There are still a few companies who don't offer online price quotes and most of the time these regional insurance providers sell through independent agents.