Car insurance here in Massachusetts is simply a fact of life if you want to drive on any state roadway. But that doesn’t mean that you need to pay any more for your car insurance than you absolutely have to.
Let’s see if we can find one or more ways for you to compare low cost car insurance here in Massachusetts and save money on your car insurance each and every month.
Can you keep your car in a garage at night? If you can your agent needs to know as garaging your car will save you money month after month.
Can you drive less? Many people are now using public transportation whenever possible and leaving their car at home. If you can lower your driving down to under 500 miles per month you may qualify for a Low Mileage Discount.
If you’re truly serious about finding low cost car insurance then you’ll have to keep your driving record spotless. That means no speeding tickets, no moving violations of any kind – and certainly no DUIs or DWIs.
A portion of your premium is probably based on the fact that you drive to and from work each day. If you could carpool and cut your rush-hour driving you should also cut your car insurance premium. And if you should stop working altogether you definitely need to let your agent know as this could save you quite a few dollars each month.
Each year your car loses some of its value. That means each year you should decrease the amount of your collision and comprehensive insurance to match the decline in your car’s value.
If you have several different types of insurance policies it pays to consolidate all of them with one insurance company. In this way you will get a multi-policy discount on your car insurance.
Ask your agent if your insurance company offers a discount for purchasing (and using) a steering wheel locking device or for installing a simple and inexpensive device that disables your fuel pump until you press a hidden button each time you start your car. Ask about other anti-theft devices as well.
Younger drivers can get a 5% or greater discount if they simply stay in school and get a “B” or better grade average. Older drivers may qualify for a 10% discount if they pass a special driver’s refresher course – check with your agent as not all companies offer this discount.
What about your deductible? If you increase your deductible you decrease your monthly car insurance payment. But be careful! Whatever amount you set as your deductible represents cash that you have to come up with in case of a claim. Don’t agree to pay more than you can afford!
Lastly, get online and find 3 of those sites that let you compare the prices of car insurance from various insurance companies. Make sure you fill out the forms on 3 different websites and make sure that you fill out the forms exactly the same way on each site. This way you’ll not only be certain of seeing quotes from all of the insurance companies operating in Massachusetts, but you’ll also be comparing the same policy on all 3 sites.
The rest is a snap. Just look at your results and pick the best price! And that’s how to compare low cost car insurance in Massachusetts and come out the clear winner!