Pay Less for Attleboro, MA Auto Insurance Rates in Five Minutes

Did you fall for a flashy sales pitch and buy an underperforming, overpriced auto insurance policy? Trust us when we tell you there are lots of people in the same boat. Companies like State Farm, GEICO and Farmers Insurance increase brand awareness with TV and radio ads and consumers find it hard to ignore the promise of big savings and take the time to shop coverage around.

It’s a good habit to take a look at other company’s rates every six months because rates change frequently. If you had the best price on your last policy you can probably find a lower rate today. There is a lot of bad advice regarding auto insurance on the web, but I’m going to show you some tested techniques to stop overpaying for insurance.

If you have a current auto insurance policy or need a new policy, you can learn to shop for the lowest rates while maximizing coverage. Buying car insurance in Attleboro is not rocket science. Massachusetts consumers only need to know the tricks to get comparison rates on the web.

Save Money with These Tips

Smart consumers have a good feel for some of the elements that play a part in calculating your auto insurance rates. Understanding what impacts premium levels enables informed choices that can help you get lower auto insurance prices.

Shown below are a partial list of the pieces auto insurance companies consider when setting your rates.

• Careful drivers pay lower rates – A bad driving record has a huge affect on how much you pay. Drivers with clean records get better rates than their less careful counterparts. Even a single speeding ticket may increase your cost forty percent or more. If you have dangerous violations like hit and run, DWI or reckless driving convictions may find they need to submit a SR-22 or proof of financial responsibility to the state department of motor vehicles in order to prevent a license revocation.
• Your location affects your rates – Living in a rural area can save you money when insuring your vehicles. Less people living in that area translates into fewer accidents. Urban drivers regularly have traffic congestion and much longer commute distances. Higher commute times translates into higher accident risk.
• Bundling policies can get discounts – Most insurance companies will award you with lower prices to policyholders who carry more than one policy in the form of a multi-policy discount. If you currently are using one company, it’s still a good idea to compare rates to confirm you are receiving the best rates possible. You may still be able to find a better deal by buying auto insurance from a different company.
• The type of vehicle makes a difference – The performance level of the vehicle you are insuring makes a huge difference in how high your rates are. Economy passenger models generally receive the lowest base rates, but the final cost of insurance is determined by many other factors.
• Your car’s features help determine rates – Driving a car with an alarm system can help lower your rates. Theft prevention features such as vehicle immobilizer systems, General Motors OnStar and LoJack tracking systems all hinder auto theft.

Cut your premium with discounts

Car insurance is not cheap, but you may find discounts to cut the cost considerably. Larger premium reductions will be automatically applied at quote time, but less common discounts must be inquired about before they will apply. If they aren’t giving you every credit available, you are throwing money away.

• Anti-lock Brakes – Vehicles equipped with ABS or steering control can avoid accidents and earn discounts up to 10%.
• Drivers Education – Make teen driver coverage more affordable by requiring them to take driver’s ed class in high school.
• Bundle and Save – If you insure your home and vehicles with one insurance company you may earn up to 20% off your total premium.
• Theft Prevention Discount – Cars that have factory anti-theft systems can help prevent theft and will save you 10% or more.
• Low Mileage – Low mileage vehicles could qualify for lower rates on the low mileage vehicles.
• Defensive Driving Course – Taking a course teaching defensive driving skills could save 5% or more depending on where you live.
• Federal Government Employee – Being employed by or retired from a federal job can save as much as 8% with select insurance companies.
• Discount for Life Insurance – Some companies give better rates if you take out auto and life insurance together.
• Homeowners Pay Less – Being a homeowner may earn you a small savings because of the fact that having a home demonstrates responsibility.
• No Claims – Drivers who don’t have accidents can save substantially when compared with accident-prone drivers.

It’s important to note that many deductions do not apply to the entire cost. The majority will only reduce specific coverage prices like comp or med pay. So when the math indicates adding up those discounts means a free policy, you’re out of luck. But any discount will cut the amount you have to pay.

For a list of insurers with the best auto insurance discounts in Attleboro, click this link.

What is the best insurance coverage?

When choosing adequate coverage for your vehicles, there really is not a perfect coverage plan. Every situation is different and a cookie cutter policy won’t apply. These are some specific questions may help highlight whether you might need professional guidance.

• Should I put collision coverage on all my vehicles?
• Should I sign the liability waiver when renting a car?
• What companies insure drivers after a DUI or DWI?
• Is my cargo covered for damage or theft?
• Why does it cost so much to insure a teen driver in Attleboro?
• I have good health insurance, so how much medical payments coverage do I need?
• Does my insurance cover a custom paint job?
• Do I really need UM/UIM coverage?
• Can I pay claims out-of-pocket if I buy high deductibles?

If it’s difficult to answer those questions but one or more may apply to you then you might want to talk to a licensed agent. If you don’t have a local agent, simply complete this short form or you can also visit this page to select a carrier It’s fast, free and may give you better protection.

Much more information about auto insurance in Massachusetts can be read on the website for the Massachusetts Division of Insurance through this link. Massachusetts drivers can view a list of available companies, view agent and company licensing information, and find out which companies have the most complaints.

These articles may also be worth reading.

• Consumers Guide to Researching a Brattleboro Auto Insurance Agent
• 9 Ways You Can Buy Auto Insurance for Less in Brattleboro, VT

One last thing about your coverage

When trying to cut insurance costs, it’s a bad idea to sacrifice coverage to reduce premiums. There are too many instances where drivers have reduced comprehensive coverage or liability limits only to discover later that the small savings ended up costing them much more. The proper strategy is to buy a smart amount of coverage at a price you can afford, not the least amount of coverage.

Low-cost auto insurance can be bought online in addition to many Attleboro insurance agents, so you should compare both to have the best rate selection. Some insurance companies do not provide online price quotes and many times these regional insurance providers only sell through independent insurance agents.