Methods for Saving Money on Cambridge, MA Auto Insurance Rates
Did you fall for a flashy sales pitch and buy high-priced auto insurance? Trust us when we tell you many Cambridge consumers feel financially strained by their auto insurance policy. Popular companies such as Allstate, Progressive and GEICO continually bombard you with ad campaigns and consumers find it hard to see through the cute green geckos and mayhem and take the time to shop coverage around.
Compare Quotes for Cambridge Auto Insurance
All the larger auto insurance companies allow you to get coverage prices online. Getting online quotes doesn’t take much effort as you simply type in the coverages you want as requested by the quote form. After you submit the form their rating system sends out for information on your driving record and credit history and returns a price. Online quotes makes comparing rates easy, but having to visit different websites and fill out multiple forms can get tiresome after awhile. But it’s very important to perform this step in order to find a better rate.
The preferred way to locate the lowest prices requires only one form to get prices from a bunch of companies at once. The form is fast, reduces the work, and makes price shopping online much more enjoyable. After your information is entered, it gets priced with multiple companies and you can pick your choice of the quotes returned.
If a lower price is quoted, you can simply submit the application and purchase coverage. The entire process can be completed in less than 10 minutes and may result in a nice savings.
To quickly compare rates now, simply click here to open in new window and fill out the form. To compare your current rates, we recommend you duplicate deductibles and limits identical to your current policy. This ensures you are getting comparison quotes based on the exact same insurance coverage.
Take advantage of discounts
The price of auto insurance can be rather high, but there could be available discounts to reduce the price significantly. Larger premium reductions will be automatically applied when you complete an application, but some must be asked about before you will receive the discount. If you don’t get every credit possible, you’re just leaving money on the table.
- Payment Discounts – If you pay your entire premium ahead of time rather than paying monthly you can actually save on your bill.
- Good Student Discount – Performing well in school can be rewarded with saving of up to 25%. This discount can apply until age 25.
- Discount for Swiching Early – A few companies offer discounts for buying a policy before your current policy expires. The savings is around 10%.
- Save with a New Car – Putting insurance coverage on a new car can be considerably cheaper compared to insuring an older model.
- Federal Employees – Being employed by or retired from a federal job may qualify you for a discount depending on your company.
- Multiple Vehicles – Having multiple vehicles on one policy may reduce the rate for each vehicle.
- Drivers Ed for Students – Have your child successfully complete driver’s ed class if it’s offered in school.
Keep in mind that many deductions do not apply to the overall cost of the policy. Most only cut the price of certain insurance coverages like comprehensive or collision. Just because it seems like all the discounts add up to a free policy, it doesn’t quite work that way. Any qualifying discounts will cut your premiums.
Additional information can be read on the website for the Massachusetts Division of Insurance. Click here for link. Massachusetts drivers can find disaster information, find out industry alerts, file complaints about a company, and discover disciplinary actions.
Other useful links include this online resource for auto insurance quotes in Massachusetts and this page where you can also get Cambridge auto insurance quotes.
In the end, you save
Cost effective auto insurance can be purchased online in addition to many Cambridge insurance agents, so compare prices from both in order to have the best chance of saving money. A few companies do not provide online price quotes and usually these regional insurance providers provide coverage only through local independent agents.
Throughout this article, we presented a lot of techniques to reduce auto insurance prices online. The most important thing to understand is the more companies you get rates for, the higher your chance of finding lower rates. Consumers could even find that the best price on auto insurance is with the least-expected company. These companies can often provide lower rates in certain areas than their larger competitors like Progressive or GEICO.