Practically everyone wants to save money and get discount car insurance in Massachusetts. And why not? While car insurance is required of every driver there’s certainly no sense in paying more for your car insurance than you need to.
And given all of the resources available to the average driver these days, saving money and finding discount automobile insurance is easier than ever before. The internet is littered with sites which make it a snap to compare the prices of car insurance policies from a variety of different insurance companies.
But before you jump online and simply start filling out forms in a haphazard manner, it might serve you well to learn a few of the tips and tricks that will help you to fill out those forms the right way – the way that will save you the most money.
Shall we begin?
We’ll start with the way you drive. Hopefully it won’t come as any shock to you that speeding tickets and other moving violations on your driving record affect how much you pay for car insurance. If you are serious about saving money on your car insurance then always, always, always driving legally and safely.
Does your place of employment offer its employees discount group car insurance? If not check with any clubs, organizations or associations you might be affiliated with and see if they offer group car insurance. Ask friends and relatives if any of them belong to any clubs or organizations that offer their members group car insurance – if so, consider joining.
Don’t make small claims against your insurance company. The longer you go without filing any claims the less many insurance companies charge you in monthly premiums. Some companies offer price breaks in as few as six claim-free months – other companies require a longer claim-free period. Ask what the policy is at your insurance company.
Keep you car in a garage at night. Garaging your car will save you money month after month.
Consolidate all of your insurance policies at the same insurance company. Doing so will earn you a multi-policy discount on your car insurance.
Curtail your driving. Many people are now using public transportation whenever possible and leaving their car at home. If you can drop your driving to below 500 miles a month many companies will give you a rather hefty Low Mileage Discount.
Carpool to work. If you normally drive to and from work every day your car insurance rate reflects this. If you cut back on the number of days each month that you expose your vehicle to rush hour traffic you should get a break on your rates.
Have you recently retired? If you’re at least 50 and have retired talk to your agent about a reduction in your car insurance rates.
Younger drivers, those 25 and younger, can save at least 5% a month on their insurance simply by staying in school and getting a “B” grade average or better.
If you are in the market for a new car talk to your agent before you make your purchase. Not all cars cost the same to insure; find out ahead of time how much the make and model you have your heart set on is going to set you back each month in insurance payments.
Increase your deductible. Increasing your deductible is a sure-fire way to reduce your monthly car insurance costs – but this isn’t a free ride. Whatever amount you set as your deductible is the amount that you have to come up with in cash anytime you file a claim. Don’t make the mistake of promising to pay more than you can actually afford.
Now find those 3 car insurance price comparison websites we talked about earlier. Using what you have learned from this article make sure that you fill out the form on all 3 sites with exactly the same information. In this way you are comparing the same policy on all 3 sites.
That’s really all there is to it. Once you’ve made your comparisons all you need to do is review the answers and choose the lowest priced policy. This is how you save money and get discount car insurance in Massachusetts.