Nearly every driver in Massachusetts wants cheap car insurance. Well, why not? If you drive a car on a public road in Massachusetts, you may be required to have car insurance, but there's no reason to pay more than you have to.
Comparing car insurance prices online is one of the best ways to find cheap car insurance in Massachusetts. But you won't save much money if you don't know how to fill out the forms on price comparison websites so that you get the cheapest car insurance policy to start with.
So, let's look at some of the things you can do to make a policy with a low price.
Can you park your car overnight in a garage? If you don't park your car where thieves and vandals can get to it, you will save money on your insurance every month.
Can you drive less? Using public transportation for as much of your "driving" as possible could save you money in many ways, including a lower car insurance premium. If you drive less than 500 miles per month, you may be able to get a discount on your car insurance.
You probably pay more for your insurance because you drive to and from work every day. If you could carpool and cut in half the number of times you drive to and from work each month, you could save a lot on your car insurance.
If you quit your job and no longer drive to and from work, you should let your agent know.
Set up a monthly payment from your bank account to cover your premiums. If your insurance company doesn't have to send you a monthly bill, they should give you a small discount on your insurance as a thank you.
Some insurance companies will give you a big discount if you buy even simple anti-theft devices, like a steering wheel lock or a device that stops your fuel pump unless you hit a secret switch. Ask your agent if installing these kinds of security devices will lower the cost of your insurance.
Find car insurance for a group. Group car insurance can often be bought at work for a low price. If not, check to see if any clubs, organisations, or groups you belong to offer group car insurance to their members. If you don't have car insurance, ask family and friends if they belong to any groups or organisations that offer low-cost group car insurance. If they do, look into joining.
If you are married, make your wife the main driver on the policy and your husband the second driver. When it comes to car insurance, women pay less than men, so setting up your policy this way will save you money every month.
If you have towing or rental cars through AAA or a credit card, you don't need to pay for them as part of your car insurance every month.
Young people who drive should stay in school and do well. If you get a "B" or better, you should get at least a 5% Good Student Discount.
Taking a special driver's refresher course can sometimes save older drivers money on their insurance. Talk to your agent to find out if this discount is available through your company.
Older cars with little or no value in the Kelly Blue Book should not be covered by collision or comprehensive insurance. In fact, the value of your car goes down every year, so you should lower your collision and comprehensive coverage to match the value of your car.
Make your deductible higher. This is a surefire way to lower your monthly car insurance payment, but be careful not to raise your deductible so much that you can't pay it if you need to file a claim.
Lastly, you should look for at least three websites that let you compare the prices of car insurance policies from different companies. Using what you've learned in this article, you should fill out the forms on at least three websites. But make sure you fill out all three forms the same way so that the comparisons you make are meaningful.
Once you've done this, all you have to do is pick the cheapest policy and smile, smile, smile, because you now know how to get cheap car insurance in Massachusetts and save money every month!
