Secret Strategies for Buying Newton, MA Car Insurance for Less Money

Finding the best price on Newton car insurance can seem complicated if you are a beginner to online quotes. Don’t let that stop you because there is an easy way to compare rates.

How to Compare Newton Car Insurance Costs

Most companies like 21st Century, Allstate and State Farm allow you to get prices on the web. The process is fairly simple as you just type in your coverage information as requested by the quote form. Once you submit the form, their rating system requests information on your driving record and credit history and returns pricing information based on these factors.

This simplifies rate comparisons, but the time it takes to visit multiple sites and type in the same information gets old quite quickly. But it is imperative to have as many quotes as possible if you want to find a better rate.

There is an easier way!

A less time-consuming method to find cheaper rates uses one form that gets prices from several companies at one time. This type of form saves time, eliminates repetitive work, and makes comparison shopping much easier. After sending your information, it gets priced and you can choose any or none of the pricing results. If the quotes result in lower rates, it’s easy to complete the application and buy the policy. This process can be completed in less than 10 minutes and could lower your rates considerably.

To save time and compare rates using this form now, click here and input your coverage information. If you have your current policy handy, we recommend you enter coverages and limits exactly as shown on your declarations page. This guarantees you will have a price comparison based on similar coverages.

Is there deception in advertising?

Consumers in Massachusetts get pounded daily by advertisements for the lowest price auto insurance by companies like 21st Century, Allstate and State Farm. They all seem to make an identical promise of big savings if you move to them.

But how can every company claim to save you money?<img class="alignright" style="padding-top:15px" src="" alt="Newton Massachusetts auto insurance” />

Insurance companies are able to cherry pick for the type of customer that is profitable for them. For instance, a driver they prefer could possibly be between the ages of 40 and 55, has no driving citations, and drives less than 10,000 miles a year. Any new insured who meets those qualifications is entitled to the best price and is almost guaranteed to save when they switch companies.

Potential customers who don’t qualify for these standards must pay higher premiums and this can result in the customer not buying. The ads say “customers who switch” not “everybody who quotes” save that kind of money. This is how insurance companies can confidently advertise the way they do. This illustrates why you need to get as many comparisons as possible. You cannot predict the company that will have the lowest rates.

Cut your car insurance rates with discounts

Companies don’t necessarily list all available discounts in an easy-to-find place, so we took the time to find both the well known and also the lesser-known discounts you could be receiving. If they aren’t giving you every credit you qualify for, you are paying more than you should be.

  • Federal Government Employee – Employees or retirees of the government can earn a discount up to 10% with certain companies.
  • College Student – Youth drivers living away from home attending college and don’t have a car may be able to be covered for less.
  • Own a Home – Owning a home in Newton may trigger a car insurance policy discount because of the fact that having a home requires personal responsibility.
  • Anti-lock Brakes – Vehicles with anti-lock braking systems are safer to drive and will save you 10% or more.
  • Multiple Policy Discount – When you combine your home and auto insurance with the same company you could get a discount of at least 10% off all policies.
  • Good Student Discount – A discount for being a good student can save 20 to 25%. The discount lasts up until you turn 25.
  • Discount for New Cars – Adding a new car to your policy can be considerably cheaper compared to insuring an older model.
  • 55 and Retired – If you qualify as a senior citizen, you may receive a small decrease in premiums.
  • Multiple Cars – Buying insurance for all your vehicles on one policy could earn a price break for each car.
  • Safety Course Discount – Completing a course in driver safety could save 5% or more if your company offers it.

Keep in mind that most discounts do not apply to all coverage premiums. Most only cut specific coverage prices like comprehensive or collision. So when the math indicates all those discounts means the company will pay you, it just doesn’t work that way.

You are unique and your car insurance should be too

When it comes to choosing adequate coverage, there really is no perfect coverage plan. Everyone’s needs are different.

For instance, these questions may help you determine whether or not you might need an agent’s assistance.

  • Does my insurance cover damage caused when ticketed for reckless driving?
  • What can I do if my company won’t pay a claim?
  • Are split liability limits better than a combined single limit?
  • Am I covered by my employer’s commercial auto policy when driving my personal car for business?
  • What is the difference between comprehensive and collision coverage?
  • Do I have coverage for damage caused while driving under the influence?
  • I don’t drive much so do I pay less?
  • Will I be non-renewed for getting a DUI or other conviction?
  • How much liability do I need to cover my assets?

If you don’t know the answers to these questions but one or more may apply to you, then you may want to think about talking to an insurance agent. If you want to speak to an agent in your area, fill out this quick form. It’s fast, doesn’t cost anything and may give you better protection.

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Additional detailed information is available at the Massachusetts Division of Insurance website. Consumers can view agent and company licensing information, find out industry alerts, and file complaints about a company.

Best coverage at the best price

Consumers change insurance companies for a number of reasons such as being labeled a high risk driver, unfair underwriting practices, extreme rates for teen drivers and even not issuing a premium refund. Regardless of your reason for switching companies, choosing a new insurance company is pretty easy and you might even save some money in the process.

In this article, we presented some good ideas how to get a better price on car insurance. The key thing to remember is the more times you quote, the better chance you’ll have of finding lower rates. Consumers may even find the lowest priced car insurance comes from the least-expected company.

Affordable car insurance can be purchased both online as well as from independent agents in Newton, and you should be comparing both in order to have the best price selection to choose from. Some insurance companies don’t offer online price quotes and usually these small, regional companies provide coverage only through local independent agents.