Best 9 Ways You Can Buy Car Insurance for Less in Springfield

Finding affordable Springfield car insurance on the internet is intimidating for consumers not familiar with online price comaprisons. With such a large number of insurance companies available, how can anyone effectively compare the different rates to find the cheapest available price?

It is always a good idea to get comparison quotes on a regular basis because rates change regularly. Even if you think you had the lowest rates a couple years back there may be better deals available now. Block out anything you think you know about car insurance because we’re going to demonstrate the right way to properly buy coverages while reducing your premium.

If you are paying for car insurance now, you stand a good chance to be able to reduce your rates substantially using these tips. This article will help educate you on the best way to quote coverages and some tips to save money. Nevertheless, Vermont car owners do need to know the way companies market insurance on the web and take advantage of how the system works.

Be sure to get all your discounts

Car insurance companies don’t necessarily list all their discounts very clearly, so here is a list some of the more common and also the lesser-known discounts you could be receiving.

  • Service Members Pay Less – Having a deployed family member may qualify for rate reductions.
  • Auto/Life Discount – Companies who offer life insurance give lower rates if you buy life insurance from them.
  • College Student – Kids in college who live away from home without a vehicle on campus can receive lower rates.
  • Accident Forgiveness – A few companies allow you one accident before hitting you with a surcharge as long as you don’t have any claims for a particular time prior to the accident.
  • Senior Discount – If you’re over the age of 55, you may receive better car insurance rates.
  • Seat Belts Save more than Lives – Using a seat belt and requiring all passengers to buckle their seat belts can save up to 15% off your medical payments premium.
  • Homeowners Pay Less – Simply owning a home may earn you a small savings due to the fact that maintaining a home shows financial diligence.
  • Defensive Driver – Taking a defensive driving course could cut 5% off your bill if you qualify.
  • Theft Prevention Discount – Anti-theft and alarm systems are stolen less frequently and earn discounts up to 10%.

Consumers should know that many deductions do not apply to all coverage premiums. A few only apply to individual premiums such as comp or med pay. Just because you may think it’s possible to get free car insurance, you won’t be that lucky.

For a list of insurers with discount car insurance rates in Springfield, click this link.

Compare the Market for Car Insurance in Springfield, VT

When shopping for car insurance there are multiple ways to compare rate quotes from car insurance companies in your area. The easiest way to find the lowest rates is simply to get online rate quotes. This can be accomplished in several different ways.

  1. The single most time-saving way to find low rates would be an industry-wide quote request form click here to open form in new window. This easy form saves time by eliminating repetitive form submissions for each company. One form will return quotes from multiple low-cost companies. It’s definitely the quickest method.
  2. A more difficult way to compare prices is to manually visit the website for every company you want to comare to complete a price quote. For examples sake, we’ll pretend you want to compare State Farm, Progressive and Travelers. You would have to visit each site to enter your coverage information, which is why most consumers use the first method.

    For a list of links to companies insuring cars in Springfield, click here.

  3. The hardest way to get comparison rates is driving around to local Springfield insurance agencies. Shopping for car insurance online has reduced the need for local agents unless you have a need for the trained guidance only provided by licensed Springfield agents. It is possible to price shop your coverage online and get advice from an agent in your area and we’ll cover that in a bit.

Which method you use is up to you, but compare the exact same coverage limits with each company. If you use different liability limits it will be next to impossible to truly determine the lowest rate in Springfield. Having just a slight variation in insurance coverages can mean a large discrepancy in price. And when price shopping your coverage, obtaining a wide range of quotes will improve the odds of getting better pricing.

Don’t I need to talk to an agent?

A small number of people prefer to get advice from a local agent and that is a personal choice. The best thing about getting online price quotes is you can get better rates but also keep your business local.

After filling out this simple form, your insurance coverage information is immediately sent to participating agents in Springfield who will return price quotes for your business. You won’t need to leave your house as quotes are delivered to the email address you provide. How’s that for easy! You can find better rates and a licensed agent to work with.

Choosing a company should depend on more than just the price. Agents should be asked these questions:

  • Does the agency have a good rating with the Better Business Bureau?
  • Do they make recommendations based only on price?
  • Is working in the agency their full-time job?
  • What insurance companies do they recommend if they are an independent agent?
  • Are they properly licensed to sell insurance in Vermont?
  • Is vehicle mileage a factor when determining depreciation for repairs?
  • Are you getting all the discounts the company offers?
  • Do they specialize in personal lines coverage?

If you wish to contact a specific insurance agent in Springfield, simply jump to this page.

After receiving answers to your satisfaction to any questions you have and locked in a price quote, chances are good that you have found an insurance company that meets your needs to properly insure your vehicles.<img class="alignright" style="padding-top:15px;" src="" alt="Springfield Vermont car insurance“/>

Car insurance 101

Knowing the specifics of your car insurance policy can help you determine appropriate coverage for your vehicles. Car insurance terms can be ambiguous and reading a policy is terribly boring.

Comprehensive auto coverage

Comprehensive insurance will pay to fix damage OTHER than collision with another vehicle or object. You first have to pay a deductible then the remaining damage will be covered by your comprehensive coverage.

Comprehensive coverage protects against things like rock chips in glass, hitting a bird and a tree branch falling on your vehicle. The maximum amount a car insurance company will pay at claim time is the actual cash value, so if it’s not worth much more than your deductible it’s probably time to drop comprehensive insurance.

Medical payments and PIP coverage

Coverage for medical payments and/or PIP reimburse you for immediate expenses for things like funeral costs, dental work, pain medications and nursing services. The coverages can be used to cover expenses not covered by your health insurance policy or if you are not covered by health insurance. Medical payments and PIP cover all vehicle occupants and also covers getting struck while a pedestrian. Personal injury protection coverage is not universally available but can be used in place of medical payments coverage

UM/UIM (Uninsured/Underinsured Motorist) coverage

Uninsured or Underinsured Motorist coverage protects you and your vehicle’s occupants when the “other guys” are uninsured or don’t have enough coverage. This coverage pays for injuries sustained by your vehicle’s occupants and damage to your vehicle.

Due to the fact that many Vermont drivers only carry the minimum required liability limits (which is 25/50/10), their limits can quickly be used up. For this reason, having high UM/UIM coverages is a good idea.

Liability insurance

This will cover damage that occurs to a person or their property. This insurance protects YOU from claims by other people, and doesn’t cover damage sustained by your vehicle in an accident.

Liability coverage has three limits: per person bodily injury, per accident bodily injury, and a property damage limit. You commonly see liability limits of 25/50/25 which means $25,000 in coverage for each person’s injuries, a total of $50,000 of bodily injury coverage per accident, and a total limit of $25,000 for damage to vehicles and property.

Liability coverage protects against things like bail bonds, medical expenses, emergency aid and repair bills for other people’s vehicles. How much coverage you buy is up to you, but consider buying as high a limit as you can afford. Vermont requires drivers to carry at least 25,000/50,000/10,000 but you should think about purchasing more liability than the minimum.

Springfield Vermont car insurance

Collision insurance

This coverage covers damage to your vehicle resulting from colliding with an object or car. You have to pay a deductible then your collision coverage will kick in.

Collision coverage pays for things such as backing into a parked car, scraping a guard rail and hitting a parking meter. This coverage can be expensive, so consider removing coverage from lower value vehicles. Another option is to raise the deductible to save money on collision insurance.

Best coverage at the best price

When shopping online for car insurance, it’s very important that you do not buy lower coverage limits just to save a few bucks. There are too many instances where someone dropped collision coverage to discover at claim time that a couple dollars of savings turned into a financial nightmare. Your focus should be to buy the best coverage you can find for the lowest price, not the least amount of coverage.

You just read a lot of techniques to shop for car insurance online. The most important thing to understand is the more times you quote, the better chance you’ll have of finding lower rates. You may even discover the lowest rates come from some of the lesser-known companies.

The cheapest car insurance can be sourced online and also from your neighborhood Springfield agents, so you should be comparing quotes from both to get a complete price analysis. Some insurance providers may not provide online price quotes and most of the time these smaller companies sell through independent agents.

Read more about Vermont car insurance

Even more information can be found at the Vermont Department of Financial Regulation website. Vermont drivers can find out industry alerts, file complaints about an insurance agent or broker, get help finding coverage, and find out which companies have the most complaints.