Nobody cherishes buying car insurance, in particular when they are paying too much. Multiple car insurance companies compete for your hard-earned dollar, so it can be very hard to choose a insurance company and get the definite lowest price
Comprehensive Car Insurance Comparison in Worcester
Most companies like Allstate, Geico and Progressive provide insurance quotes directly from their websites. Getting quotes is fairly simple as you simply type in your required coverages into the quote form. After you complete the form, the system automatically orders your driving and credit reports and returns pricing information based on many factors. Online price quotes simplifies rate comparisons, but the time required to go to each company’s website and repetitively enter the same data into a form is monotonous and tiresome. But it is imperative to get many rate quotes in order to get the lowest car insurance rates.
The easiest way to lower your rates requires only one form to get prices from several different companies. It saves time, eliminates form submissions, and makes online price comparison much more efficient. Immediately after you send the form, your coverage is rated and you are able to buy any one of the quotes that you receive. If a lower price is quoted, you simply finish the application and buy the new coverage. This process can be completed in less than 10 minutes and can result in significant savings.
If you want to find out what other companies charge, click here and submit the form. If you currently have coverage, we recommend you replicate deductibles and limits exactly as shown on your declarations page. Doing this assures you will have a price comparison using the exact same coverages.
Can switching companies really save?
Consumers can’t ignore all the ads for the lowest price auto insurance by Allstate, Geico and Progressive. All the ads make an identical promise about savings if you change to their company.
How do they all make the same claim? This is how they do it.
All the different companies have a preferred profile for the right customer that earns them a profit. For example, a profitable customer could possibly be between 30 and 50, has no tickets, and chooses high deductibles. A propective insured who fits that profile will get very good rates and most likely will cut their rates substantially.
Potential customers who don’t qualify for this ideal profile must pay a higher premium which leads to business not being written. The ads state “people who switch” not “everybody who quotes” save that kind of money. This is how companies can make the claims of big savings. This illustrates why it’s extremely important to get as many quotes as possible. It’s not possible to predict the company that will fit your personal profile best.
Don’t pay full price with these discounts
Companies that sell car insurance don’t always publicize every discount in a way that’s easy to find, so we researched some of the more common and the more hidden savings tricks you should be using. If you aren’t receiving every discount available, you’re just leaving money on the table.
- No Accidents – Claim-free drivers pay less compared to accident-prone drivers.
- Good Student – Getting good grades can earn a discount of 20% or more. The discount lasts up until you turn 25.
- Payment Method – If paying your policy premium upfront instead of monthly or quarterly installments you may reduce your total bill.
- Defensive Driving Course – Completing a course in driver safety can save you 5% or more depending on where you live.
- One Accident Forgiven – Some insurance companies will forgive one accident before your rates go up if you are claim-free prior to the accident.
- New Car Discount – Buying coverage on a new vehicle can cost up to 25% less due to better safety requirements for new cars.
- College Student – Any of your kids living away from home attending college and do not have access to a covered vehicle may be able to be covered for less.
- Homeowners Savings – Simply owning a home may earn you a small savings due to the fact that maintaining a home is proof that your finances are in order.
It’s important to note that most of the big mark downs will not be given to your bottom line cost. Some only reduce the cost of specific coverages such as physical damage coverage or medical payments. So despite the fact that it appears adding up those discounts means a free policy, it just doesn’t work that way.
What if I want to buy from a local Worcester agent?
A small number of people just want to visit with an insurance agent. Insurance agents can help determine the best coverages and help in the event of a claim. One of the great benefits of getting online price quotes is you may find lower rates and still have an agent to talk to.
Once you complete this simple form, the coverage information is emailed to agents in your area who will battle for your business. There is no need to visit any agencies since price quotes are sent to the email address you provide. How cool is that?!
Choosing an insurer shouldn’t rely on just the price. Some important questions to ask are:
- What is the agency’s Better Business Bureau rating?
- Do they carry Errors and Omissions coverage?
- How are they compensated?
- Which insurance companies are they affiliated with?
- Is their price quote a firm figure or are their hidden costs?
How to choose the best insurance agency in Worcester
When looking for a reputable insurance agent or broker, there are two types of insurance agents that you can select. Worcester agents can either be captive or independent (non-captive). Both do a good job, but it’s worth mentioning the difference between them because it can influence the selection process.
Agency Captives
These agents write business for a single company like Allstate, State Farm and Farmers Insurance. Captives cannot provide prices from multiple companies so it’s a take it or leave it situation. These agents are trained well on their products and sales techniques which helps them compete with independent agents.
Independent Insurance Agents
Independent insurance agents do not work for one specific company but instead can place your coverage with many different companies enabling the ability to shop coverage around. If you are not satisfied with one company, the business is moved internally and you won’t have to switch agencies. When comparison shopping, it’s a good idea to include at least one independent agent for maximum quote selection.
Listed below is a list of independent insurance agents in Worcester who can help you get rate quotes.
Alliance Marketing Agency Inc – – Worcester, MA 01608 – (508) 798-0700
Mainstream Insurance Inc – 704 Southbridge St – Worcester, MA 01610 – (508) 797-4500
Burr Insurance Inc – 421 Main St # 4 – Worcester, MA 01608 – (508) 753-4784
Bullock Agency – 1078 W Boylston St – Worcester, MA 01606 – (508) 854-8100
Worcester Agency – 440 Lincoln St – Worcester, MA 01653 – (508) 855-6566
To view a complete directory of Worcester insurance agents, please click here.
After getting positive feedback to your questions and a good coverage price, you may have just found a car insurance agent that can insure your vehicles.
Even more information can be found at the Massachusetts Division of Insurance website. Massachusetts consumers can learn about insurance regulations, read industry bulletins, discover disciplinary actions, and read consumer alerts.
Smart shoppers get results
As you go through the steps to switch your coverage, never skimp on critical coverages to save a buck or two. In many instances, consumers will sacrifice comprehensive coverage or liability limits only to discover later that they should have had better coverage. The ultimate goal is to find the BEST coverage at an affordable rate, not the least amount of coverage.
You just read some good ideas how to shop for car insurance online. The key concept to understand is the more companies you get rates for, the better likelihood of reducing your rate. Drivers may discover the most savings is with the least-expected company. Smaller companies may often insure only within specific states and give getter rates than the large multi-state companies such as State Farm and Allstate.
Low-cost car insurance is definitely available from both online companies in addition to many Worcester insurance agents, and you should compare price quotes from both to have the best chance of lowering rates. There are still a few companies who do not provide you the ability to get quotes online and many times these small insurance companies only sell through independent insurance agents.