Almost every driver in Massachusetts is looking for affordable auto insurance. And why not? You may need to purchase auto insurance to drive a vehicle on public roads in Massachusetts, but there’s no point in overpaying for your insurance.
One of the surest ways to find affordable car insurance in Massachusetts is to compare car insurance prices online. However, unless you know how to fill out the forms on the price comparison websites so that you get the cheapest car insurance to begin with, you’re really not going to save that much money.
So let’s look at some of the things you can do to create a low cost policy.
Can your car be parked in a garage overnight? If your car isn’t out in the open, available to thieves and vandals, you’re saving money on your insurance every month.
Can you drive less? Taking public transportation as much as possible can help you save money in a variety of ways, including lower car insurance. If you can keep driving under 500 miles per month, you may qualify for a low mileage credit.
Part of your premium is likely based on the fact that you drive to and from work each day. If you could carpool and halve the number of days you commute to work each month, the savings on your car insurance could be significant.
If you stop working and stop driving to work and back altogether, be sure to let your agent know.
Automatically pay the premium from your bank account every month. If your insurance company doesn’t have to bill you every month, they should reward you by giving you a small discount on your insurance.
Some companies will give you a hefty discount on your insurance if you purchase even simple anti-theft devices such as a steering wheel lock or a device to shut off your fuel pump unless you hit a secret switch. Ask your agent if installing such security equipment will reduce your insurance costs.
Find group auto insurance. You can often take out an affordable collective car insurance policy at work. If not, see if any clubs or organizations or groups you belong to offer group auto insurance to their members. If not, ask family and friends if they belong to groups or associations that offer members cheap group auto insurance – if so, check membership.
If you are married, put the wife on the policy as main driver and the husband as second driver. Women pay less for car insurance, and setting up your policy this way will save you money every month.
If you have a trailer or car rental through AAA or through a credit card, you don’t have to pay it each month as part of your car insurance policy.
Young drivers must stay in school and keep their grades up. A “B” or better grade should get you at least a 5% good student discount.
Older drivers can sometimes get a discount on their insurance if they take a special driver refresher course. Talk to your agent and see if your company offers this discount.
Older cars that have little or no Kelly Blue Book value should be removed from any comprehensive or collision coverage. In fact, your vehicle loses value every year and you would have to reduce your collision and comprehensive coverage to match the declining value of your car.
Increase your deductible. This is a surefire way to lower your monthly car insurance premium, but you need to make sure you don’t raise your deductible to the level that you can’t afford to pay it if you had a claim.
Finally, you want to find at least 3 websites that encourage you to compare car policy prices from different insurance companies. With everything you’ve learned from this article, you’ll need to fill out the forms on at least 3 different websites. But be careful to fill out all three forms exactly the same way so that your equations have some value.
Once you’ve done this, all you have to do is choose the cheapest policy and smile, smile, smile, as you now know exactly how to get affordable car insurance in Massachusetts and start saving money month after month!