Getting Low-Cost Medford Car Insurance

Did you fall for a flashy sales pitch and buy high-priced car insurance? Believe me when I say there are lots of people in the same boat.

With consumers having so many different company options, it's nearly impossible to pick the most cost effective insurer.

Policy discounts you shouldn't miss

Properly insuring your vehicles can get expensive, buy you may qualify for discounts that you may not know about. Larger premium reductions will be automatically applied when you quote, but some may not be applied and must be specially asked for prior to getting the savings.

Claim Free - Drivers with accident-free driving histories pay less when compared to bad drivers.
Memberships - Belonging to a professional or civic organization may earn a discount when shopping for car insurance.
Homeowners Discount - Simply owning a home can save you money because maintaining a house demonstrates responsibility.
Discount for Swiching Early - Some insurance companies reward drivers for switching to them before your current expiration date. The savings is around 10%.
Passive Restraint Discount - Cars that have air bags and/or automatic seat belt systems can receive discounts up to 30%.

It's important to note that some credits don't apply to all coverage premiums. Most only reduce individual premiums such as comp or med pay. So when the math indicates all the discounts add up to a free policy, you're out of luck. But any discount will help reduce the amount you have to pay.

To see a list of insurance companies with discount car insurance rates in New York, click here.

Compare Quotes for Medford Car Insurance

The are a couple different ways to compare quotes from car insurance companies in your area. The best method to find the cheapest insurance rates involves getting comparison quotes online. This can be done using a couple different methods.

The best way to find low rates is a comparison rater form click here to open form in new window. This type of form eliminates the need for multiple quote forms for every car insurance company. Filling out one form gets you price quotes from multiple low-cost companies.
Another way to shop for car insurance online requires a trip to the website of each company to complete their respective quote request forms. For examples sake, let's assume you want to compare rates from , and . To get rate quotes you would need to take the time to go to each site to input your insurance information, which is why the first method is more popular. For a list of links to companies insuring cars in Medford, click here.

Whichever method you choose, ensure you are comparing apples-to-apples quote information on every quote you get. If the quotes have mixed coverages it will be impossible to determine which rate is truly the best in Medford. Slightly different limits may result in large price differences. Just remember that comparing more company's prices gives you a better chance of getting a better price.

Tips to Get Lower Medford Rates

An important part of buying insurance is that you know the factors that play a part in calculating your car insurance rates. When you know what positively or negatively influences your rates empowers consumers to make smart changes that will entitle you to lower car insurance prices.

Do you work long hours in a high stress job? - Careers like real estate brokers, social workers and stock brokers have the highest rates because of high stress and lengthy work days. On the other hand, occupations like actors, students and retirees get better rates.
Liability insurance protects assets - Your policy's liability coverage provides coverage when you are found to be at fault for personal injury or accident damage. It provides you with a defense in court starting from day one. Liability insurance is quite affordable as compared to coverage for physical damage, so do not skimp.
Do you know your deductibles? - The deductibles define the amount you are willing to pay out-of-pocket in the event of a claim. Insurance for physical damage to your car, otherwise known as comp (or other than collision) and collision, protects your car from damage. A few examples of covered claims are running into the backend of another car, damage from fire, and windstorm damage. The more expense you have to pay, the less your car insurance will be.
What type of vehicle do you drive? - The performance level of the car you are buying insurance for makes a big difference in determining your rates. The lowest rates are usually for low performance passenger cars, but there are many factors that impact the final cost.
How's your driving record? - A bad driving record has a big impact on rates. Drivers who don't get tickets have lower premiums than their less careful counterparts. Even a single speeding ticket can bump up the cost forty percent or more. If you have dangerous violations such as DUI or reckless driving may find they need to submit a SR-22 or proof of financial responsibility with their state motor vehicle department in order to prevent a license revocation.
Drive a safer car and pay less - Cars with high safety ratings get lower rates. The safest vehicles protect occupants better and fewer injuries means lower claim amounts passed on to you as lower rates.

Save $429 a year? Really?

Car insurance providers like Progressive, Allstate and GEICO consistently run television and radio advertisements. They all have a common claim that you can save if you change your coverage to them. But how can every company make the same claim?

All companies are able to cherry pick for the type of customer that is profitable for them. A good example of a driver they prefer could be a mature driver, has no driving citations, and chooses high deductibles. A customer that hits that "sweet spot" will get the preferred rates and is almost guaranteed to save a lot of money.

Potential customers who don't qualify for this ideal profile will be quoted a higher premium and this can result in business going elsewhere. The ads state "customers that switch" but not "drivers who get quotes" save that much money. That's the way insurance companies can state the savings.

This emphasizes why drivers must get quotes from several different companies. Because you never know which car insurance company will give you the biggest savings.

Do the work, save more money

Lower-priced car insurance can be sourced from both online companies as well as from independent agents in Medford, and you need to price shop both to have the best rate selection. Some insurance companies don't offer the ability to get a quote online and these small insurance companies work with independent agents.

We just showed you a lot of ways to compare car insurance prices online. It's most important to understand that the more price quotes you have, the more likely it is that you will get a better rate. You may be surprised to find that the best price on car insurance is with a small local company. These smaller insurers often have lower prices on specific markets compared to the large companies like .

Learn more about New York car insurance

More information can be read on the website for the New York Department of Financial Services located here. Consumers can read industry bulletins, find out which companies have the most complaints, report car insurance fraud, and learn about specific coverages.

Additional helpful sites include this online resource for car insurance quotes in New York and this list of insurance agents in Medford.