In Massachusetts, you have to have car insurance if you want to drive on any of the state's roads. But that doesn't mean you have to pay more than you have to for your car insurance.
Let's see if we can find one or more ways for you to compare low-cost car insurance here in Massachusetts and save money on your car insurance every month.
Can you park your car overnight in a garage? If you can, let your agent know, because putting your car in a garage will save you money every month.
Can you drive less? People are now leaving their cars at home and taking the bus or train whenever they can. If you can drive less than 500 miles per month, you may be able to get a discount on your car insurance.
If you really want to find cheap car insurance, you'll need to keep your driving record clean. That means you can't get a ticket for speeding or any other moving violation. You also can't get a DUI or DWI.
You probably pay more for your insurance because you drive to and from work every day. If you could carpool and drive less during rush hour, you should also be able to pay less for car insurance. And if you stop working for good, you should definitely tell your agent. This could save you a lot of money every month.
Every year, your car's value goes down a little bit. That means that every year, the amount of your collision and comprehensive insurance should go down by the same amount that your car's value has gone down.
If you have more than one kind of insurance, it can save you money to put them all with the same company. This way, you can save money on your car insurance by having more than one policy.
Ask your agent if your insurance company gives you a discount if you buy and use a steering wheel lock or if you install a simple, cheap device that disables your fuel pump until you press a hidden button every time you start your car. Ask about other ways to prevent theft, too.
Young drivers can get a discount of 5% or more if they stay in school and get an average grade of "B" or better. If older drivers take and pass a special driver's refresher course, they may be eligible for a 10% discount. Check with your agent, though, because not all companies offer this discount.
How much does your deductible cost? When you raise your deductible, your monthly car insurance payment goes down. But be careful! Your deductible is the amount of money you have to pay out of pocket if you have to make a claim. Don't agree to pay more than you can pay!
Lastly, go online and find 3 of those sites that let you compare the prices of car insurance from different companies. Make sure you fill out the forms on 3 different websites, and make sure you do it the same way on each site. This way, you'll be sure to get quotes from all of the Massachusetts insurance companies, and you'll be able to compare the same policy on all 3 sites.
The rest will be easy. Just look at the prices and choose the best one. And that's how you can find the best low-cost car insurance in Massachusetts.
