Expert Advice on Cheaper Quincy Car Insurance

Shopping for the cheapest Quincy car insurance online can seem to be problematic for beginners to buying insurance online. With so many insurance companies available, how can you have a chance to compare them all to find the lowest price available?

It’s a great practice to compare prices periodically because prices are usually higher with each renewal. If you had the best deal a few years ago a different company probably has better rates today. Starting right now, ignore everything you know about car insurance because it’s time to teach you the only way to save on car insurance.

Automobile Insurance Quotes in Quincy, MA

Reducing your insurance rates is actually quite simple. The only requirement is to invest a few minutes comparing rates online from several insurance companies. This can be accomplished using a couple different methods.

The recommended way to find low rates would be an industry-wide quote request form like this one (opens in new window). This easy form keeps you from doing multiple quote forms for each company. Completing one form will get you rate comparisons from all major companies. Recommended for those who want to invest the least amount of time.

A different way to find lower rates consists of visiting each company website and fill out their own quote form. For examples sake, let’s assume you want rates from Auto-Owners, Safeco and State Farm. To get rate quotes you would need to visit each site to enter your coverage information, which is why most consumers use the first method.

For a handy list of car insurance company links in Quincy, click here.

The least recommended way to get comparison rates to different agent offices. Buying insurance online makes this process obsolete unless you require the trained guidance of a local agent. You can, however, price shop your coverage online but still have the advice of a local agent and you’ll learn how to do that later.

It’s up to you how you get prices quotes, just ensure you are comparing apples-to-apples deductibles and coverage limits for every quote you compare. If you enter unequal deductibles or liability limits it will be next to impossible to truly determine the lowest rate in Quincy.

Is there deception in advertising?

Consumers constantly see and hear ads for the lowest price auto insurance by State Farm and Allstate. All the companies make the same claim about savings if you switch to their company.

How do they all make the same claim? It’s all in the numbers.

Insurance companies are able to cherry pick for the driver that makes them money. An example of a preferred risk could be between 30 and 50, owns a home, and drives newer vehicles. A customer getting a price quote who meets those qualifications is entitled to the best price and most likely will cut their rates substantially.

Potential insureds who do not match this ideal profile will have to pay higher prices and ends up with business not being written. Company advertisements say “customers that switch” but not “drivers who get quotes” save that kind of money. That’s why insurance companies can claim big savings. Because of the profiling, drivers should quote coverage with many companies. Because you never know the company that will give you the biggest savings.

Companies offer discounts so take them!

Auto insurance companies don’t always advertise every discount in an easy-to-find place, so we took the time to find some of the more common as well as the least known discounts you could be receiving. If they aren’t giving you every credit you qualify for, you are paying more than you should rates in Massachusetts

  • Multiple Vehicles – Having multiple vehicles with the same company may reduce the rate for each vehicle.
  • Payment Method – If you pay your bill all at once instead of paying each month you may reduce your total bill.
  • Anti-lock Brake Discount – Vehicles with anti-lock braking systems are safer to drive and earn discounts up to 10%.
  • Use Seat Belts – Drivers who require all occupants to use their safety belts could cut 10% or more on the medical payments or PIP coverage costs.
  • Theft Prevention System – Anti-theft and alarm systems help deter theft and therefore earn up to a 10% discount.
  • Paperless Signup – A handful of insurance companies may give you up to $50 for buying your policy over the internet.
  • Passive Restraint Discount – Vehicles equipped with air bags or automatic seat belts can receive discounts of up to 25% or more.
  • Student in College – Any of your kids living away from home attending college without a vehicle on campus can be insured at a reduced rate.
  • Defensive Driving Course – Completing a driver safety course could cut 5% off your bill if your company offers it.
  • Employee of Federal Government – Active or retired federal employment can save as much as 8% with a few car insurance companies.

It’s important to understand that most credits do not apply to the overall cost of the policy. Most only reduce individual premiums such as medical payments or collision. Just because it seems like all the discounts add up to a free policy, companies don’t profit that way.

To see a list of companies who offer car insurance discounts in Quincy, click here to view.

Online quotes with a local Quincy insurance agent

A small number of people would rather buy from a licensed agent. Agents can help determine the best coverages and help in the event of a claim. The best thing about comparing insurance prices online is you may find the lowest rates but also keep your business local.

To help locate an agent, after submitting this quick form, the quote information is immediately sent to insurance agents in Quincy who will give you bids for your insurance coverage. There is no reason to drive around because quoted prices will be sent to your email. It doesn’t get any easier!

Picking an insurer shouldn’t rely on just the bottom line cost. Any agent should have no problem answering these questions:

  • What insurance company do they write the most business with?
  • Do they assist clients in filing claims?
  • If they are an independent agency, which companies do they recommend?
  • Do they carry Errors and Omissions coverage?
  • Do they review policy coverages at every renewal?
  • If you have an accident, will your rates go up?
  • How many years of experience in personal lines insurance coverages do they have?

The difference between Quincy insurance agents

When researching local Quincy agents, there are a couple of types of agencies that differ in how they can insure your vehicles. Agents can either be captive or independent. Both types can write coverage properly, but it’s worth mentioning how they are different since it can impact the selection process.

Captive Insurance Agents

Captive agents work for only one company and examples are Allstate, Farmers Insurance or State Farm. These agents are unable to compare other company’s rates so they have no alternatives for high prices. These agents are trained well in insurance sales and that can be a competitive advantage. Consumers sometimes choose to use a captive agent mostly because of the brand legacy and the convenience of having all coverages with one company.

The following are Quincy captive insurance agencies willing to provide price quote information.

  • Allstate Insurance – 4 Batterymarch Park – Quincy, MA 02169 – (617) 328-3905
Independent Agents

These agents are not locked into one company so they can insure your vehicles amongst many companies depending on which coverage is best. To move your coverage to a new company, the business is moved internally and you don’t have to find a new agent. When searching for an agent, it’s a good idea to get quotes from at least one independent agent for the best price selection. They often place coverage with lesser-known insurance companies which can be an advantage.

Below are independent agencies in Quincy willing to provide price quotes.

  • Agnitti Insurance Inc – 21 Franklin St # 6 – Quincy, MA 02169 – (617) 770-0123
  • Metro Insurance – 22 School St – Quincy, MA 02169 – (617) 773-3322
  • Adams Agency Inc – 1212 Hancock St – Quincy, MA 02169 – (617) 376-9935

For a complete listing of car insurance agents in Quincy, visit this link.

Upon getting acceptable answers to your questions in addition to an acceptable price estimate, you have narrowed it down to an insurance agency that meets your needs to service your policy.

Don’t assume everyone needs the same coverage

When it comes to buying the best car insurance coverage, there isn’t really a “perfect” insurance plan. Coverage needs to be tailored to your specific needs.

compare rates in Massachusetts

Here are some questions about coverages that might point out if you could use an agent’s help.

  • What should my uninsured motorist coverage limits be in Massachusetts?
  • Is rental equipment covered for theft or damage?
  • Am I covered when driving someone else’s vehicle?
  • Should I buy more coverage than the required Massachusetts minimum liability coverage?
  • Do I have coverage when using my vehicle for my home business?
  • Do I qualify for additional discounts?

If you don’t know the answers to these questions but you think they might apply to your situation then you might want to talk to a licensed insurance agent. To find an agent in your area, simply complete this short form. It’s fast, doesn’t cost anything and can provide invaluable advice.

Additional detailed information is located at the Massachusetts Division of Insurance website. Massachusetts drivers can read industry bulletins, find out which companies have the most complaints, and get help finding coverage.

Quote more, save more

While you’re price shopping online, do not buy lower coverage limits just to save a few bucks. In many cases, an insured cut physical damage coverage only to regret at claim time that they should have had better coverage. The aim is to get the best coverage possible at an affordable rate while not skimping on critical coverages.

Lower-priced car insurance is possible on the web and also from your neighborhood Quincy agents, and you need to price shop both to get a complete price analysis. Some car insurance companies may not provide the ability to get a quote online and these regional insurance providers work with independent agents.

In this article, we presented many ideas to compare car insurance prices online. It’s most important to understand that the more times you quote, the better likelihood of reducing your rate. Consumers may even find the best prices are with the least-expected company.