Almost every driver in Massachusetts is looking for cheap car insurance. And why not? While you may have to purchase car insurance to drive on a public road in Massachusetts, there’s no sense in over-paying for your insurance. One of the surest ways of finding affordable auto insurance in the Bay State is to compare prices on reputable websites such as AutoInsuranceWorld.net.
Here are some tips to lower your car insurance premiums to save even more money:
Can you keep your car in a garage at night? If your car is not parked out in the open, available to thieves and vandals, you may be able to save money on your insurance, depending on your policy.
Can you drive less? Using public transportation as much as possible may save you money in several ways, including lowering your car insurance.
A portion of your premium is usually based on the distance you drive back and forth to work everyday. If you can carpool and cut the number of days that you drive back and forth to work each month in half, the savings on your car insurance and gas may be substantial. Reducing your driving to under 500 miles per month may qualify you for a low-mileage discount. If you stop working and thus drive less frequently as a result, you should let your agent know.
Consider making automatic payments from your bank account each month. If your insurance company doesn’t have to send out a bill each month, they may reward you by giving you a small break on your insurance.
Some companies give you a discount on your insurance if you purchase even simple anti-theft devices such as a steering wheel lock or a device to disable your fuel pump unless you hit a secret switch. Ask your agent if installing such security devices will lower your insurance costs.
If you are married, consider putting the wife on the policy as the primary driver and the husband as the secondary driver. Women generally pay less for car insurance and setting up your policy in this way may save you money.
If you have towing or car rental coverage through AAA or through a credit card, then there is no need to pay for it each month as part of your car insurance.
Young drivers should stay in school and maintain good grades. A “B” or better grade may earn a young driver a discount, depending on the policy.
Older drivers can sometimes get a break on their insurance if they take a special driver’s refresher course. Talk to your agent and see if your company offers this discount.
Older cars that have little or no Kelly Blue Book value should be removed from any comprehensive or collision coverage. In fact, your vehicle loses value each year and you should be decreasing your collision and comprehensive coverage to match your car’s declining value.
Increase your deductible. This is a sure-fire way to lower your monthly car insurance premium, but care must be taken that you don’t increase your deductible to the level that you can’t afford to pay it if you should have a claim.
If you reside in Massachusetts, start saving today by getting your free quote for cheap car insurance at the top of this page!