Insider Tips to Paying Less for Salem, MA Car Insurance

Consumers who are new to price shopping insurance online may find shopping for low-cost Salem car insurance very challenging.

Finding affordable coverage in Salem is easy if you know what you’re doing. If you currently have a car insurance policy, you will be able to reduce your rates substantially using these tips. But Massachusetts car owners need to learn how companies price insurance differently and take advantage of how the system works.

Buy Cheaper Car Insurance with These Tips

An important part of buying insurance is that you know the different types of things that play a part in calculating car insurance rates. Understanding what impacts premium levels allows you to make educated decisions that may reward you with better car insurance rates.

Shown below are some of the factors companies use to determine rates.

  • An active claims history can cost you – If you file claims often, you can look forward to either a policy non-renewal or much higher rates. Companies in Massachusetts give lower rates to insureds who do not file claims often. Auto insurance is intended for larger claims.
  • Please use or commuting – The more miles you rack up on your car in a year the higher your rates will be. Most companies apply a rate based on their usage. Vehicles used primarily for pleasure use receive lower rates than vehicles that are driven to work every day. Double check that your car insurance policy is rated on how each vehicle is driven, because improper ratings can cost you money.
  • Your credit rating is important – Having a bad credit history is a large factor in calculating your car insurance rates. So if your credit history is not that good, you could be paying less to insure your by improving your rating. People with excellent credit tend to be more responsible as compared to drivers with lower credit scores.
  • Having a spouse can save you money – Having a wife or husband actually saves money on your car insurance policy. Having a significant other is viewed as being more mature and statistics show being married results in fewer claims.

How to Get Cheap Car Insurance in Salem, Massachusetts

Most companies such as GEICO, State Farm and Progressive quote prices for coverage on their websites. Getting quotes is fairly simple as you simply type in your personal and coverage information as requested by the quote form. When the form is submitted, the company’s rating system sends out for credit information and your driving record and generates pricing information based on these and other factors.

Online quotes makes it a lot easier to compare rates but the work required to visit each company’s website and repetitively enter the same data into a form can get tiresome after awhile. Unfortunately, it is important to perform this step in order to get the lowest price.

The quickest way to lower your car insurance bill uses one form that gets price quotes from a lot of companies. The form is fast, requires much less work on your part, and makes rate comparisons much more enjoyable and efficient. After sending the form, it gets priced with multiple companies and you can pick any or none of the returned quotes. If you find a better price you can simply submit the application and purchase coverage. The entire process can be completed in a matter of minutes and may result in a nice savings.

To compare rates using this form now, click here to open in new window and complete the simple form. If you have your current policy handy, we recommend you enter as shown on your current policy. This way, you will get rate comparison quotes for exact coverage.price insurance in Salem MA

Cut your car insurance rates with discounts

Car insurance companies don’t list every available discount very clearly, so we break down some of the more common as well as the least known discounts you could be receiving.

  • Low Mileage Discounts – Low mileage vehicles can earn a substantially lower rate.
  • Driver Safety – Successfully completing a driver safety course could cut 5% off your bill and easily recoup the cost of the course.
  • Multiple Vehicles – Insuring multiple vehicles with the same company qualifies for this discount.
  • Early Signing – Select companies give a discount for buying a policy prior to your current policy expiring. This can save 10% or more.
  • Paperless Signup – A handful of insurance companies will discount your bill up to fifty bucks for buying a policy and signing up over the internet.
  • Discounts for Safe Drivers – Insureds without accidents may receive a discount up to 45% less than drivers with accident claims.
  • Anti-lock Brakes – Anti-lock brake equipped vehicles prevent accidents and will save you 10% or more.
  • Multiple Policy Discount – When you combine your home and auto insurance with the same insurance company you could get a discount of at least 10% off all policies.
  • Discount for Life Insurance – Companies who offer life insurance give lower rates if you buy life insurance.
  • Club Memberships – Participating in certain professional organizations could qualify you for a break on your policy.

It’s important to understand that most credits do not apply to all coverage premiums. A few only apply to the price of certain insurance coverages like comp or med pay. So when it seems like you would end up receiving a 100% discount, car insurance companies aren’t that generous.

To see a list of insurers who offer car insurance discounts in Massachusetts, click here.

You are unique and your car insurance should be too

When choosing proper insurance coverage, there really is not a perfect coverage plan. Everyone’s situation is a little different.

For instance, these questions can aid in determining whether your personal situation will benefit from professional help.

  • Does liability extend to a camper or trailer?
  • Which companies will insure high-risk drivers?
  • Should I put collision coverage on all my vehicles?
  • Am I covered by my employer’s commercial auto policy when driving my personal car for business?
  • Is my teen driver covered when they drive my company car?
  • Are rental cars covered under my policy?
  • Is my custom paint covered by insurance?
  • When should I remove comp and collision on my vehicle?
  • What are the financial responsibility laws in Massachusetts?

If you don’t know the answers to these questions but you know they apply to you, then you may want to think about talking to a licensed agent. To find an agent in your area, take a second and complete this form.

More tips and info about car insurance is available at the Massachusetts Division of Insurance website. Massachusetts drivers can learn about specific coverages, find out industry alerts, and view a list of available companies.

price insurance in Salem MA

The articles below may also help you learn more about car insurance in Salem

Online plus local equals savings

Throughout this article, we presented a lot of ways to lower your car insurance rates. The key concept to understand is the more you quote, the better your chances of lowering your rates. Consumers could even find that the biggest savings come from an unexpected company.

People who switch companies do it for any number of reasons including denial of a claim, poor customer service, high rates after DUI convictions and even unfair underwriting practices. Whatever your reason, finding a new company can be pretty painless.

Cheaper car insurance is possible on the web in addition to many Salem insurance agents, and you should compare price quotes from both in order to have the best chance of saving money. Some car insurance companies do not provide the ability to get a quote online and usually these smaller companies provide coverage only through local independent agents.