Free Guide to Saving Money on Holliston Auto Insurance Online

Paying for high-priced auto insurance can empty your savings account, especially in this economy. Comparison shopping is a great way to reduce premiums and put more money in your pocket. Insurance companies such as GEICO and Progressive all claim big savings with fancy advertisements and it is difficult to sift through the bull and take the time to shop coverage around.

Take advantage of discounts

Companies that sell car insurance do not advertise all available discounts in a way that's easy to find, so we took the time to find some of the best known and the harder-to-find discounts you could be receiving. If you aren't receiving every discount you deserve, you're paying more than you need to.

Defensive Driver - Taking part in a course teaching defensive driving skills could cut 5% off your bill and easily recoup the cost of the course.
Auto/Home Discount - When you combine your home and auto insurance with the same company you could get a discount of approximately 10% to 15%.
Passive Restraints and Air Bags - Vehicles equipped with air bags or automatic seat belts can qualify for discounts of 20% or more.
No Accidents - Drivers who don't have accidents can save substantially when compared with bad drivers.
Payment Discounts - By paying your policy upfront instead of paying each month you may reduce your total bill.
Student in College - Youth drivers who attend school more than 100 miles from home and do not have a car may qualify for this discount.

A little note about advertised discounts, some of the credits will not apply to your bottom line cost. Most only cut the price of certain insurance coverages like liability and collision coverage. So despite the fact that it appears having all the discounts means you get insurance for free, you won't be that lucky.

To see a list of insurers offering auto insurance discounts in Holliston, click here.

How to Get Cheap Auto Insurance in Holliston, MA

Finding cheaper auto insurance prices can be quick and easy. Just invest a little time to get quotes online with multiple companies. It is quite easy and can be accomplished in just a few minutes using one of these methods.

The best way to get quotes for comparison is to use a rate comparison form (click to open form in new window). This type of form eliminates the need for multiple quote forms to each individual auto insurance company. A single, simple form will return quotes from multiple low-cost companies.
A less efficient way to compare rate quotes is to take the time to go to the website for every company you want to comare to complete their respective quote request forms. For sake of this example, let's assume you want comparison quotes from , and . To find out each rate you need to spend time on each company's site and enter your information, and that's why the first method is more popular.

To view a list of companies in Holliston, click here.

However you get your quotes, make sure you use exactly the same coverages and limits on every quote you get. If you enter different deductibles it will be very difficult to determine which rate is truly the best in Holliston.

Holliston Rates are Influenced by These Factors

An important part of buying insurance is that you know the factors that go into determining auto insurance rates. Having a good understanding of what impacts premium levels enables informed choices that could result in big savings.

Do you need the policy add-ons? - There are many add-on coverages that you can get tricked into buying if you aren't careful. Insurance for roadside assistance, accidental death and term life insurance are some examples. These may sound like a good investment when talking to your agent, but if they're wasting money eliminate the coverages to reduce your premium.
Where you live can impact rates - Residing in less populated areas is a positive aspect when buying auto insurance. Lower population translates into fewer accidents. City drivers tend to have more traffic problems and longer commute times. Longer commute distances means more change of being in an accident.
Credit scores impact auto insurance rates - A driver's credit score is a huge factor in determining what you pay for auto insurance. So if your credit is lower than you'd like, you could pay less to insure your by improving your credit score. Drivers who have high credit ratings tend to be better drivers and file fewer claims than drivers who have poor credit.
Your occupation can affect rates - Did you know your auto insurance rates can be affected by your occupation? Occupations such as lawyers, social workers and dentists tend to have the highest average rates in part from high stress levels and lots of time spent at work. Other professions such as pilots, historians and homemakers receive lower rates.
Special features that cut premiums - Purchasing a vehicle with anti-theft technology or alarm system can help bring down rates. Anti-theft features like tamper alarm systems, vehicle immobilizer technology and General Motors OnStar all aid in stopping auto theft.

How to know if you need help

When choosing the right insurance coverage for your personal vehicles, there really is not a one size fits all plan. Everyone's situation is unique and your policy should reflect that. These are some specific questions can help discover whether your personal situation will benefit from professional help.

Should I rate my vehicle as pleasure use or commute?
What are the best liability limits?
Should I drop comprehensive coverage on older vehicles?
What companies insure drivers after a DUI or DWI?
What can I do if my company won't pay a claim?
Why does it cost so much to insure a teen driver in Holliston?
Should I put collision coverage on all my vehicles?

If you can't answer these questions, then you may want to think about talking to a licensed insurance agent. If you want to speak to an agent in your area, fill out this quick form or go to this page to view a list of companies. It only takes a few minutes and may give you better protection.

Are auto insurance companies telling the truth?

Massachusetts drivers can't get away from ads for car insurance savings by 21st Century, Allstate and State Farm. All the companies have a common claim about savings if you switch to their company.

How can each company say the same thing? This is how they do it.

All the different companies have a preferred profile for the driver that is profitable for them. For example, a profitable customer might be profiled as between the ages of 40 and 55, has no prior claims, and chooses high deductibles. A propective insured that hits that "sweet spot" will qualify for the lowest rates and most likely will save when they switch companies.

Potential customers who don't qualify for the requirements must pay a higher premium and this can result in business not being written. The ad wording is "drivers who switch" not "people who quote" save that much. This is how companies can truthfully state the savings. This illustrates why drivers must get quotes from several different companies. It's not possible to predict which insurance companies will give you the biggest savings.

A tidy conclusion

Cheaper auto insurance is available on the web and also from your neighborhood Holliston agents, so you should be comparing quotes from both to have the best rate selection. Some insurance companies may not provide the ability to get a quote online and usually these regional insurance providers provide coverage only through local independent agents.

When buying insurance coverage, it's a bad idea to reduce coverage to reduce premium. There are a lot of situations where consumers will sacrifice physical damage coverage only to discover later that their decision to reduce coverage ended up costing them more. The proper strategy is to purchase a proper amount of coverage for the lowest price while not skimping on critical coverages.

In this article, we covered a lot of techniques to compare auto insurance prices online. The key thing to remember is the more companies you get rates for, the better likelihood of reducing your rate. Consumers could even find that the lowest priced auto insurance comes from a smaller regional carrier. These smaller insurers may cover specific market segments cheaper than their larger competitors like .

Learn more about auto insurance in Massachusetts

Even more information can be found at the Massachusetts Division of Insurance website. Massachusetts drivers can discover disciplinary actions, view agent and company licensing information, find out industry alerts, and read industry bulletins.