6 Discounts Wilmington Shoppers Forget when Comparing Car Insurance

Searching for cheap Wilmington car insurance over the internet may be challenging for people who are new to comparing rates online. With dozens of insurers available, how can you effectively compare them all to find the best available rates?

Choosing the best insurance company for you in Wilmington is easy if you know what you're doing. If you are insured now or are looking for a new policy, you can use these techniques to find the best rates and still get good coverage. Massachusetts vehicle owners just need to know the most effective way to shop their coverage around online.

Free Quotes for Car Insurance in Wilmington, Massachusetts

Most major insurance companies like Progressive, Allstate and GEICO give coverage price quotes online. Getting quotes is fairly simple as you simply type in your coverage information into the quote form. Behind the scenes, their rating system will obtain your credit score and driving record and quotes a price based on many factors.

This streamlines rate comparisons, but having to visit different websites and complete many quote forms can be a bit repetitive. Unfortunately, it is important to compare as many rates as possible in order to get a lower rate.

The easy way to compare rates

A less time-consuming method to locate the lowest prices is to use a quote form to obtain quotes from multiple companies. It's a real time-saver, reduces the work, and makes online quotes a lot less work. As soon as the form is sent, your coverage is rated and you are able to buy any one of the returned quotes. If a lower price is quoted, it's easy to complete the application and buy the policy. This process can be completed in a matter of minutes and may result in a nice savings.

To find out how much you're overpaying now, click here and input your coverage information. If you have coverage now, it's recommended you replicate the insurance coverages identical to your current policy. This way, you will have an apples-to-apples comparison based on similar coverages.

More discounts equal less premium

Car insurance companies don't always publicize every discount very clearly, so we researched some of the more common as well as the least known savings tricks you should be using. If you're not getting every credit you deserve, you're just leaving money on the table.

  • Government Employees - Simply working for the federal government can save as much as 8% with a few car insurance companies.
  • 55 and Retired - Older drivers can possibly qualify for a small decrease in premiums.
  • Pay Upfront and Save - If you pay your entire premium ahead of time rather than paying monthly you could save up to 5%.
  • Multiple Policy Discount - When you have multiple policies with the same insurance company you could get a discount of 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.
  • Defensive Driving Course - Completing a driver safety course could cut 5% off your bill depending on where you live.

Consumers should know that most discount credits are not given to the overall cost of the policy. Most cut individual premiums such as comp or med pay. So when the math indicates you can get free auto insurance, companies don't profit that way.

For a list of insurance companies with the best car insurance discounts in Massachusetts, click here to view.

It's not one size fits all

When it comes to choosing the best car insurance coverage for your personal vehicles, there isn't really a "perfect" insurance plan. Everyone's situation is a little different.

Here are some questions about coverages that may help you determine if you would benefit from professional advice.

  • Why am I required to get a high-risk car insurance policy?
  • Should I buy additional glass protection?
  • Are my tools covered if they get stolen from my vehicle?
  • What is the difference between comprehensive and collision coverage?
  • Does my personal auto insurance policy cover using my vehicle for business use?
  • Do I really need UM/UIM coverage?
  • Can I get a multi-policy discount for packaging my home and auto coverage?
  • What are the best liability limits?

If you're not sure about those questions but a few of them apply, you may need to chat with an insurance agent. If you don't have a local agent, take a second and complete this form. It's fast, free and can help protect your family.

More detailed Massachusetts car insurance information is located at the Massachusetts Division of Insurance website. Consumers can read industry bulletins, learn about insurance regulations, and view a list of available companies.

Other useful links include this online resource for car insurance quotes in Massachusetts and this list of insurance agents in Wilmington.

Wilmington car insurance comparison

Best coverage at the best price

People who switch companies do it for a number of reasons such as high rates after DUI convictions, denial of a claim, unfair underwriting practices and policy non-renewal. It doesn't matter why you want to switch choosing a new insurance company is not as hard as you think.

When buying insurance coverage, make sure you don't reduce needed coverages to save money. There are too many instances where drivers have reduced collision coverage and learned later that their decision to reduce coverage ended up costing them more. Your strategy should be to purchase plenty of coverage at a price you can afford while still protecting your assets.

Discount car insurance is possible from both online companies as well as from independent agents in Wilmington, and you need to price shop both so you have a total pricing picture. Some insurance companies don't offer online quoting and these small, regional companies work with independent agents.