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 8 easy steps for how to save on car insurance in Massachusetts without skimping on coverage:
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.
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.
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 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.
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, 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.
Ask about extra discounts
In Massachusetts, MAPFRE Insurance customers who ride in or donate $50 or more to the Pan Mass Challenge may save on their car insurance. From good students to low mileage commuters, there are discounts for every type of driver. Ask your independent agent to help identify additional discounts you may qualify for.
Remember, your independent agent is a valuable resource for how to save money on car insurance in Massachusetts. You can find a Massachusetts insurance agent closest to you with our Find an Agent locator or get started right away on your Massachusetts car insurance quote!
