Brockton, MA Auto Insurance Savings the Companies Don’t Want You to Know About

Having to pay for overpriced auto insurance can drain your checking account and make it impossible to make ends meet. Doing a price comparison is a great way to cut your insurance bill.

Multiple car insurance companies compete for your hard-earned dollar, and because of this it can be hard to compare insurers to get the lowest rate

Take discounts and save

Insuring your fleet can be pricey, but there could be available discounts to help offset the cost. Certain discounts will be applied at the time of purchase, but less common discounts must be manually applied before you will receive the discount.

  • One Accident Forgiven – Some insurance companies will allow you to have one accident before your rates go up as long as you don’t have any claims for a certain period of time.
  • Own a Home – Owning a home in Brockton may earn you a small savings because of the fact that having a home is proof that your finances are in order.
  • Senior Discount – Mature drivers may qualify for reduced rates.
  • Anti-lock Brake Discount – Anti-lock brake equipped vehicles prevent accidents and therefore earn up to a 10% discount.
  • Distant Student – Children who live away from home and do not have access to a covered vehicle may be able to be covered for less.
  • Save with a New Car – Adding a new car to your policy can save up to 30% due to better safety requirements for new cars.
  • Fewer Miles Equal More Savings – Fewer annual miles can qualify you for lower rates on the low mileage vehicles.
  • No Accidents – Claim-free drivers can earn big discounts when compared to accident-prone drivers.
  • Discount for Life Insurance – Some companies give a discount if you purchase a life insurance policy as well.
  • Federal Employees – Active or retired federal employment may qualify you for a discount with a few auto insurance companies.

Keep in mind that some credits don’t apply the the whole policy. The majority will only reduce individual premiums such as collision or personal injury protection. Even though it may seem like adding up those discounts means a free policy, companies don’t profit that way. But all discounts will cut the cost of coverage.

How to Lower your Auto Insurance Rates

It’s important that you understand the rating factors that help determine the price you pay for auto insurance. When you know what positively or negatively determines base rates allows you to make educated decisions that can help you get lower auto insurance prices.

  • Battle of the sexes – Statistics demonstrate that men are more aggressive behind the wheel. However, this does not mean women are BETTER drivers than men. They both tend to get into accidents in similar percentages, but the men have costlier accidents. Men also statistically get more serious tickets like reckless driving and DUI. Teenage male drivers tend to get in the most accidents and are penalized with high auto insurance rates.
  • Performance influences rates – The make and model of the vehicle you own makes a significant difference in your rates. Economy passenger cars receive the most favorable rates, but there are many factors that impact the final cost.
  • Do you have enough liability coverage? – Your policy’s liability coverage provides coverage if ever a court rules you are at fault for damages from an accident. It provides legal defense coverage starting from day one. This coverage is very inexpensive as compared to coverage for physical damage, so drivers should carry high limits.
  • Little extras can really add up – There are a lot of extra bells and whistles that can waste your money when buying auto insurance. Coverages like rental car reimbursement, accident forgiveness and additional equipment coverage are some examples. These may sound like a good investment initially, but now you might not need them so get rid of them and save.

When should I talk to an agent?

When buying the right insurance coverage for your vehicles, there really is not a cookie cutter policy. Coverage needs to be tailored to your specific needs and a cookie cutter policy won’t apply. These are some specific questions might help in determining whether your personal situation will benefit from professional help.

  • Does my personal auto insurance policy cover using my vehicle for business use?
  • Is my dog or cat covered if injured in an accident?
  • Why am I be forced to buy a membership to get insurance from some companies?
  • If my vehicle is totaled, can I afford another vehicle?
  • Does my policy cover me when driving someone else’s vehicle?
  • Is my business laptop covered if it gets stolen from my vehicle?
  • Should I have combined single limit or split liability limits?

If you’re not sure about those questions but you know they apply to you, you might consider talking to an agent. If you don’t have a local agent, complete this form or click here for a list of auto insurance companies in your area.

Can’t I compare rates from local Brockton agents?

Some people would prefer to buy from a local agent and that is just fine! The biggest benefit of comparing rates online is that you can obtain the best rates but still work with a licensed agent. Supporting local businesses is especially important in Brockton.

Upon completion of this form (opens in new window), the coverage information is instantly submitted to agents in your area who will give you bids for your business. There is no reason to drive around due to the fact that quote results will go to the email address you provide. How’s that for easy! You’ll get the best rates and work with a local agent.<img class="alignright" style="padding-top:15px" src="" alt="Brockton car insurance prices” />

How to choose the best car insurance agent in Brockton

When searching for a good insurance agency, there are a couple of different agency structures that differ in how they can insure your vehicles. Insurance agencies in Brockton are either captive or independent.

Independent Agencies or Brokers

Independent agencies are not employed by any specific company so they have the ability to put coverage with any number of different companies enabling the ability to shop coverage around. If you are not satisfied with one company, the agent simply finds a different carrier without you having to go to a different agency. When searching for an agent, it’s recommended you get quotes from at a minimum one independent agency to ensure the widest selection of prices.

Shown below is a list of independent agencies in Brockton that may be able to provide competitive price quotes.

P S Dolan Insurance Svc Inc – 15 Torrey St – Brockton, MA 02301 – (508) 586-2186
Boufides Insurance – 457 Pleasant St – Brockton, MA 02301 – (508) 587-7500
William C Bearce Agency – 670 Pleasant St – Brockton, MA 02301 – (508) 586-3400

Agency Captives

These agents are contracted to one company like AAA, Allstate and State Farm. They are unable to provide prices from multiple companies so it’s a take it or leave it situation. Captive agencies are very knowledgeable on their products and sales techniques which helps them compete with independent agents.

Picking an insurance agency shouldn’t rely on just the bottom line cost. Here are some questions to ask:

  • If you have an accident, are you able to get your vehicle repaired at the shop of your choice?
  • Is the agency involved in supporting local community causes?
  • Do they carry Errors and Omissions coverage?
  • Is vehicle damage repaired with OEM or aftermarket parts?
  • Can they provide you with a list of referrals?
  • Will their companies depreciate repairs to your car based on the mileage?
  • What insurance companies do they recommend if they are an independent agent?
  • What insurance company do they write the most business with?

Upon receiving good answers for all questions you ask and an affordable coverage quote, most likely you have located an insurance agent that meets your needs to insure your vehicles.

Do you really save 40% when you switch?

Progressive, GEICO, Allstate and State Farm continually stream ads on TV and radio. All the companies make the same claim that you can save after switching to them. How do they all say the same thing?

All companies can use profiling for the type of driver that earns them a profit. An example of a preferred risk could be between the ages of 40 and 55, owns a home, and drives newer vehicles. A propective insured who fits that profile is entitled to the best price and as a result will probably save when they switch companies.

Massachusetts insurance ad

Potential customers who are not a match for this ideal profile will be charged higher premiums which leads to the driver buying from a lower-cost company. Company advertisements say “customers who switch” but not “drivers who get quotes” save money. This is how insurance companies can confidently advertise the way they do.

That is why you should compare as many rates as you can. It is impossible to predict which company will have the lowest rates.

To find out more about Massachusetts auto insurance

More information is available on the website for the Massachusetts Division of Insurance found here. Massachusetts consumers can view agent and company licensing information, find out which companies have the most complaints, and read consumer alerts.

A little work can save a LOT of money

You just learned quite a bit of information on how to lower your auto insurance rates. The key thing to remember is the more you quote, the better likelihood of reducing your rate. You may be surprised to find that the best price on auto insurance is with the least-expected company. These smaller insurers may have significantly lower rates on certain market segments than the large multi-state companies such as State Farm, GEICO and Nationwide.

When buying insurance coverage, don’t be tempted to reduce needed coverages to save money. In too many instances, drivers have reduced liability coverage limits only to regret that saving that couple of dollars actually costed them tens of thousands. Your strategy should be to buy enough coverage for the lowest price while still protecting your assets.

Lower-priced auto insurance is definitely available both online in addition to many Brockton insurance agents, and you should compare price quotes from both to have the best selection. Some insurance companies do not provide you the ability to get quotes online and usually these regional insurance providers provide coverage only through local independent agents.