Insider Methods to Saving Money on Revere Massachusetts Car Insurance

Are you a victim of an overpriced car insurance policy? Trust us, you’re not the only one. Drivers have so many insurers to buy insurance from, and although it’s nice to have a selection, having more auto insurance companies makes it harder to compare rates and cut insurance costs.

It’s important to check car insurance prices once or twice a year since rates change regularly. Even if you think you had the best price last year other companies may now be cheaper. Forget anything you know (or think you know) about car insurance because we’re going to demonstrate the tricks you need to know to lower your rates without sacrificing coverage.

This article will help you learn how to get online quotes and some tricks to saving. If you currently have car insurance, you stand a good chance to be able to save some money using these tips. Massachusetts vehicle owners just need to know the best way to shop for car insurance on the web.

Are you getting all your discounts?

Insurance can cost an arm and a leg, but companies offer discounts that many people don’t even know exist. Some trigger automatically at the time you complete a quote, but less common discounts must be inquired about before being credited. If you’re not getting every credit you deserve, you are throwing money away.

Auto/Home Discount – When you combine your home and auto insurance with the same company you may earn up to 20% off your total premium.
Good Students Pay Less – This discount can earn a discount of 20% or more. The discount lasts up until you turn 25.
Senior Discount – Mature drivers may receive better car insurance rates.
Theft Prevention Discount – Vehicles with anti-theft systems help deter theft and earn discounts up to 10%.
Safe Driver Discount – Drivers who don’t get into accidents may receive a discount up to 45% less than drivers with accidents.
Auto/Life Discount – Companies who offer life insurance give better rates if you take out auto and life insurance together.
Discount for Swiching Early – A few companies offer discounts for switching to them before your current expiration date. The savings is around 10%.
Government Employees – Employees or retirees of the government may qualify you for a discount with select insurance companies.
Drive Less and Save – Keeping the miles down can earn better rates on cars that stay parked.

It’s important to note that some of the credits will not apply to the entire policy premium. Some only apply to individual premiums such as collision or personal injury protection. So despite the fact that it appears all the discounts add up to a free policy, it just doesn’t work that way. Any amount of discount will reduce your overall premium however.

To choose providers who offer car insurance discounts in Revere, click here to view.

Car Insurance Comparison Rates in Revere, MA

All major car insurance companies such as State Farm, Allstate and GEICO allow you to get pricing directly from their websites. Obtaining pricing is pretty easy as you just enter the amount of coverage you want into the quote form. Once entered, the company’s rating system obtains your driving and credit reports and returns a price quote based on many factors. This helps simplify price comparisons, but the work required to visit multiple sites and type in the same information can get tiresome after awhile. But it is imperative to get many rate quotes if you want to find the best price on car insurance.

A more efficient way to compare rates uses one form that gets price quotes from many companies. It saves time, eliminates form submissions, and makes online price comparison a lot less work. Immediately after submitting the form, it is rated with multiple companies and you can pick any of the price quotes you receive.

If a lower price is quoted, you can simply submit the application and purchase the new policy. It only takes a few minutes and you will find out if you’re overpaying now.

To find out how much you’re overpaying now, click here to open in new window and complete the simple form. To compare your current rates, we recommend that you enter the insurance coverages identical to your current policy. This ensures you will have comparison quotes for similar coverage. Massachusetts insurance ad

What determines how much you pay?

Smart consumers have a good feel for the different types of things that come into play when calculating car insurance rates. When you know what positively or negatively impacts premium levels allows you to make educated decisions that may reward you with big savings.

The list below includes a partial list of the pieces companies use to determine rates.

Do you qualify for a multi-policy discount? – Many companies will award you with lower prices to people who buy several policies from them. It’s known as a multi-policy discount. Discounts can add up to anywhere from five to ten percent in most cases. If you currently are using one company, you may still want to compare rates to make sure you are getting the best deal. You may still find better rates by buying car insurance from a different company.
Theft deterrents lower rates – Driving a car with a theft deterrent system can get you a discount on your car insurance. Anti-theft devices like tamper alarm systems, vehicle immobilizer technology and General Motors OnStar all hinder your car from being stolen.
Too many car insurance claims drive up costs – Companies in Massachusetts give better rates to policyholders who are claim-free. If you file claims often, you can look forward to either higher rates or even cancellation. Insurance coverage is designed for the large, substantial claims.
Safer cars cost less to insure – Safer cars are cheaper to insure. The safest vehicles reduce injuries and lower injury rates translates into savings for insurance companies passed on to you as lower rates.

It’s not one size fits all

When it comes to buying coverage for your personal vehicles, there really is not a perfect coverage plan. Each situation is unique so your insurance needs to address that. For example, these questions can help discover if you would benefit from an agent’s advice.

What is covered by UM/UIM coverage?
Are my friends covered when driving my vehicle?
When would I need additional glass coverage?
What vehicles should carry emergency assistance coverage?
Should I put collision coverage on all my vehicles?
Where can I get insurance after a DUI in Massachusetts?
Does medical payments coverage apply to all occupants?
Am I getting all the discounts available?
Will I be non-renewed for getting a DUI or other conviction?
Am I covered by my spouse’s policy after a separation?

If you’re not sure about those questions, then you may want to think about talking to an insurance agent. If you want to speak to an agent in your area, simply complete this short form or go to this page to view a list of companies. It is quick, free and you can get the answers you need.

Comparing rates from local agents

Certain consumers prefer to buy from a licensed agent and that is just fine! Educated insurance agents can answer important questions and help file insurance claims. The best thing about comparing insurance prices online is you may find better rates but still work with a licensed agent. And providing support for local businesses is important particularly in Revere.

To help locate an agent, after submitting this form (opens in new window), the quote information gets sent to local insurance agents who will give you bids for your insurance coverage. There is no need to even leave your home because quoted prices will be sent to the email address you provide. Now that’s easy!

Different types of insurance agents in Revere

When researching a good insurance agency, there are a couple of different agency structures to choose from. Agents are classified as either captive or independent. Both types can properly insure your vehicles, but it’s good to learn how they differ because it can impact buying decisions.

Independent Agents

These agents are not employed by any specific company so they can insure your vehicles with many different companies depending on which coverage is best. To transfer your coverage to a different company, they simply move the coverage in-house and you won’t have to switch agencies. When searching for an agent, we recommend you include several independent insurance agents for the best price selection.

The following is a list of independent insurance agencies in Revere that may be able to provide price quote information.

Moccia Insurance – 655 Broadway – Revere, MA 02151 – (781) 286-2389
Hill Insurance – 375 Broadway – Revere, MA 02151 – (781) 289-4430

Captive Agents

This type of agents are contracted to one company such as AAA, Allstate, State Farm, Farmers Insurance or Liberty Mutual. They usually cannot provide prices from multiple companies so it’s a take it or leave it situation. Captives are well schooled on their products and sales techniques which can be an advantage.

Picking an insurance agency needs to be determined by more than just the premium amount. Any agent should have no problem answering these questions:

Do they have advanced training designations such as CPCU, AAI, AIC, or CIC?
How are they compensated?
Which company do they place the most coverage with?
If you are a high risk driver, do they have special markets for your coverage?
How much can you save by raising your physical damage deductibles?

Once you have satisfactory answers to these questions and a good coverage price, you have narrowed it down to an insurance agent that can insure your vehicles.

Quote more, save more

We just presented some good ideas how you can save on car insurance. The key concept to understand is the more rate quotes you have, the better your chances of lowering your rates. Consumers may even find the lowest premiums are with a lesser-known regional company. Some small companies may have significantly lower rates on certain market segments than the large multi-state companies such as Allstate, GEICO and Progressive.

While you’re price shopping online, it’s a bad idea to buy less coverage just to save a little money. Too many times, an accident victim reduced comprehensive coverage or liability limits only to regret that saving that couple of dollars actually costed them tens of thousands. Your aim should be to purchase a proper amount of coverage for the lowest price while still protecting your assets.

More information can be found on the website for the Massachusetts Division of Insurance found here. Consumers can read consumer alerts, get help finding coverage, and file complaints about a company.