Free Guide to Spending Less for Lawrence Auto Insurance Online

Have you had enough of not being able to afford each month for car insurance? Your situation is no different than many other Massachusetts consumers.

Companies like State Farm and GEICO constantly blast consumers with ad campaigns and consumers find it hard to ignore the propoganda and effectively compare rates to find the best deal.

Consumers should take time to compare rates every six months because prices tend to go up over time. Despite the fact that you may have had the lowest rates a year ago there may be better deals available now. Block out anything you think you know about auto insurance because I’m going to let you in on the secrets to how to quote online to properly buy coverages while reducing your premium.

If you have car insurance now, you stand a good chance to be able to reduce your rates substantially using these techniques. Finding the best rates in Lawrence is not that difficult. Nevertheless, Massachusetts consumers do need to know the way companies compete online and take advantage of how the system works.

Buy Cheaper Auto Insurance with These Tips

Smart consumers have a good feel for the rating factors that come into play when calculating your auto insurance rates. Understanding what controls the rates you pay helps enable you to make changes that can help you get much lower annual insurance costs.

The list below includes some of the items that factor into your rates.

  • Liability insurance protects assets – Liability insurance will protect you in the event that a jury decides you are liable for damages caused by your negligence. Liability insurance provides legal defense coverage which can be incredibly expensive. Liability is cheap compared to physical damage coverage, so buy as much as you can afford.
  • A lapse in coverage is a bad thing – Allowing your coverage to lapse will be a fast way to trigger a rate increase. And not only will your rates increase, but not being able to provide proof of insurance may earn you a revoked license or a big fine.You may then be required to submit proof of financial responsibility or a SR-22 with the Massachusetts motor vehicle department.
  • Too many auto insurance claims drive up costs – If you are a frequent claim filer, you can expect either policy cancellation or increased premiums. Auto insurance companies in Massachusetts give better rates to insureds who do not rely on their insurance for small claims. Your insurance policy is meant to be used in the event of the bigger claims that can’t be paid out-of-pocket.
  • Discounts for multiple policies – Some auto insurance companies provide better rates to insureds who buy several policies from them, otherwise known as a multi-policy discount. Even with this discount, you may still want to compare rates to ensure the best deal.
  • Big city or small town – Living in small towns and rural areas can be a good thing when buying auto insurance. Drivers who live in large cities have much more traffic and longer commute times. Lower population means reduced accidents.
  • Special features that cut premiums – Driving a car with an alarm system can help lower your rates. Theft prevention devices like LoJack tracking devices, vehicle tamper alarm systems or GM’s OnStar system all hinder your car from being stolen.
  • Pleasure use saves money – The higher the mileage driven in a year’s time the more you will pay for auto insurance. Almost all companies apply a rate determined by how the vehicle is used. Cars left parked in the garage qualify for better rates as compared to vehicles used primarily for driving to work. Make sure your auto insurance declarations sheet shows the correct usage for each vehicle.

How to Get Cheap Auto Insurance in Lawrence, MA

All the larger auto insurance companies like GEICO, State Farm and Progressive provide pricing online. Getting online quotes doesn’t take much effort as you just type in your required coverages as requested by the quote form. After you submit the form the company’s rating system sends out for credit information and your driving record and returns pricing information based on these factors. Online price quotes simplifies rate comparisons, but the time it takes to visit many different websites and enter the same data into a form is repetitive and time-consuming. Unfortunately, it is important to perform this step if you want to find the best price on auto insurance.Lawrence MA car insurance

The preferred way to lower your auto insurance bill uses one form that gets prices from a bunch of companies at once. It saves time, eliminates form submissions, and makes online quotes a little more enjoyable. As soon as the form is sent, your coverage is rated and you can choose your choice of the quotes that you receive. If the quotes result in lower rates, it’s easy to complete the application and buy the new coverage. The whole process takes less than 15 minutes and you will find out if you’re overpaying now.

To get comparison pricing now, click here and enter your vehicle and coverage information. If you have coverage now, it’s recommended you enter the coverage information exactly as shown on your declarations page. Doing this guarantees you will get rate quotes based on the exact same insurance coverage.

How much can you save with discounts?

Auto insurance companies don’t always list all available discounts very well, so here is a list both well-publicized and also the lesser-known auto insurance savings.

  • Life Insurance Discount – Companies who offer life insurance give better rates if you take out life insurance.
  • Multi-car Discount – Insuring more than one vehicle with the same company could earn a price break for each car.
  • Anti-lock Brake Discount – Vehicles equipped with ABS or steering control are safer to drive and therefore earn up to a 10% discount.
  • Save with a New Car – Adding a new car to your policy can be considerably cheaper since new cars are generally safer.
  • Theft Prevention System – Vehicles with anti-theft systems can help prevent theft and will save you 10% or more.
  • Sign Early and Save – Select companies give a discount for signing up prior to your current policy expiration. It can save you around 10%.
  • Air Bag Discount – Cars that have air bags or automatic seat belts may earn rate discounts of up to 25% or more.
  • Drivers Ed for Students – Require your teen driver to complete a driver education course if offered at their school.
  • Defensive Driver – Taking a course in driver safety could possibly earn you a 5% discount if your company offers it.

A little note about advertised discounts, most credits do not apply to the entire policy premium. Most cut the price of certain insurance coverages like medical payments or collision. So when it seems like you could get a free auto insurance policy, companies wouldn’t make money that way.

How much car insurance do I need?

When it comes to buying the best auto insurance coverage for your vehicles, there really is not a perfect coverage plan. Coverage needs to be tailored to your specific needs so your insurance should reflect that These are some specific questions might help in determining if your insurance needs might need an agent’s assistance.

  • Do I really need UM/UIM coverage?
  • Do I need PIP coverage since I have good health insurance?
  • When should I not file a claim?
  • Will my rates increase for filing one claim?
  • What if I don’t agree with a claim settlement offer?
  • Which companies will insure high-risk drivers?
  • Can my teen driver be rated on a liability-only vehicle?

If it’s difficult to answer those questions but you know they apply to you, you may need to chat with a licensed agent. If you want to speak to an agent in your area, take a second and complete this form or you can also visit this page to select a carrier

Additional detailed information is available at the Massachusetts Division of Insurance website. Massachusetts drivers can find out industry alerts, report car insurance fraud, and view agent and company licensing information.

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A little work can save a LOT of money

Affordable auto insurance can be purchased online and with local Lawrence insurance agents, so compare prices from both to have the best chance of lowering rates. Some insurance providers do not offer you the ability to get quotes online and these small, regional companies work with independent agents.

While you’re price shopping online, it’s very important that you do not reduce coverage to reduce premium. There are a lot of situations where someone sacrificed liability limits or collision coverage only to regret at claim time that it was a big error on their part. Your aim should be to find the BEST coverage at the best price while not skimping on critical coverages.