Lowest Auto Insurance Exclusively for Springfield Massachusetts Residents

Paying for high-priced auto insurance can take a big chunk out of your checking account and put the squeeze on your family’s finances. Comparison shopping is a great way to tighten up your finances.

Many insurers compete for your hard-earned dollar, so it can be very hard to choose a insurer and get the best coverage at the cheapest price

It’s important to shop coverage around periodically because prices change frequently. Just because you had the best price a few years ago you will most likely find a better rate today. There is too much inaccurate information about auto insurance on the internet, so I’m going to show you a lot of great tips on how to quit paying high auto insurance rates.

If you currently have a car insurance policy, you will most likely be able to reduce your rates substantially using this information. Finding affordable coverage in Springfield is not rocket science. But Massachusetts car owners must know how the larger insurance companies price insurance differently.

Compare Quotes for Springfield Auto Insurance

All major auto insurance companies like State Farm and Allstate provide pricing online. Getting online quotes doesn’t take a lot of time as you simply type in as detailed in the form. Once you submit the form, their rating system automatically retrieves credit information and your driving record and quotes a price based on many factors. Online price quotes helps simplify price comparisons, but the time required to go to different websites and enter the same data into a form can get tiresome after awhile. But it’s very important to perform this step if you want to find the lowest price.

An easier way to find lower prices uses one form that analyzes rates from multiple companies. It’s a real time-saver, requires much less work on your part, and makes comparison shopping much more enjoyable. After your information is entered, your coverage is rated and you can select your choice of the pricing results.

If you find a better price it’s easy to complete the application and purchase the new policy. This process only takes a few minutes and can result in significant savings.

In order to find out how much you’re overpaying now, click here to open in new window and fill out the form. If you have coverage now, it’s recommended you duplicate your coverages as close as possible to your current policy. Doing this assures you are getting a fair comparison using the same coverage and limits.compare rates in Springfield

Take discounts and save

Insuring your vehicles can cost a lot, but you can get discounts that you may not even be aware of. Some discounts apply automatically at the time you complete a quote, but a few need to be asked for before being credited.

  • Government Employees – Active or retired federal employment could cut as much as 10% off with select insurance companies.
  • Clubs and Organizations – Belonging to certain professional organizations is a good way to get lower rates when shopping for auto insurance.
  • Student in College – Children who live away from home and do not have a car can be insured at a reduced rate.
  • Paperwork-free – A few companies may give you up to $50 simply for signing digitally online.
  • Service Members Pay Less – Being deployed with a military unit could mean lower rates.
  • Defensive Driver – Taking a defensive driving course could cut 5% off your bill if you qualify.

Keep in mind that most credits do not apply to the entire cost. The majority will only reduce individual premiums such as liability, collision or medical payments. So when the math indicates having all the discounts means you get insurance for free, companies wouldn’t make money that way. But all discounts will reduce the cost of coverage.

For a list of insurance companies with the best auto insurance discounts in Springfield, click here.

Which policy gives me the best coverage?

When buying the right insurance coverage, there isn’t really a “perfect” insurance plan. Your needs are not the same as everyone else’s and your policy should reflect that. Here are some questions about coverages that can help discover if your situation would benefit from an agent’s advice.

  • Which companies will insure high-risk drivers?
  • What is covered by UM/UIM coverage?
  • Am I getting all the discounts available?
  • What are Massachusetts no-fault laws?
  • Does my vehicle need full coverage?
  • What if I don’t agree with a claim settlement offer?
  • Should I put collision coverage on all my vehicles?

If it’s difficult to answer those questions but a few of them apply, you may need to chat with a licensed agent. If you don’t have a local agent, complete this form or you can also visit this page to select a carrier

Make smart decisions and save

An important part of buying insurance is that you know the different types of things that go into determining your auto insurance rates. Understanding what determines base rates enables informed choices that could result in much lower annual insurance costs.

Listed below are a partial list of the pieces auto insurance companies consider when setting premiums.

Auto insurance in Springfield Massachusetts

  • Multi-policy discounts can save money – Most insurers will give a discount to insureds who have multiple policies with them, otherwise known as a multi-policy discount. If you currently are using one company, it’s in your best interest to shop around to ensure the best deal.
  • More claims means more premium – If you tend to file frequent claims, you can pretty much guarantee either policy cancellation or increased premiums. Companies in Massachusetts generally give lower rates to people who are claim-free. Your insurance policy is meant to be used in the event of the large, substantial claims.
  • Better crash test results mean better rates – Vehicles with good safety scores are cheaper to insure. Safer cars protect occupants better and any reduction in injury severity means lower claim amounts and lower rates for you.
  • Don’t let your coverage lapse – Not having insurance is illegal and auto insurance companies will penalize you for letting your coverage lapse. Not only will rates go up, but being ticketed for driving with no insurance can result in a revoked license or a big fine.You may have to prove you have insurance by filing a SR-22 with the Massachusetts DMV.
  • Adjust deductibles and save – Insurance for physical damage to your car, commonly called comprehensive (or other-than-collision) and collision coverage, is used to repair damage to your car. Some examples of claims that would be covered are running into the backend of another car, damage from fire, and windstorm damage. Deductibles for physical damage are how much you are required to spend out-of-pocket before your auto insurance pays a claim. The more the insured has to pay upfront, the bigger discount you will receive.

Quote more, save more

As you shop your coverage around, you should never skimp on critical coverages to save a buck or two. There are too many instances where someone sacrificed collision coverage only to regret that their decision to reduce coverage ended up costing them more. Your strategy should be to purchase a proper amount of coverage for the lowest price while not skimping on critical coverages.

Discount auto insurance can be purchased from both online companies in addition to many Springfield insurance agents, and you need to comparison shop both in order to have the best chance of saving money. Some insurance providers do not provide the ability to get a quote online and most of the time these smaller companies sell through independent agents.

More information can be found on the website for the Massachusetts Division of Insurance located here. Massachusetts drivers can learn about insurance regulations, view agent and company licensing information, and find a variety of consumer forms.

Other informative sites include this site for Massachusetts auto insurance information and see this list of insurance agents in Springfield.