How To Get The Best Rates On Car Insurance In Massachusetts

by : Alexis Jensen

Every driver in Massachusetts needs to buy car insurance. Driving without car insurance can cause so many nightmares on so many levels, especially if you are involved in a serious accident, that driving without insurance simply is not worth the risk.

A better solution is to find ways to lower the cost of your car insurance so that you can get the best rates on car insurance in Massachusetts legally.

Let's start by asking if your place of work offers group car insurance to its employees. Many companies do, and group rates can save you a fortune. If your company doesn't offer group car insurance check with any clubs, groups or organizations you belong to; you'd be surprised at the ones that offer their members group car insurance.

Keep your car in a garage at night. Doing that simple thing can save you money each and every month.

Set it up so your premium payment is paid automatically each month out of your checking account. This will also save you money.

Ask your agent if buying (and using) a steering wheel lock will reduce your rates. Some companies gladly reduce rates for steering wheel locks and for simple devices which disengage your fuel pump unless a secret button is pressed each time you start your car.

Drive less. Many people are now using public transportation and leaving their car at home as much as possible. If you can reduce your driving to below 500 miles per month you may qualify for a rather substantial low-mileage discount.

A portion of your premium is probably based on the fact that you drive to and from work every day in rush hour traffic. If you can carpool so that you drive those miles considerably less each month then you can save money on your car insurance.

If you retire or stop driving to work for any other reason your insurance will also drop.

Drivers under 25 should stay in school and maintain good grades. A 3.0 grade average or better will earn you a rather nice Good Student Discount.

Don't make small claims. The fewer claims you make the lower your rates will be. If you can go for even 6 months without making a claim some companies will reward you. Other companies require you to wait a year, but the point is, the fewer claims you make the better your rates on car insurance will be.

Can you afford to increase your deductible? This is probably the fastest and the easiest way to decrease your monthly premium, but the downside is you will have to come up with the amount of your deductible in cash any time you have a claim. You don't want to make any promises you can't keep.

The final step in getting the best rates on car insurance in Massachusetts is to get online and find a minimum of 3 car insurance price comparison websites. Using what you have learned in this article fill out the form on all 3 websites exactly the same way. That's important. You must put the exact same information into all 3 forms or your "comparisons" won't actually be comparing anything, will they?

As soon as you've finished all of your comparisons then the rest of your "job" is a snap - simply pick the lowest-priced company and you're done! Now you know exactly how to get the best rates on car insurance in Massachusetts.