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Ways to Lower Your Car Insurance Quotes in Massachusetts

April 17, 2023


Finding car insurance quotes in Massachusetts but ultimately settling on the best price takes more work for the average consumer. Looking for savings on car insurance could get you substantially lower premiums. Shop strategically and choose your coverages wisely to find value-priced policies.

Lowing Car Insurance Quotes in Massachusetts

Here are a few innovative ways to save money on your premiums for car insurance in Massachusetts.

Bundle Car Insurance With Other Coverages

Buying one or more additional lines of coverage along with your auto insurance may entitle you to a lower-priced policy. Carriers commonly lower the coverage price to earn more business from their clients. If you have to insure other properties, such as your home or a recreational vehicle, bundling your policies might be the most affordable way to purchase coverage.

Maintain a Good Driving Record

Carriers consider many factors when assessing how much to charge individuals for car insurance in Massachusetts, and your driving record is essential. Massachusetts does not use a point-based system to rate drivers like many other states. Still, the Registry of Motor Vehicles contains comprehensive information about traffic violations such as speeding tickets or prohibited cell phone use.

If you have a problematic driving record, carriers will perceive indorsing you as a high-risk proposition. To mitigate their risk exposure, they may charge you higher premiums for coverage. Driving safely and avoiding infractions will help you qualify for reasonable rates. 

Restructure Your Policy

One of the most straightforward tips for lowering your car insurance in MA is to consider raising your premium. If you have to claim your car insurance policy, you will have to pay more out-of-pocket than you would if you kept your deductible low. However, the aggregate savings you will get from lower premiums could offset the expense. If you do not have to make a claim or pay anything towards your deductible, you will retain the entirety of the amount that you have saved by raising it. 

Lowering coverage limits is another possible route to reduce your premium. If your vehicle is older or you do not anticipate having to make claims against your policy, reducing coverage limits could be a practical option. 

Ask About Discounts on Car Insurance

Many popular carriers offer their clients discounts depending on their vehicle use. For example, driving infrequently and accumulating a relatively low total of miles driven might get you a low mileage discount. Being on the road less often means you are less likely to have an accident than drivers who commute long distances every workday, so carriers may be willing to adjust your premium accordingly.

Some insurers offer discounts to drivers who use electronic devices that monitor their safe driving habits. A component that plugs into your car’s OBD II Port can capture data about how consistently you follow traffic laws and brake safely. Alternatively, some carriers may be willing to offer you a percentage discount on your car insurance if you complete an educational course about safe driving. These incentives encourage insureds to drive safely and thereby reduce insurers’ risk.

Ultimately, drivers in Massachusetts have to be savvy to access the best rates available on insurance. Put some due diligence into your search for coverage, and work with a knowledgeable insurance agent.

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.