No one looks forward to paying for auto insurance, especially knowing their premiums are through the roof. There are many auto insurance companies to choose from, and though it is a good thing to have multiple companies, lots of choices makes it harder to locate the cheapest rates.
Smart consumers take time to price shop coverage quite often because rates are constantly changing. Just because you found the best rates two years ago you will most likely find a better rate today. So block out anything you think you know about auto insurance because you’re going to get a crash course in the best methods to find better rates and still maintain coverage.
Buying car insurance in Newton is not rocket science. If you have a current auto insurance policy or are just looking to switch companies, you can use this information to cut your premiums while maximizing coverage. Massachusetts drivers just need to know the proper methods to get comparison rates over the internet.
Reducing your insurance rates can be relatively painless. All you need to do is spend a few minutes comparing price quotes provided by online insurance companies. This is very easy and can be done in several different ways.
For a handy list of car insurance company links in Newton, click here.
However you get your quotes, make darn sure you compare the exact same coverages for every quote you compare. If you compare different deductibles you will not be able to determine the lowest rate in Newton.
Companies that sell car insurance don’t always list every available discount very clearly, so we took the time to find some of the more common and also the lesser-known auto insurance savings. If you’re not getting every credit you deserve, you’re just leaving money on the table.
Drivers should understand that most credits do not apply to the overall cost of the policy. A few only apply to the price of certain insurance coverages like comp or med pay. Just because it seems like you can get free auto insurance, you won’t be that lucky.
To choose providers who offer auto insurance discounts in Newton, click here to view.
Some consumers would prefer to talk to a local agent and that is OK! Educated insurance agents are trained to spot inefficiencies and give you peace of mind. The best thing about comparing rates online is you can get the best rates but also keep your business local.
To help locate an agent, after submitting this form (opens in new window), the quote information is instantly submitted to local insurance agents who will compete for your coverage. There is no reason to leave your computer due to the fact that quote results will go immediately to your email address. It doesn’t get any easier!
Choosing an insurer needs to be determined by more than just the bottom line cost. Some important questions to ask are:
When looking for a local agent, you need to know there are two different types of agents from which to choose. Agencies in Newton are categorized either independent (non-captive) or captive. Both types can do a good job, but it’s worth mentioning how they are different because it can influence the type of agent you choose
Captive agents are contracted to one company such as American Family, State Farm and Allstate. They usually cannot give you multiple price quotes so they are skilled at selling on more than just price. Captive agents are well schooled on the products they sell which helps them compete with independent agents.
Independent agencies are not required to write business for one company so they can insure your vehicles with any number of different companies and potentially find a lower price. If your agent finds better pricing, your agent can switch companies and you don’t have to find a new agent. When shopping rates, it’s recommended you include multiple independent agents to have the most options to choose from.
Shown below is a short list of independent agents in Newton willing to provide price quotes.
Insurance Marketing Agencies – 265 Washington St – Newton, MA 02458 – (617) 332-2200
Segal Insurance – 424 Langley Rd – Newton, MA 02459 – (617) 527-4400
To view a full list of auto insurance agents in Newton, please view this page.
Once you have received positive responses to your questions and a good coverage price, chances are good that you have found an insurance agent that will properly insure your vehicles.
An important part of buying insurance is that you know the factors that go into determining the rates you pay for auto insurance. Understanding what controls the rates you pay empowers consumers to make smart changes that can help you get big savings.
When buying insurance coverage, never skimp on coverage in order to save money. In many instances, someone dropped physical damage coverage only to find out that a couple dollars of savings turned into a financial nightmare. Your focus should be to buy a smart amount of coverage at an affordable rate.
Cheaper auto insurance is possible online and also from your neighborhood Newton agents, and you should compare price quotes from both so you have a total pricing picture. A few companies may not provide online quoting and usually these small, regional companies provide coverage only through local independent agents.
Even more information is available at the Massachusetts Division of Insurance website. Massachusetts consumers can file complaints about an insurance agent or broker, find out which companies have the most complaints, and read enforcement actions against agents and companies.