Proven Ways to Save on Andover Car Insurance

Expensive car insurance can empty your bank account and make it impossible to make ends meet. Comparison shopping is free, only takes a few minutes, and is a good way to tighten up your finances. Multiple compete for your insurance dollar, and because of this it can be hard to compare and uncover the absolute lowest rate

It's important to take a look at other company's rates yearly because rates are constantly changing. Even if you got the lowest rates a year ago there may be better deals available now. Starting now, ignore everything you know about car insurance because you're going to learn the tricks you need to know to reduce your cost while increasing coverage.

Andover car insurance quote

Policy discounts you shouldn't miss

Car insurance companies don't always publicize every available discount in an easy-to-find place, so we break down some of the more common as well as the least known savings tricks you should be using. If they aren't giving you every credit you deserve, you're just leaving money on the table.

  • Anti-lock Brake System - Vehicles with anti-lock braking systems can reduce accidents and will save you 10% or more.
  • Life Insurance - Companies who offer life insurance give lower rates if you buy life insurance.
  • Driver Safety - Successfully completing a driver safety course could cut 5% off your bill depending on where you live.
  • New Car Discount - Buying coverage on a new vehicle can save up to 30% because new vehicles have to meet stringent safety requirements.
  • Good Student Discount - Getting good grades can earn a discount of 20% or more. This discount can apply well after school through age 25.
  • Accident Waiver - A few companies will forgive one accident without raising rates if you are claim-free for a set time period.

As a disclaimer on discounts, most discount credits are not given to your bottom line cost. A few only apply to individual premiums such as comprehensive or collision. So even though it sounds like all the discounts add up to a free policy, car insurance companies aren't that generous.

For a list of providers who offer car insurance discounts in Andover, click here to view.

Where Can I Get Cheap Andover Car Insurance?

Finding a better price on car insurance can be quick and easy. Consumers just need to spend a little time to get quotes from different insurance companies. This is very easy and can be done using a couple different methods.

One of the best ways to get quotes for comparison is a comparison rater form (click to open form in new window). This easy form eliminates the need for repetitive form submissions for each company you want a rate for. A single, simple form gets rate comparisons from multiple companies.

Another way to shop for car insurance online is spending the time to visit the website for each individual company and request a quote. For instance, let's say you want comparison quotes from , and . To get each rate you have to go to every website and enter your policy data, which is why the first method is more popular.

For a list of links to companies insuring cars in Andover, click here.

The least recommended way to get comparison rates is to spend time driving to different Andover agent offices. Buying insurance online makes this process obsolete unless you require the trained guidance that only a license agent can provide. However, consumers can compare online quotes but buy from a local insurance agent and we'll talk about that later.

It's up to you which method you use, but make sure you use the exact same information with every price quote. If your comparisons have higher or lower deductibles it's impossible to find the best deal in Andover.

Insurance agents can help

When it comes to choosing adequate coverage for your personal vehicles, there is no best way to insure your cars. Everyone's situation is a little different so your insurance should reflect that For example, these questions can help discover whether your personal situation might need professional guidance.

  • Can I get a multi-policy discount for packaging my home and auto coverage?
  • When does my teenage driver need to be added to my policy?
  • What happens if I owe more than my vehicle is worth?
  • Should I have combined single limit or split liability limits?
  • Do I need to file an SR-22 for a DUI in Kansas?
  • Should I file a claim if it's only slightly more than my deductible?
  • Does my policy cover me when driving someone else's vehicle?

If you're not sure about those questions but one or more may apply to you, you might consider talking to a licensed insurance agent. To find an agent in your area, fill out this quick form or click here for a list of car insurance companies in your area. It's fast, free and can help protect your family.

In the end, you save

While you're price shopping online, you should never sacrifice coverage to reduce premiums. Too many times, consumers will sacrifice uninsured motorist or liability limits only to regret they didn't purchase enough coverage. The aim is to buy enough coverage at a price you can afford, not the least amount of coverage.

Cheap car insurance can be purchased from both online companies and also from your neighborhood Andover agents, so compare prices from both to have the best rate selection. Some companies may not provide online quoting and many times these regional insurance providers only sell through independent insurance agents.

We just showed you some good ideas how you can get a better price on car insurance. The most important thing to understand is the more quotes you get, the better your comparison will be. You may even find the best prices are with some of the lesser-known companies. These companies may have significantly lower rates on certain market segments compared to the large companies like .