Top 6 Ways You Can Buy Car Insurance for Less in Newton Highlands

If you're new to shopping for car insurance online, it's easy to get confused by the sheer number of car insurance companies all offering big savings in Newton Highlands.

It's important to compare prices occasionally since rates are constantly changing. Just because you found the best deal a year ago a different company probably has better rates today. Starting now, forget anything you know (or think you know) about car insurance because we're going to show you the proper way to find lower rates on car insurance.

If you currently have car insurance, you will be able to save some money using these methods. Buying affordable protection in Newton Highlands is simple if you know the tricks. But Massachusetts consumers do need to know how insurance companies sell online and take advantage of how the system works.

Save big with these six discounts

The cost of insuring your cars can be expensive, but discounts can save money and there are some available that you may not know about. Some discounts apply automatically when you complete an application, but some must be specifically requested before they will apply.

  • College Student - Youth drivers who live away from home and do not have access to a covered vehicle may qualify for this discount.
  • Anti-theft System - Vehicles with anti-theft systems help deter theft and qualify for as much as a 10% discount.
  • Homeowners Savings - Owning a house in Newton Highlands can save you money due to the fact that maintaining a home requires personal responsibility.
  • Payment Method - By paying your policy upfront instead of monthly or quarterly installments you could save up to 5%.
  • Life Insurance Discount - Select insurance companies reward you with better rates if you take out life insurance from them.
  • Clubs and Organizations - Being a member of a civic or occupational organization may earn a discount on car insurance.

Drivers should understand that some credits don't apply to your bottom line cost. Most cut the cost of specific coverages such as liability, collision or medical payments. So even though it sounds like you would end up receiving a 100% discount, companies wouldn't make money that way. But all discounts will reduce your overall premium however.

Newton Highlands car insurance comparison

But I don't know anything about car insurance

When it comes to buying proper insurance coverage for your vehicles, there really is not a "best" method to buy coverage. Everyone's needs are different.

These are some specific questions might point out if your situation may require specific advice.

  • What are Massachusetts no-fault laws?
  • Do I need special endorsements for business use of my vehicle?
  • Does my policy cover my teen driver if they drive my company car?
  • Are my tools covered if they get stolen from my vehicle?
  • What happens if I owe more than my vehicle is worth?
  • Do I qualify for additional discounts?
  • Why am I required to get a high-risk car insurance policy?

If you can't answer these questions but a few of them apply, then you may want to think about talking to an insurance agent. If you don't have a local agent, take a second and complete this form.

Car insurance ads bend the truth

Car insurance companies such as Progressive, GEICO, Allstate and State Farm continually stream ads on TV and radio. They all seem to have a common claim that you'll save big after switching your coverage to them. How can each company claim to save you money?

Different companies have a certain "appetite" for the type of customer that earns them a profit. An example of a desirable insured might be over the age of 50, owns a home, and has excellent credit. Any new insured that hits that "sweet spot" gets the lowest rates and most likely will save when they switch companies.

Consumers who fall outside the requirements will have to pay higher rates and this can result in the customer not buying. The ads say "people who switch" not "people who quote" save that much money. That is how companies can make those claims.

Because of the profiling, drivers should compare many company's rates. It's just too difficult to predict which company will have the lowest rates.

Much more information about car insurance in Massachusetts is available on the Massachusetts Division of Insurance website through this link. Visitors are able to read enforcement actions against agents and companies, read consumer alerts, and get help finding coverage.

Newton Highlands car insurance quote

Shop smart and save

While you're price shopping online, it's not a good idea to skimp on coverage in order to save money. There are many occasions where an insured cut liability limits or collision coverage only to find out they didn't purchase enough coverage. Your aim should be to purchase plenty of coverage at an affordable rate.

Budget-conscious car insurance can be sourced both online as well as from independent agents in Newton Highlands, and you should be comparing both to get a complete price analysis. Some companies don't offer you the ability to get quotes online and most of the time these smaller companies sell through independent agents.

Drivers change insurance companies for many reasons like not issuing a premium refund, policy cancellation, an unsatisfactory settlement offer and even unfair underwriting practices. Whatever your reason, finding the right car insurance provider is less work than it seems.