Tightwads Tips for Saving on Wilbraham Auto Insurance

No one looks forward to buying auto insurance, especially knowing they are paying too much. Drivers have so many to buy insurance from, and although it's a good thing to have a selection, too many choices makes it more difficult to compare rates.

It's important to compare prices occasionally since insurance rates are constantly changing. If you had the best rates a couple years back you can probably find a lower rate today. There is too much inaccurate information about auto insurance on the internet, so I'm going to show you some great ways to find affordable auto insurance.

Finding affordable coverage in Wilbraham is not that difficult. If you have car insurance now, you will most likely be able to reduce your rates substantially using this information. Massachusetts consumers only need to know the most effective way to compare company rates online.

Massachusetts auto insurance quotes

Finding Auto Insurance in Wilbraham, MA

There are several ways to shop for auto insurance, and some are easier and takes less work. You can spend countless hours talking about coverages with insurance agencies in Wilbraham, or you could save time and use online quotes to quickly compare rates.

The majority of car insurance companies belong to a marketplace that allows shoppers to enter their coverage request one time, and each company then returns a price quote. This saves time by eliminating quote requests to each individual auto insurance company.

To submit your quote information now, click to open in new window.

The one disadvantage to comparing rates this way is you are unable to specify the providers you want to price. If you would rather choose specific providers to compare rates, we put together a list of auto insurance companies in Massachusetts. View list of Massachusetts insurance companies.

It's your choice how you get your quotes, but make absolute certain that you use identical deductibles and coverage limits on every quote you get. If you are comparing different values for each quote it will be impossible to determine which rate is truly the best in Wilbraham.

Be sure to get all your discounts

Companies that sell car insurance don't always advertise all their discounts very clearly, so the following is a list of some of the best known as well as the least known savings tricks you should be using. If you're not getting every credit you qualify for, you're paying more than you need to.

  • Bundle and Save - When you combine your home and auto insurance with one company you may earn up to 20% off your total premium.
  • Anti-theft Discount - Cars that have factory anti-theft systems prevent vehicle theft and will save you 10% or more.
  • Pay Upfront and Save - If you pay your entire premium ahead of time instead of paying each month you could save up to 5%.
  • Senior Discount - Mature drivers can possibly qualify for a small decrease in premiums.
  • More Vehicles More Savings - Buying insurance for multiple cars or trucks on the same auto insurance policy may reduce the rate for each vehicle.
  • Defensive Driving Course - Completing a course teaching defensive driving skills can save you 5% or more and easily recoup the cost of the course.
  • Life Insurance - Companies who offer life insurance give a discount if you purchase a life insurance policy as well.

A little note about advertised discounts, most discounts do not apply to your bottom line cost. The majority will only reduce individual premiums such as collision or personal injury protection. So when the math indicates all the discounts add up to a free policy, you won't be that lucky.

To see a list of companies with the best auto insurance discounts in Massachusetts, click here to view.

How do I know if I need professional advice?

When choosing coverage for your vehicles, there isn't really a one size fits all plan. Everyone's needs are different so your insurance should reflect that For example, these questions might point out whether or not you would benefit from professional advice.

  • What is the difference between comprehensive and collision coverage?
  • Am I covered when renting a car or should I buy coverage from the car rental agency?
  • What can I do if my company won't pay a claim?
  • Should I buy additional glass protection?
  • Do I have any recourse if my insurance company denies a claim?
  • Can I afford to buy a different vehicle if my vehicle is totaled?
  • Should I rate my vehicle as pleasure use or commute?

If you're not sure about those questions, you may need to chat with an insurance agent. To find an agent in your area, fill out this quick form or you can go here for a list of companies in your area. It only takes a few minutes and can help protect your family.

For more Massachusetts car insurance information

Even more information can be read at the Massachusetts Division of Insurance website. Massachusetts drivers can view agent and company licensing information, read consumer alerts, view a list of available companies, and learn about insurance regulations.