Please ensure Javascript is enabled for purposes of website accessibility

Doing Your Research Before Buying Auto Insurance

August 1, 2022


There are plenty of things to research before buying auto insurance, which could determine how much you pay. You must own the proper MA auto insurance if you own a car in Massachusetts. Of course, you shouldn’t jump on the first policy you see; instead, you should thoroughly research all your options.

Before Buying Auto Insurance

This process can take a while, and many drivers understandably don’t want to spend their free time comparing coverage. However, putting in the effort offers several long-term benefits.

You’ll Find the Best MA Auto Insurance for Your Needs

The number one reason why you should do your research before buying auto insurance is to get the coverage you need. For example, if you use your vehicle to commute to work every day, you’ll need a different type of insurance than if you take it off-roading on the weekends. If you don’t have the right policy, you’ll pay for repairs out of pocket.

You’ll Pay Less

When shopping for a car, you compare prices at dealerships to find the best deal. You should take the same approach when looking for car insurance. Ask several local agencies for quotes and let them know you’re shopping around.

Additionally, ask about discounts. Many insurance companies offer discounts for responsible driving, which can significantly cut your monthly payment. Ensure you get program details, so you understand when the discount applies, how much it is, and what happens if you get into an accident.

Finally, you must factor deductibles into your decision. A low monthly payment is attractive when trying to save money, but if the deductible is high, you’ll end up with a hefty price tag if you get into a collision. As you compare quotes, make sure to balance the premium and deductible.

You’ll Get Great Customer Service

You shouldn’t limit your auto insurance research to the policies and price — you should also look at the reviews. A company can have the lowest price and most comprehensive coverage, but if you can’t get hold of agents when you need them, the savings won’t be worth the headache. In addition to reviews, you should check Consumer Reports and the Better Business Bureau for complaints. Doing so can help you avoid shady business practices.

You’ll Avoid Holdups When Making a Claim

Everyone knows that insurance companies don’t like to pay claims, but some take it to the extreme. If your vehicle gets totaled, you don’t want to spend time arguing with a corporation. Even if the customer service representatives are polite and helpful, you’ll get nowhere if the claims process puts the company first.

You’ll Find a Company That Deserves Your Loyalty

You’ll be a customer for years when you try to find an insurance company that ticks every box. Driving will be more peaceful knowing you have taken care of the auto insurance and don’t have to worry about looking for new policies every year. That means less time spent researching overall.

About E.J. O’Neil Insurance Agency

Since 1898, E.J. O’Neil Insurance Agency has provided homeowners with reliable coverage and high-quality customer service. Today, we offer a variety of policies, including commercial, boat, automobile, homeowners, motorcycle and renters insurance. Quotes are free by phone or online request, and we can provide notary and other services at our location. We pride ourselves on caring for customers when they need it most, proving it with over $3.2 million in claims paid over 12 months. To find the right coverage for your need, call 413-594-4757 or visit us online.