How to Know You're Spending Too Much for Auto Insurance in Winthrop

Having to pay for overpriced auto insurance can empty your bank account and force you to prioritize other expenses. Comparison shopping is free, only takes a few minutes, and is a good way to help make ends meet. With consumers having so many choices, it's nearly impossible to pick the lowest cost company.

It's important to check auto insurance prices yearly because insurance rates are constantly changing. If you had the lowest price a couple years back you can probably find a lower rate today. Ignore everything you know about auto insurance because you're about to learn the fastest and easiest way to lower your rates without sacrificing coverage.

Buying car insurance in Winthrop is not that difficult. If you are insured now or are looking for a new policy, you can follow these tips to get lower rates and possibly find even better coverage. Massachusetts consumers only need to know the most effective way to get comparison rates online.

Massachusetts auto insurance quotes

How to Get Cheap Auto Insurance in Winthrop, MA

Cutting your Winthrop auto insurance rates is actually quite simple. You just have to spend a few minutes on the computer to get quotes provided by online insurance companies. This can be accomplished in just a few minutes using one of these methods.

  • The recommended way to get quotes is to use a rate comparison form (click to open form in new window). This easy form eliminates the need for a different quote for every auto insurance company. A single, simple form gets you coverage quotes .
  • A less efficient way to get quotes online consists of going to the website for each individual company to complete their respective quote request forms. For sake of this example, let's say you want comparison quotes from , and . To get rate quotes you would need to spend time on each company's site to enter your coverage information, which is why the first method is more popular.

    To view a list of companies in Winthrop, click here.

It's up to you which method you use, but make sure you use apples-to-apples coverages on every quote you get. If you enter different limits and deductibles on each one it's not possible to determine which rate is truly the best in Winthrop.

Save big with these discounts

Car insurance companies don't necessarily list all their discounts very well, so we researched both well-publicized as well as the least known savings tricks you should be using. If you don't get every credit you deserve, you're paying more than you need to.

  • Life Insurance - Companies who offer life insurance give a break if you buy a life insurance policy as well.
  • Discount for New Cars - Buying coverage on a new vehicle can be considerably cheaper since new cars are generally safer.
  • Government Employees - Being employed by or retired from a federal job can save as much as 8% with select insurance companies.
  • Anti-theft Discount - Cars that have factory anti-theft systems are stolen less frequently and will save you 10% or more.
  • Defensive Driving Course - Completing a course in driver safety could cut 5% off your bill and easily recoup the cost of the course.
  • Sign Early and Save - Some insurance companies reward drivers for switching policies before your current expiration date. It can save you around 10%.
  • Passive Restraint Discount - Factory air bags or automatic seat belts can receive discounts of 20% or more.

A little note about advertised discounts, most discount credits are not given to your bottom line cost. Most only cut individual premiums such as collision or personal injury protection. Even though it may seem like 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.

But I don't know anything about car insurance

When choosing the best auto insurance coverage for your personal vehicles, there really is no one size fits all plan. Coverage needs to be tailored to your specific needs so your insurance should reflect that These are some specific questions can help discover if your situation would benefit from professional advice.

  • When does my teenage driver need to be added to my policy?
  • Can I still get insurance after a DUI?
  • Am I covered if I drive in a foreign country?
  • Does my personal auto insurance policy cover using my vehicle for business use?
  • Should I have combined single limit or split liability limits?
  • Does my car insurance cover rental cars?
  • Should I drop comprehensive coverage on older vehicles?

If you're not sure about those questions then you might want to talk to an agent. If you want to speak to 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.

Learn more about auto insurance in Massachusetts

Even more information is located at the Massachusetts Division of Insurance website. Massachusetts consumers can view agent and company licensing information, file complaints about an insurance agent or broker, download brochures, and read consumer alerts.

Additional helpful sites include Wikipedia and this page where you can research Winthrop insurance agents.