Learn How to Cut Costs on Taunton Car Insurance

Buying the most affordable Taunton car insurance on the web can seem to be somewhat difficult for consumers not familiar with comparing rates online. With dozens of online companies available, how can anyone have a chance to compare the different rates to find the cheapest available price?

How to Get Car Insurance in Taunton, MA

Most major insurance companies such as GEICO, State Farm and Progressive provide price estimates on their websites. Getting quotes doesn’t take much effort as you simply enter your required coverages as detailed in the form. After the form is submitted, their system will order your driving and credit reports and returns a price quote based on these and other factors.

This makes it a lot easier to compare rates but having to visit each company’s website and repetitively type in the same information can be a bit repetitive. But it’s very important to perform this step in order to find the lowest car insurance rates.

Quote rates the easy way

The quickest way to compare car insurance pricing is to use a quote form that gets prices from a lot of companies. It saves time, helps eliminate reptitive entry, and makes online quotes much more efficient. As soon as the form is sent, your coverage is rated and you are able to buy your choice of the price quotes you receive. If a lower price is quoted, you can click and sign and buy the new coverage. This process can be completed in a matter of minutes and may result in a nice savings.

In order to compare rates now, simply click here to open in new window and enter your vehicle and coverage information. If you currently have coverage, we recommend that you enter the coverages exactly as they are listed on your policy. This guarantees you’re receiving a fair comparison for similar insurance coverage.

Good Decisions Result in Lower Rates

Consumers need to have an understanding of the factors that go into determining the rates you pay for car insurance. When you know what positively or negatively controls the rates you pay allows you to make educated decisions that can help you get better car insurance rates.

Don’t cancel a policy without a new one in place – Letting your insurance expire is a sure-fire way to trigger a rate increase. Not only will rates go up, getting caught without coverage can result in a revoked license or a big fine.You may then be required to file a SR-22 with the Massachusetts department of motor vehicles.
Multiple policies with one company can save – Some insurance companies give discounts to policyholders who buy several policies from them such as combining an auto and homeowners policy. Discounts can add up to 10 percent or more. Even with this discount, you still need to compare other company rates to verify if the discount is saving money.
Special features that cut premiums – Owning a car that has an advanced theft prevention system can save you a little every year. Anti-theft features like LoJack tracking devices, vehicle tamper alarm systems or GM’s OnStar system can help prevent your car from being stolen.
High credit ratings translate to low rates – A driver’s credit history is a large factor in calculating your car insurance rates. If your credit history is not that good, you could save money insuring your by improving your rating. Consumers who have excellent credit tend to be less risk to insure than drivers with lower credit scores.
Teen drivers pay high rates – Young drivers in Massachusetts tend to get distracted easily when behind the wheel so car insurance rates are higher. Older insureds are more responsible, tend to cause fewer accidents and tend to be better behind the wheel.
Proper usage rating affects rates – Driving more miles in a year’s time the higher your rate. Almost all companies apply a rate based on their usage. Vehicles used primarily for pleasure use receive lower rates as compared to vehicles used primarily for driving to work. Double check that your car insurance coverage shows the proper vehicle usage, because improper ratings can cost you money.
Having a spouse can save you money – Having a wife or husband can actually save you money when buying car insurance. It usually means you are more mature than a single person and it’s statistically proven that drivers who are married are more cautious.

Don’t miss out on these money-saving discounts

Car insurance companies don’t list every discount very well, so here is a list both the well known and the more hidden ways to save on car insurance. If you don’t get every credit you deserve, you are paying more than you should be.

Senior Discount – Mature drivers may receive reduced rates.
Homeowners Savings – Owning a house in Taunton can help you save on car insurance because maintaining a house is proof that your finances are in order.
Military Discounts – Being on active duty in the military may qualify for rate reductions.
Bundle and Save – If you insure your home and vehicles with one company you will save approximately 10% to 15%.
Distant Student – Children who attend school more than 100 miles from home and don’t have a car can be insured at a reduced rate.
Multiple Vehicles – Buying coverage for multiple vehicles on one policy can get a discount on all vehicles.
Defensive Driver – Taking a defensive driving course could cut 5% off your bill if you qualify.
Pay Now and Pay Less – If you pay your entire premium ahead of time instead of paying each month you can actually save on your bill.

It’s important to note that most discount credits are not given to all coverage premiums. Some only reduce the cost of specific coverages such as collision or personal injury protection. Just because it seems like all those discounts means the company will pay you, it doesn’t quite work that way.

Everyone needs different coverages

When buying the best car insurance coverage for your personal vehicles, there really is no “perfect” insurance plan. Your needs are not the same as everyone else’s.<img class="alignright" style="padding-top:15px" src="https://www.findnewcarinsurance.com/wp-content/uploads/ci175-31.jpg" alt="lower rates in Massachusetts” />

For example, these questions can aid in determining if your insurance needs might need an agent’s assistance.

Should I buy additional glass protection?
How do I file an SR-22 for a DUI in Massachusetts?
When should I remove comp and collision on my vehicle?
Are split liability limits better than a combined single limit?
Do I have coverage for damage caused while driving under the influence?
Am I covered if I crash into my own garage door?
Who is covered when they drive my vehicle?
Does my car insurance cover rental cars?
Does my policy cover my teen driver if they drive my company car?

If you’re not sure about those questions but you know they apply to you, then you may want to think about talking to an insurance agent. To find an agent in your area, take a second and complete this form. It’s fast, free and can help protect your family.

Won’t my local insurance agent miss me?

Some people prefer to buy from a licensed agent. Professional agents can help determine the best coverages and give you peace of mind. One of the best bonuses of getting online price quotes is you can get better rates and still have an agent to talk to.

To help locate an agent, after submitting this short form, your information gets sent to participating agents in Taunton who will battle for your insurance coverage. You never need to even leave your home because quoted prices will be sent to the email address you provide. Now that’s easy!

Selecting an insurance company needs to be determined by more than just the bottom line cost. Any agent should have no problem answering these questions:

If you have an accident, are you able to get your vehicle repaired at the shop of your choice?
What insurance company do they write the most business with?
How many years of experience in personal lines insurance coverages do they have?
If you are a high risk driver, do they have special markets for your coverage?
Will your rates increase after a single accident?
How are claims handled?
Does the agent have professional designations like CIC, CPCU or AIC?

Choose an insurance agent wisely

When finding a good Taunton insurance agent, there are a couple of different agency structures that you can select. Agencies in Taunton are categorized either captive or independent (non-captive). Both types can insure your vehicles, but it’s worth mentioning the differences since it can impact the type of agent you choose

Agency Captives

Captive agencies can only place business with one company and examples are Allstate, State Farm and Farmers Insurance. They are unable to provide prices from multiple companies so always compare other rates. They are well schooled in insurance sales and that can be a competitive advantage. Consumers frequently choose to use a captive agent mainly due to high brand loyalty and the convenience of having all coverages with one company.

Independent Agents

Independent agents are not employed by any specific company so they have the ability to put coverage with many different companies and potentially find a lower price. If your agent finds better pricing, an independent agent can move your coverage and you don’t have to find a new agent. When comparing rates, it’s recommended you include multiple independent agents for maximum quote selection. They also have the ability to place coverage with smaller companies which can save you money.

The following is a short list of independent agencies in Taunton willing to provide price quote information.

Harrington Insurance – 35 Summer St # 104 – Taunton, MA 02780 – (508) 822-1025
Costa Agency – 10 Taunton Grn – Taunton, MA 02780 – (508) 824-8660
Cavallo and Signoriello Agency – 9 Taunton Grn – Taunton, MA 02780 – (508) 824-1386
Prudential Insurance Co – 1 Taunton Grn – Taunton, MA 02780 – (508) 880-5005

For a full directory of Taunton insurance agents, please click here.

Upon receiving positive feedback to all your questions in addition to an acceptable price estimate, chances are good that you have found an insurance agency that meets your needs to service your policy.

Quote often and quote early

We just showed you quite a bit of information on how to lower your car insurance rates. The key thing to remember is the more price quotes you have, the more likely it is that you will get a better rate. Consumers could even find that the most savings is with the smaller companies.

As you prepare to switch companies, don’t be tempted to reduce needed coverages to save money. In many instances, someone dropped uninsured motorist or liability limits to discover at claim time that the small savings ended up costing them much more. The aim is to find the BEST coverage for the lowest price while still protecting your assets.

Lower-priced car insurance can be bought both online in addition to many Taunton insurance agents, so compare prices from both so you have a total pricing picture. Some car insurance companies do not provide online price quotes and these small, regional companies work with independent agents.

Additional resources for Massachusetts consumers

Even more information is located at the Massachusetts Division of Insurance website. Massachusetts consumers can learn about specific coverages, file complaints about an insurance agent or broker, learn about insurance regulations, and view agent and company licensing information.