6 Tips to Save on Car Insurance in Sudbury Massachusetts

Finding lower rates for Sudbury car insurance is a challenge for beginners to comparison shopping online. You have so many options available that it can quickly become a big hassle to find lower rates in Sudbury.

Be sure to get all your discounts

Insurance can cost an arm and a leg, but there are discounts available to cut the cost considerably. A few discounts will automatically apply at the time of quoting, but a few must be asked about before you will receive the discount.

  • Memberships - Belonging to a qualifying organization may earn a discount when buying car insurance.
  • Payment Method - By paying your policy upfront instead of paying each month you can actually save on your bill.
  • Student in College - Youth drivers who are attending college and do not have access to a covered vehicle can receive lower rates.
  • Anti-lock Brakes - Anti-lock brake equipped vehicles can reduce accidents and will save you 10% or more.
  • Multiple Vehicles - Buying insurance for multiple vehicles on the same car insurance policy may reduce the rate for each vehicle.
  • Life Insurance Discount - Companies who offer life insurance give a discount if you purchase auto and life insurance together.

As a disclaimer on discounts, some of the credits will not apply to the entire cost. Most only cut individual premiums such as physical damage coverage or medical payments. Just because you may think having all the discounts means you get insurance for free, car insurance companies aren't that generous. Any amount of discount will bring down the amount you have to pay.

To see a list of insurers who offer car insurance discounts in Massachusetts, click here.

Comprehensive Car Insurance Comparison in Sudbury

Effectively comparing car insurance prices can be exhausting if you aren't aware of the easiest way. You can waste a lot of time discussing policy coverages with local insurance agents in Sudbury, or you could save time and use online quotes to quickly compare rates.

Many insurance companies participate in an industry program that allows shoppers to submit one quote, and every company returns a rated price based on the submitted data. This prevents consumers from doing quotation requests to each individual car insurance company.

To submit your quote information now, click to open in new window.

The single downside to using this type of form is that consumers can't choose which carriers you want pricing from. So if you want to select specific insurance companies to request quotes from, we put together a list of car insurance companies in Massachusetts. Click to view list.

However you get your quotes, double check that you are using identical coverage information with each company. If you enter unequal deductibles or liability limits it's not possible to make an equal comparison in Sudbury. Slightly different coverages can make a big difference in price. It's important to know that quoting more helps locate the best offered rates.

Is there truth in advertising?

Allstate, GEICO and Progressive continually stream television and radio advertisements. All the companies have a common claim about savings after switching to them. How does each company make the same claim?

All the different companies can use profiling for the type of driver that is profitable for them. For instance, a profitable customer could be between 30 and 50, has no tickets, and drives less than 10,000 miles a year. Any new insured that hits that "sweet spot" will qualify for the lowest rates and is almost guaranteed to save when switching.

Potential insureds who don't measure up to these standards must pay more money and this can result in business going elsewhere. The ad wording is "customers that switch" but not "drivers who get quotes" save money. That's why companies can truthfully advertise the way they do.

This illustrates why drivers must get quotes from several different companies. It's just too difficult to predict the company that will provide you with the cheapest rates.

The best insurance company isn't always the cheapest

Cheap car insurance can be bought from both online companies and with local Sudbury insurance agents, so compare prices from both to have the best chance of lowering rates. Some car insurance companies do not offer the ability to get a quote online and usually these small, regional companies provide coverage only through local independent agents.

Drivers change insurance companies for a number of reasons such as questionable increases in premium, unfair underwriting practices, not issuing a premium refund or policy cancellation. Regardless of your reason, choosing a new insurance company is actually quite simple.

As you go through the steps to switch your coverage, it's very important that you do not reduce coverage to reduce premium. In too many instances, an insured dropped collision coverage and learned later that the savings was not a smart move. Your focus should be to purchase a proper amount of coverage at a price you can afford while not skimping on critical coverages.

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More Massachusetts car insurance information

Additional information is located on the Massachusetts Division of Insurance website located here. Consumers can find out which companies have the most complaints, view a list of available companies, and read enforcement actions against agents and companies.