Secret Methods for Buying Malden Car Insurance at a Discount

Paying for high-priced car insurance can overdraw your personal savings and force you to prioritize other expenses. Comparison shopping is free, only takes a few minutes, and is a good way to slash your bill and have more diposable income.

Insurance companies such as GEICO and Progressive increase brand awareness with catchy ads and it is challenging if not impossible to see through the deception and find the best price available.

You should take the time to price shop coverage periodically due to the fact that insurance rates are usually higher with each renewal. Despite the fact that you may have had the best deal six months ago you will most likely find a better rate today. So ignore everything you know about car insurance because I’m going to teach you the fastest way to properly buy coverages and cut your premium.

If you currently have a car insurance policy, you will most likely be able to cut costs considerably using these tips. Finding the best rates in Malden is easy if you know what you’re doing. But Massachusetts car owners do need to learn how insurance companies price online insurance and use this information to your advantage.

Comparison of Car Insurance in Malden

There are several ways to compare car insurance quotes, and some are easier and takes less work. You can waste a few hours (or days) talking to local insurance agents in Malden, or you can stay home and use the web to get rate comparisons in just a few minutes.

All the larger companies belong to an insurance system that allows shoppers to submit one quote, and at least one company then returns a price quote based on that data. This eliminates the need for repetitive form submissions to each individual car insurance company.

To get comparison pricing now click to open in new window.

The only downside to pricing coverage this way is that you can’t choose which insurance companies to get pricing from. If you would rather choose individual companies to compare prices, we have assembled a list of the cheapest car insurance companies in Massachusetts. Click to view list.lower rates in Massachusetts

Which method you use is up to you, but make absolute certain that you use the exact same coverages with every price quote. If each company quotes different limits and deductibles on each one you will not be able to make an equal comparison in Malden. Slightly different limits may result in large price differences. And when comparing car insurance rates, know that having more price comparisons helps you find lower pricing.

Local Malden agents and car insurance

Some consumers prefer to sit down with an agent. The best thing about comparing insurance prices online is you can get lower rates and still have an agent to talk to.

Once you complete this quick form, your coverage information is immediately sent to insurance agents in Malden who will return price quotes for your business. You won’t need to even leave your home as quotes are delivered immediately to your email address. How’s that for easy! You’ll get the best rates and a licensed agent to work with.

Selecting an provider shouldn’t rely on just a low price. Agents should be asked these questions:

  • Does the company allow you to choose your own collision repair facility?
  • Is assistance available after office hours?
  • If your car is totalled, how to they determine the replacement cost?
  • Is the agent and/or agency licensed to do business in Massachusetts?
  • Will vehicle repairs be made with aftermarket parts or OEM replacement parts?

Malden auto insurance agents come in two flavors

When finding an insurance agent, you must know there are a couple different agency structures that differ in how they can insure your vehicles. Agencies in Malden are either captive or independent.

Captive Insurance Agents

Captive agents are contracted to one company and some examples include Farmers Insurance or State Farm. These agents are not able to place coverage with different providers so it’s a take it or leave it situation. Captive agencies are trained well in insurance sales which helps them sell insurance even at higher premiums.

Independent Insurance Agents

These agents do not work for one specific company but instead can place your coverage with many different companies and potentially find a lower price. If your agent finds better pricing, they simply move the coverage in-house and you don’t have to find a new agent.

When comparison shopping, we recommend you get quotes from multiple independent agents to have the most options to choose from.

lower rates in Massachusetts

Below is a short list of independent agencies in Malden willing to provide comparison quotes.

Edwin C Lucey Insurance – 54 Eastern Ave – Malden, MA 02148 – (781) 324-8050
John B Moran Insurance – 23 Spruce St # B – Malden, MA 02148 – (781) 324-1125

For a complete listing of car insurance agents in Malden, simply jump to this page.

Once you have received positive feedback to all your questions and an affordable coverage quote, chances are good that you have found an insurance agency that can provide car insurance coverage.

Learn more about car insurance in Massachusetts

More tips and info about car insurance is located at the Massachusetts Division of Insurance website. Massachusetts consumers can read enforcement actions against agents and companies, read industry bulletins, find out industry alerts, and learn about insurance regulations.