Hopkinton Auto Insurance For Less Than You're Paying Now

Finding better rates for Hopkinton auto insurance is hard for beginners to comparison shopping online. Drivers have so many choices that it can turn into a big hassle to locate the lowest price in Hopkinton.

It's important to get comparison quotes once or twice a year because prices are constantly changing. Even if you got the best rates last year the chances are good that you can find a lower rate today. You'll find quite a bit of inaccurate information about auto insurance online but I'm going to show you some great ways to save money.

More discounts equal less premium

Companies offering auto insurance don't list all their discounts in a way that's easy to find, so the following is a list of both the well known as well as the least known savings tricks you should be using. If you aren't receiving every discount available, you're paying more than you need to.

Save with a New Car - Buying coverage on a new vehicle can be considerably cheaper because new vehicles have to meet stringent safety requirements.
Payment Method - If you pay your entire premium ahead of time instead of paying each month you could save 5% or more.
No Claims - Claim-free drivers pay less as compared to bad drivers.
Employee of Federal Government - Being employed by or retired from a federal job could cut as much as 10% off with select insurance companies.
Life Insurance - Companies who offer life insurance give better rates if you take out life insurance.
One Accident Forgiven - A handful of insurance companies will forgive one accident before raising your premiums as long as you don't have any claims for a set time period.

As a disclaimer on discounts, most discounts do not apply to the entire cost. Most only reduce individual premiums such as collision or personal injury protection. Just because you may think all the discounts add up to a free policy, auto insurance companies aren't that generous.

To see a list of companies who offer auto insurance discounts in Hopkinton, click here to view.

Fast and Easy Hopkinton Auto Insurance Quotes

Most companies provide insurance quotes on their websites. This process doesn't take much effort as you just type in the amount of coverage you want into the quote form. Once you submit the form, the system will obtain credit information and your driving record and gives you a price quote.

Online quotes makes it a lot easier to compare rates but the process of having to visit different websites and complete many quote forms can be a bit repetitive. Unfortunately, it is important to perform this step if you want to find a lower rate.

The preferred way to find cheaper rates uses one form that obtains quotes from several different companies. It's a real time-saver, eliminates form submissions, and makes online quotes much easier to do. After sending your information, it gets priced and you can select your choice of the price quotes you receive. If a lower price is quoted, you can click and sign and purchase the new policy. The whole process can be completed in less than 10 minutes and you'll know if lower rates are available.

To find out how much you're overpaying now, click here and submit the form. If you have your current policy handy, we recommend you input identical to your current policy. This makes sure you will have an apples-to-apples comparison based on the exact same insurance coverage.

Understand what determines the rate you pay

An important part of buying insurance is that you know the different types of things that help determine the rates you pay for auto insurance. Having a good understanding of what impacts premium levels helps enable you to make changes that may reward you with much lower annual insurance costs.

The following are some of the items that factor into rates.

Proper usage rating affects rates - Driving more miles every year the more you will pay for auto insurance. The majority of insurers charge to insure your cars based upon how you use the vehicle. Cars and trucks used primarily for pleasure use get more affordable rates as compared to vehicles used primarily for driving to work. Double check that your auto insurance coverage is rated on the proper vehicle usage.
Special features that cut premiums - Driving a car with an alarm system can help bring down rates. Theft prevention features like vehicle immobilizer systems, General Motors OnStar and LoJack tracking systems all hinder car theft.
Do you have a high stress job? - Did you know your occupation can influence how much you pay for auto insurance? Jobs such as real estate brokers, business owners and dentists are shown to have the highest average rates because of high stress levels and long work days. Other jobs such as farmers, historians and performers pay the least.
Keep rates low by being claim-free - If you file claims often, you can definitely plan on either policy cancellation or increased premiums. Car insurance companies in New Hampshire award cheaper rates to insureds who do not rely on their insurance for small claims. Your insurance policy is intended for major claims that would cause financial hardship.
Big city or small town - Being located in small towns and rural areas can be a good thing when talking about auto insurance. Less people living in that area means reduced accidents and a lower car theft rate. Drivers who live in large New Hampshire cities have much more traffic to deal with and longer commute times. More time commuting translates into higher accident risk.
Pay less after the wedding - Getting married can get you a discount on your policy. It usually means you are more responsible and it's proven that drivers who are married are more cautious.
Liability coverage protects you - Liability coverage will protect you if ever you are found liable for damages caused by your negligence. Liability insurance provides you with a defense in court which can be incredibly expensive. This coverage is very inexpensive when compared with rates for comp and collision, so do not cut corners here.

Switch companies and save? Really?

Consumers in New Hampshire can't get away from ads for the lowest price auto insurance from companies such as GEICO, State Farm and Progressive. They all seem to make an identical promise about savings after switching your policy.

How can each company claim to save you money?

Insurance companies can use profiling for the right customer that is profitable for them. A good example of a desirable insured might be a mature driver, has no tickets, and has great credit. A customer getting a price quote who meets those qualifications will get the preferred rates and therefore will save when they switch companies.

Potential customers who do not match the requirements will have to pay a higher premium and ends up with the customer not buying. The ads state "customers that switch" not "everyone that quotes" save that kind of money. That's why companies can truthfully advertise the savings. Because of the profiling, drivers must get as many quotes as possible. It's impossible to know the company that will give you the biggest savings.

And the best car insurance company is...

As you prepare to switch companies, it's a bad idea to reduce coverage to reduce premium. In many instances, an insured dropped full coverage and found out when filing a claim that the small savings ended up costing them much more. The ultimate goal is to get the best coverage possible at a price you can afford.

People change insurance companies for a number of reasons such as delays in paying claims, unfair underwriting practices, high rates after DUI convictions or an unsatisfactory settlement offer. It doesn't matter why you want to switch choosing a new insurance company is actually quite simple.

Cheap auto insurance can be purchased both online in addition to many Hopkinton insurance agents, and you need to price shop both to have the best rate selection. There are still a few companies who do not provide the ability to get a quote online and most of the time these small insurance companies sell through independent agents.

More New Hampshire auto insurance information

Even more information can be read at the New Hampshire Insurance Department website. Visitors are able to file complaints about an insurance agent or broker, view a list of available companies, and read industry bulletins.