Springfield Massachusetts Car Insurance Buying Tips You Aren’t Supposed to Know

Scraping up a payment for overpriced car insurance can take a big chunk out of your bank account and make it hard to pay other bills. Shopping your coverage around is free, only takes a few minutes, and is a good way to help make ends meet. Having so many options, it can be hard to find the most affordable insurer.

Consumers need to take a look at other company’s rates occasionally due to the fact that insurance rates go up and down regularly. Just because you found the best rates six months ago you can probably find a lower rate today. So ignore everything you know about car insurance because you’re about to learn the tricks you need to know to save on car insurance.

Finding affordable coverage in Springfield is quite easy. If you currently have car insurance, you will most likely be able to save some money using these techniques. Massachusetts vehicle owners just need to understand the tricks to compare price quotes on the web.

How to Buy Springfield Car Insurance Online

All the larger car insurance companies like State Farm and Allstate provide prices directly from their websites. The process is fairly straightforward as you just enter the coverage amounts you desire as detailed in the form. Once you submit the form, the system collects your driving and credit reports and returns a price based on these and other factors. Quoting online helps simplify price comparisons, but the time required to go to each company’s website and repetitively complete many quote forms is not the best way to spend an afternoon. But it is imperative to have as many quotes as possible in order to get a better rate.

A quicker way to lower your car insurance bill utilizes a single form that obtains quotes from a lot of companies. The form is fast, eliminates form submissions, and makes rate comparisons a little more enjoyable. After your information is entered, it gets priced and you can choose any or none of the price quotes you receive. If one or more price quotes are lower than your current rates, you can click and sign and buy the policy. The entire process takes less than 15 minutes and could lower your rates considerably.

If you want to find out how much you can save on car insurance, click here to open in new window and submit your coverage information. If you have coverage now, it’s recommended you input the insurance coverages identical to your current policy. Doing this assures you will receive comparison quotes based on similar coverages.

Don’t be fooled by advertising claims

Massachusetts consumers can’t get away from ads for car insurance savings by companies like State Farm and Allstate. All the companies make the same claim that you’ll save big if you switch to them.<img class="alignright" style="padding-top:15px" src="https://www.carinsurancediy.com/wp-content/uploads/ci175-5.jpg" alt="lower rates in Springfield” />

How does each company make almost identical claims? It’s all in the numbers.

Different companies have a preferred profile for the driver that makes them money. A good example of a desirable insured might be between 25 and 40, insures multiple vehicles, and drives less than 10,000 miles a year. A propective insured who fits that profile is entitled to the best price and as a result will probably cut their rates substantially.

Potential insureds who do not match these standards must pay more money and this can result in business going elsewhere. Company advertisements say “drivers who switch” not “everyone that quotes” save that much money. That’s why insurance companies can advertise the savings. This illustrates why it’s extremely important to compare as many rates as you can. It is impossible to predict which car insurance company will provide you with the cheapest rates.

Do you qualify for a discount?

Companies offering auto insurance do not advertise all available discounts in an easy-to-find place, so here is a list some of the best known and the harder-to-find car insurance savings. If they aren’t giving you every credit you qualify for, you’re paying more than you need to.

  • Early Switch Discount – Some insurance companies reward drivers for signing up prior to your current policy expiring. It’s a savings of about 10%.
  • Service Members Pay Less – Being on active duty in the military could mean lower rates.
  • Life Insurance – Companies who offer life insurance give a discount if you purchase auto and life insurance together.
  • Accident Free – Drivers with accident-free driving histories can save substantially compared to accident-prone drivers.
  • Paperwork-free – A few companies will discount your bill up to fifty bucks just for signing your application on their website.
  • New Vehicle Savings – Putting insurance coverage on a new car is cheaper because new vehicles have to meet stringent safety requirements.
  • Organization Discounts – Belonging to a qualifying organization could qualify you for a break when buying car insurance.
  • Passive Restraints – Factory air bags or automatic seat belts can get savings up to 30%.

Drivers should understand that many deductions do not apply to the entire policy premium. Most cut the cost of specific coverages such as comp or med pay. So even though they make it sound like all the discounts add up to a free policy, companies wouldn’t make money that way.

To see a list of providers with discount car insurance rates in Massachusetts, click here to view.

Even more information can be found at the Massachusetts Division of Insurance website. Massachusetts consumers can discover disciplinary actions, view a list of available companies, download brochures, and read state legal mandates and laws.

compare rates in Massachusetts

Other informative sites include this link for Massachusetts car insurance quotes and this list of insurance agents in Springfield.

Cheaper insurance is a realistic goal

We just showed you a lot of tips how to compare car insurance prices online. It’s most important to understand that 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. Some small companies can often provide lower rates in certain areas compared to the large companies like Allstate or State Farm.

Cheaper car insurance is available on the web and with local Springfield insurance agents, so you should be comparing quotes from both in order to have the best price selection to choose from. Some insurance providers do not offer online price quotes and most of the time these regional insurance providers sell through independent agents.