5 Excellent Ways to Pay Lower Car Insurance Cost in Haverhill, MA

Finding lower rates for Haverhill car insurance is always challenging for people who are new to buying insurance online. There are so many companies to choose from that it can quickly become a big hassle to compare prices in Haverhill.

Finding affordable coverage in Haverhill is easy if you know what you’re doing. If you are paying for car insurance now, you stand a good chance to be able to lower your premiums substantially using these tips. Although Massachusetts drivers can benefit by having an understanding of the way insurance companies market insurance on the web.

Make smart decisions and save

Smart consumers have a good feel for the different types of things that play a part in calculating the rates you pay for car insurance. Understanding what impacts premium levels helps enable you to make changes that can help you get much lower annual insurance costs.

Shown below are a few of the “ingredients” that factor into your rates.

Theft deterrents lower rates – Driving a car with a theft deterrent system can get you a discount on your car insurance. Anti-theft devices like LoJack tracking devices, vehicle tamper alarm systems or GM’s OnStar system all hinder your car from being stolen.
Bad driving skills means higher rates – Your driving record has a big impact on rates. Even a single ticket can bump up the cost forty percent or more. Drivers who don’t get tickets have lower premiums than people who have multiple driving citations. Drivers who get severe violations such as DUI or reckless driving may be required to submit a SR-22 or proof of financial responsibility with their state DMV in order to drive a vehicle legally.
Discounts for multiple policies – Most car insurance companies will award you with lower prices to people who have multiple policies with them in the form of a multi-policy discount. Even though this discount sounds good, you still need to compare other company rates to verify if the discount is saving money.
Do you know your deductibles? – Coverage for physical damage, commonly called comprehensive (or other-than-collision) and collision coverage, is used to repair damage to your car. Some instances where coverage would apply are a windshield shattered by a rock, vandalism, and windstorm damage. The deductibles are how much you are required to spend if you file a covered claim. The more money you are required to pay out-of-pocket, the bigger discount you will receive.
Your occupation can affect rates – Occupations such as judges, executives and stock brokers tend to pay the highest rates in part from high stress and lengthy work days. On the other hand, jobs such as pilots, students and retirees have the lowest average rates.
Where you live is a factor – Being located in a small town is a positive aspect when it comes to car insurance. City drivers have to deal with more traffic problems and a longer drive to work. Lower population translates into fewer accidents and also fewer theft and vandalism claims.
Liability insurance protects assets – Your policy’s liability coverage is the coverage that protects you if a jury decides you are liable for personal injury or accident damage. Liability provides you with a defense in court up to the limits shown on your policy. Carrying liability coverage is mandatory and cheap as compared to coverage for physical damage, so do not skimp.
Your age impacts your rates – Youthful drivers in Massachusetts are known to be careless and easily distracted when behind the wheel so car insurance rates are higher. Older insureds are more cautious drivers, tend to file fewer claims and tend to be better behind the wheel.

Cheap Haverhill Car Insurance Comparisons

Most companies give prices for coverage directly from their websites. Getting quotes doesn’t take a lot of time as you simply enter the coverages you want into the quote form. After the form is submitted, their system orders your credit score and driving record and quotes a price based on these factors.

Being able to quote online helps simplify price comparisons, but the process of having to visit several different sites and enter the same data into a form can be a bit tiresome and repetitive. Unfortunately, it is important to have as many quotes as possible in order to get better car insurance pricing.

A less time-consuming method to lower your rates makes use of a single form that obtains quotes from more than one company. This type of form saves time, eliminates repetitive work, and makes price shopping online much easier. Immediately after submitting the form, your coverage is rated and you are able to buy any or none of the quote results. If one or more price quotes are lower than your current rates, you simply finish the application and buy the new coverage. The entire process takes just a few minutes to complete and could lower your rates considerably.

To save time and compare rates using this form now, click here to open in new window and enter your vehicle and coverage information. If you currently have coverage, we recommend you complete the form with the limits and deductibles exactly as shown on your declarations page. This guarantees you will receive an apples-to-apples comparison using the same coverage and limits.

Don’t miss out on these money-saving discounts

Companies do not list all available discounts very clearly, so we researched some of the best known as well as the least known ways to save on car insurance.

Air Bag Discount – Vehicles equipped with air bags can qualify for discounts up to 30%.
Student in College – Youth drivers who are attending college and don’t have a car can receive lower rates.
Braking Control Discount – Vehicles equipped with ABS or steering control prevent accidents and therefore earn up to a 10% discount.
Multi-policy Discount – If you have multiple policies with the same company you may save up to 20% off your total premium.
Pay Now and Pay Less – If you pay your bill all at once rather than paying monthly you could save up to 5%.

Consumers should know that most discount credits are not given to the entire policy premium. Most only cut the price of certain insurance coverages like medical payments or collision. Just because it seems like you could get a free car insurance policy, it doesn’t quite work that way. compare rates in Haverhill MA

To choose providers with discount car insurance rates in Massachusetts, click here.

Aren’t my neighborhood agents an option?

Some people just want to visit with an insurance agent and that is OK! One of the great benefits of getting online price quotes is that you can obtain better rates but also keep your business local.

To help locate an agent, after submitting this simple form, the coverage information is submitted to insurance agents in Haverhill who will give you bids for your coverage. There is no reason to visit any agencies as quotes are delivered immediately to your email address. How cool is that?! Get lower rates AND a local agent.

Selecting a company needs to be determined by more than just the price. Here are some questions to ask:

Do they carry Errors and Omissions coverage?
Are glass claims handled on-site or do you have to take your vehicle to a repair shop?
Do they assist clients in filing claims?
Do they have advanced training designations such as CPCU, AAI, AIC, or CIC?
What insurance companies do they work with?
What will you get paid if your car is a total loss? How is that amount determined?
Does the agency provide any after hours assistance?

Independent or Captive: It’s your choice

If you’re trying to find local Haverhill agents, there are two different types of agents to choose from. Agencies in Haverhill can either be independent (non-captive) or captive.

Captive Insurance Agents

This type of agents have only one company to place business with such as AAA, Allstate and State Farm. They generally cannot provide prices from multiple companies so they are skilled at selling on more than just price. Captives are very knowledgeable on the products they sell which helps them compete with independent agents. Some consumers prefer to buy from captive agents primarily because of the brand legacy and the convenience of having a single billing for all their coverages.

Independent Insurance Agents

Independent insurance agents are not employed by any specific company so they have the ability to put coverage with multiple insurance companies and possibly get better coverage at lower prices. If your agent finds better pricing, your agent can switch companies and that require little work on your part.

When searching for an agent, it’s recommended you get quotes from at least one independent agent to have the most options to choose from.Many can place coverage with different regional companies who may have lower rates.

The following are independent insurance agents in Haverhill that are able to give rate quotes.

Lattime Insurance – 246 Essex St – Haverhill, MA 01832 – (978) 372-0113
Brian S Dempsey Insurance – 60 Bailey Blvd – Haverhill, MA 01830 – (978) 521-2000

To view a complete directory of Haverhill insurance agents, click here to link.

After getting reasonable responses for all questions you ask as well as a affordable price, you have narrowed it down to an insurance agent that can adequately provide car insurance.

More detailed Massachusetts car insurance information can be found at the Massachusetts Division of Insurance website. Massachusetts drivers can find a variety of consumer forms, discover disciplinary actions, view a list of available companies, and read consumer alerts.

A tidy conclusion

Drivers leave their current company for any number of reasons including being labeled a high risk driver, unfair underwriting practices, poor customer service or even high prices. Whatever your reason, finding the right car insurance provider can be less work than you think.

When you buy insurance online, do not sacrifice coverage to reduce premiums. In many instances, consumers will sacrifice uninsured motorist or liability limits and learned later that the savings was not a smart move. Your aim should be to purchase a proper amount of coverage at the best price, not the least amount of coverage.

We just showed you a lot of tips how to lower your car insurance rates. It’s most important to understand that the more quotes you get, the better likelihood of reducing your rate. Drivers may discover the lowest priced car insurance comes from a small local company.