From the billboards of the Mass Pike, all the way to Fenway Park, and from your inbox to your mailbox, car insurance advertising is everywhere. You frequently hear promises about saving money by switching to another company.
Everyone wants to save money on car insurance in Massachusetts, but what many drivers don’t realize is that their “discounted” rate may actually provide less coverage.
Here are 7 easy steps for how to save on car insurance in Massachusetts without skimping on coverage:
Bundle your insurance policies
Bundling your insurance policies with Mapfre Insurance can help simplify protection while delivering savings. When you combine eligible auto, home, or umbrella policies, you may qualify for savings to help you protect your car, home, belongings, and budget through one trusted company. Beyond potential savings, bundling your policies makes insurance easier to manage. With your policies in one place, you can spend less time tracking separate providers and more time focusing on what matters most. Your independent agent can review your coverage, identify available discounts, and help tailor your policies to fit your needs.
Mapfre Insurance combines personalized guidance, coverage, and convenient service to help you feel confident and supported. If you already have an auto or property policy with Mapfre, ask your independent agent about bundling options. You could discover an easier way to manage your insurance, maximize available discounts, and enjoy greater peace of mind for you and your family.
Ask about extra discounts
In addition to bundling your policies, Mapfre customers could benefit from various discounts, like the Good Student discount and the Student Away From Home discount. Ask your independent agent to help identify additional discounts you may qualify for.
Pay in full
Many Massachusetts insurance companies, like Mapfre, offer discounts if you pay for your insurance for the year in full at renewal instead of in monthly installments.
You may save money by signing up for auto pay as well. Massachusetts customers save more when they sign up for an account and choose e-bill and electronic delivery of policy documents.
Keep your driving record clean
It sounds simple, but it’s a factor in calculating your premium: abide by the speed limit and other traffic laws to avoid violations.
When purchasing a new car, consider how investing in newer automated safety features such as lane departure, adaptive cruise control and emergency braking could help you avoid collisions, especially on busy Boston highways.
Keep learning
Defensive driving courses provide valuable crash avoidance techniques and can help save money on car insurance. In Massachusetts, Mapfre Insurance has partnered with In Control to offer policyholders an auto discount upon completion of the safety course.
Raise your deductible
Increasing your deductible from $500 to $1,000 will likely save you a few hundred dollars a year. However, because everyone’s financial situation is different, make sure you consult your Massachusetts independent agent for advice on what options are best for you and the level of financial protection you need.
Consider value programs
You may pay a little more per month to add Accident Forgiveness to your Massachusetts auto policy, but if you do get in a qualifying accident, your premium typically won’t increase.
Similarly, you might pay a little more for loan/lease coverage, or gap insurance, but it may pay for itself in peace of mind because it could cover the gap between what you owe and the actual cash value of your car.
Remember, your independent agent is a valuable resource for how to save money on car insurance in Massachusetts. Not a Mapfre customer yet? Get a fast, free quote on your Massachusetts car insurance policy today!
