Almost every driver in Massachusetts is looking for affordable car insurance. And why not? You may have to purchase car insurance to drive a vehicle on a public road in Massachusetts, but there’s no sense in over-paying for your insurance.
One of the surest ways of finding affordable car insurance in Massachusetts is to compare the prices of car insurance online. However, unless you know how to fill out the forms on the price comparison websites so that you create the lowest-priced car insurance policy to begin with you’re really not going to save all that much money.
So let’s take a look at some of the things you can do to create a low-priced policy.
Can you keep your car in a garage at night? If your car is not parked in the open, available to thieves and vandals, you will save money on your insurance each month.
Can you drive less? Taking public transportation for as much of your “driving” as possible could save you money in several ways, including lower car insurance. If you can keep your driving under 500 miles per month you may qualify for a Low Mileage Discount.
A portion of your premium is probably based on the fact that you drive back and forth to work everyday. If you could carpool and cut the number of days that you drive back and forth to work each month in half, the savings on your car insurance could be substantial.
If you stop working and stop driving to work and back at all you should definitely let your agent know.
Make automatic premium payments from your bank account each month. If your insurance company doesn’t have to send out a bill each month they should reward you by giving you a small break on your insurance.
Some companies give you a hefty break on your insurance if you purchase even simple anti-theft devices such as a steering wheel lock or a device to disable your fuel pump unless you hit a secret switch. Ask your agent if installing such security devices will lower your insurance costs.
Find group car insurance. Often you can purchase low-cost group car insurance at your place of work. If not, see if any clubs or organizations or groups that you belong to offer their members group car insurance. If not, ask family and friends if they belong to any groups or associations that offer members low cost group car insurance – if so, see about joining.
If you are married put the wife on the policy as the primary driver and the husband as the secondary driver. Women pay less for car insurance and setting up your policy in this way will save you money every month.
If you have towing or car rental through AAA or through a credit card, then there is no need to pay for it each month as part of your car insurance.
Young drivers should stay in school and keep their grades up. A “B” or better grade should earn you a minimum 5% Good Student Discount.
Older drivers can sometimes get a break on their insurance if they take a special driver’s refresher course. Talk to your agent and see if your company offers this discount.
Older cars that have little or no Kelly Blue Book value should be removed from any comprehensive or collision coverage. In fact, your vehicle loses value each year and you should be decreasing your collision and comprehensive coverage to match your car’s declining value.
Increase your deductible. This is a sure-fire way to lower your monthly car insurance premium, but care must be taken that you don’t increase your deductible to the level that you can’t afford to pay it if you should have a claim.
Finally you’ll want to find at least 3 websites that encourage you to compare the prices of car policies from different insurance companies. Using everything you have learned from this article you should fill out the forms on a minimum of 3 different websites. But be careful that you fill out all three forms in exactly the same way so that your comparisons have some value.
Once you’ve done this then all that’s left is for you to choose the lowest-priced policy and smile, smile, smile, since you now know exactly how to get affordable car insurance in Massachusetts and save money month after month!