Almost every driver wants to get affordable automobile insurance in Massachusetts, and virtually no driver wants to pay more for their insurance than they have to. Luckily, there are several things that almost every driver can do to save money over what they are currently paying.
So, no matter what you are paying for your automobile insurance now – listen up because, in all probability, one or more of the following suggestions will apply to you, and you will save money month after month on your automobile insurance. Let’s start with an easy one – garaging your car at night. If you can keep your vehicle in a garage at night, you will save money on automobile insurance.
Pay premiums each month automatically out of your checking account.
Your driving record is probably the biggest determinant of how much you pay for your automobile insurance. It shouldn’t come as any surprise that a driver with a spotless driving record pays less than a spotty one. Even speeding up moving violations will jack up your insurance rate. If you are married, have the wife placed on the policy as the primary driver and the husband as the secondary driver. Women pay less for car insurance, and setting up your policy this way will save you money.
A portion of your premium is probably because you drive back and forth to work every day. Carpool. If you can cut the number of days you drive back and forth to work each month, your insurance premiums will drop. If you stop working, let your agent know, as this will reduce your rate further. Along a similar theme, many people now use public transportation as their major “car” and are leaving their vehicles as much as possible. If you can decrease your mileage to below 500 miles per month, you may qualify for a Low Mileage Discount that could be quite substantial.
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Find group insurance. Group automobile insurance is almost always a bargain compared to individual automobile insurance. If your workplace doesn’t offer employees low-cost group auto insurance, ask about any groups, clubs, or organizations you belong to. Many do offer it. Students under 25 who maintain at least a 3.0 grade average can qualify for a rather nice Good Student Discount.
Drivers over 55 may qualify for a special discount if they pass a driver’s refresher course; ask if your insurance company offers this discount. Don’t pay for collision or comprehensive vehicle insurance with little or no Kelly Blue Book value. As the vapor vehicle’s values increase each year, you should also lower the amount of your collision and comprehensive insurance accordingly.
Can you increase your deductible? Increasing your deductible will have an immediate effect on your automobile insurance rate. Still, it would help if you were careful when increasing your deductible so that you don’t promise to pay more than you can afford in the event of a claim. The last thing you’ll want to do is to get online and find 3 of those websites that let you make head-to-head price comparisons of automobile insurance policies in
Massachusetts. Using the information you picked up from this article, you’ll need to fill out the form on all three websites similarly. You must put the same information into the form on all three websites, or your comparisons won’t be comparing anything.
Once you have all of your price comparisons, it’s simple for you to choose the lowest-priced company – and you’re done! You did your homework, learned exactly how to get affordable automobile insurance in Massachusetts, and you can now sleep well each night dreaming about all the money you have saved.
