Discover Proven Techniques to Save on Worcester Massachusetts Car Insurance

Sick and tired of paying out the nose to buy car insurance? You’re in the same situation as many other Massachusetts consumers. Lots of insurers contend for your hard-earned dollar, so it can be very hard to choose a insurer to find the lowest price

Consumers should take time to take a look at other company’s rates on a regular basis due to the fact that insurance rates change quite often. Even if you got the lowest rates last year a different company probably has better rates today. Forget anything you know (or think you know) about car insurance because I’m going to let you in on the secrets to the fastest and easiest way to reduce your cost while improving coverage.

If you have a current car insurance policy or are shopping for new coverage, you will benefit by learning to shop for the lowest rates and still get good coverage. Choosing the best insurance company for you in Worcester is not rocket science. Massachusetts consumers just need to know the tricks to shop their coverage around on the web.

Lower rates by qualifying for discounts

Car insurance companies don’t always list every discount in a way that’s easy to find, so we researched some of the more common and also the lesser-known savings tricks you should be using. If you aren’t receiving every discount possible, you’re just leaving money on the table.

  • Resident Student – Youth drivers who are attending college and do not have access to a covered vehicle can receive lower rates.
  • Multi-policy Discount – If you insure your home and vehicles with the same company you could get a discount of at least 10% off all policies.
  • Early Signing – Select companies give a discount for buying a policy prior to your current policy expiring. This can save 10% or more.
  • Sign Online – A handful of insurance companies will discount your bill up to fifty bucks simply for signing over the internet.
  • Low Mileage – Keeping the miles down can qualify you for better rates on cars that stay parked.
  • Seat Belts Save more than Lives – Drivers who require all occupants to use a seat belt could cut 10% or more on the medical payments or PIP coverage costs.
  • Student Driver Training – Cut your cost by having your teen driver successfully complete driver’s ed class in high school.
  • Homeowners Discount – Being a homeowner can help you save on car insurance due to the fact that maintaining a home requires personal responsibility.
  • Safety Course Discount – Completing a driver safety course could possibly earn you a 5% discount depending on where you live.
  • Drive Safe and Save – Drivers who avoid accidents may save up to 50% more than their less cautious counterparts.

As a disclaimer on discounts, most credits do not apply to the entire policy premium. Most only cut the cost of specific coverages such as medical payments or collision. So even though they make it sound like all those discounts means the company will pay you, it doesn’t quite work that way.

For a list of providers with the best car insurance discounts in Massachusetts, click here to view.

Compare Quotes for Worcester Car Insurance

Getting a cheaper price on insurance can be quick and easy. Consumers just need to spend a little time comparing rates online from several insurance companies. This is very easy and can be done in a couple of different rates in Worcester MA

  • The first (and easiest) way to get quotes would be an industry-wide quote request form (click to open form in new window). This easy form prevents you from having to do multiple quote forms for every car insurance company. Taking the time to complete one form will return quotes from all major companies.
  • A more difficult way to analyze rates consists of going to each individual company website and fill out their own quote form. For instance, let’s say you want to compare Liberty Mutual, Allstate and GMAC. To get rate quotes you would need to spend time on each company’s site and enter your information, which is why the first method is more popular.

    For a handy list of car insurance company links in Worcester, click here.

  • The most time-consuming method of getting rate comparisons is to waste gas driving to local insurance agencies. Buying insurance online has reduced the need for local agents unless you want the professional advice of a local agent. However, consumers can get the lowest quotes online and still use a local agent. We’ll cover that shortly.

It doesn’t matter which method you choose, just make sure you use identical information for every company. If your comparisons have differing limits it will be very difficult to determine the lowest rate in Worcester.

How your Worcester rates are determined

It’s important that you understand some of the elements that come into play when calculating car insurance rates. Knowing what determines base rates allows you to make educated decisions that can help you get better car insurance rates.

The list below includes some of the factors companies use to determine your rates.

  • Mature drivers pay less – Older insureds tend to be more responsible, tend to file fewer claims and are safer drivers. Teen drivers are statistically proven to be more careless when behind the wheel and because of this, their car insurance rates are much higher.
  • Allowing your policy to lapse raises rates – Not having insurance can get your license suspended and you will pay a penalty because you let your coverage lapse. Not only will you pay more, but not being able to provide proof of insurance will get you a steep fine or even jail time.You may need to prove you have insurance by filing a SR-22 with the Massachusetts motor vehicle department.
  • Your car insurance rates can be influenced by your job – Occupations such as judges, business owners and financial analysts tend to pay higher average rates due to stressful work requirements and long work days. Conversely, occupations such as pilots, engineers and retirees have the lowest average rates.
  • Battle of the sexes – Statistics show women are more cautious behind the wheel. Now that doesn’t mean women are better drivers. Women and men have accidents in similar percentages, but the males tend to have more serious accidents. They also have more aggressive citations such as DWI and reckless driving.
  • Drive a safer car and pay less – Cars with high safety ratings can get you lower premiums. The safest vehicles result in less severe injuries and any reduction in injury severity translates into fewer and smaller insurance claims and thus lower rates.
  • Don’t sacrifice liability coverage – Liability coverage is the coverage that protects you if you are found to be at fault for damages caused by your negligence. Liability insurance provides for a legal defense starting from day one. Carrying liability coverage is mandatory and cheap when compared with rates for comp and collision, so do not skimp.

Compare online but buy from a local Worcester agent

Certain consumers just want to buy from a local agent and there is nothing wrong with that. Licensed agents are trained to spot inefficiencies and give you peace of mind. One of the best bonuses of comparing insurance prices online is you may find the best rates but still work with a licensed agent.

To find an agent, once you fill out this quick form, your insurance coverage information gets sent to local insurance agents who will return price quotes for your business. There is no need to even leave your home due to the fact that quote results will go to the email address you provide. How cool is that?!

Choosing an provider should depend on more than just a low price. Here are some questions to ask:

  • Do the coverages you’re quoting properly cover your vehicle?
  • Are they properly licensed to sell insurance in Massachusetts?
  • Is vehicle damage repaired with OEM or aftermarket parts?
  • Does the agency provide any after hours assistance?
  • Does the agency have a good rating with the Better Business Bureau?
  • If you are a high risk driver, do they have special markets for your coverage?
  • How much can you save by raising your physical damage deductibles?

If you wish to view licensed agents in Worcester, simply jump to this page.

Worcester MA insurance prices

After receiving positive feedback to any questions you have and an acceptable price quote, most likely you have located a company that can properly service your car insurance policy.

More effort can pay off

Lower-priced car insurance can be purchased online and with local Worcester insurance agents, and you should be comparing both in order to have the best price selection to choose from. Some car insurance companies do not offer the ability to get a quote online and usually these small insurance companies provide coverage only through local independent agents.

As you go through the steps to switch your coverage, do not buy poor coverage just to save money. There have been many cases where consumers will sacrifice full coverage to discover at claim time that it was a big mistake. Your aim should be to get the best coverage possible at the best price while still protecting your assets.

Massachusetts insurance information

More detailed Massachusetts car insurance information is available at the Massachusetts Division of Insurance website. Massachusetts consumers can find out industry alerts, read enforcement actions against agents and companies, report car insurance fraud, and read consumer alerts.