Every driver in Massachusetts needs to buy car insurance.
Driving without car insurance can cause so many nightmares on so
many levels, especially if you are involved in a serious
accident, that driving without insurance simply is not worth the
risk.

A better solution is to find ways to lower the cost of your car
insurance so that you can get the best rates on car insurance in
Massachusetts legally.

Let's start by asking if your place of work offers group car
insurance to its employees. Many companies do, and group rates
can save you a fortune. If your company doesn't offer group car
insurance check with any clubs, groups or organizations you
belong to; you'd be surprised at the ones that offer their
members group car insurance.

Keep your car in a garage at night. Doing that simple thing can
save you money each and every month.

Set it up so your premium payment is paid automatically each
month out of your checking account. This will also save you
money.

Ask your agent if buying (and using) a steering wheel lock will
reduce your rates. Some companies gladly reduce rates for
steering wheel locks and for simple devices which disengage your
fuel pump unless a secret button is pressed each time you start
your car.

Drive less. Many people are now using public transportation and
leaving their car at home as much as possible. If you can reduce
your driving to below 500 miles per month you may qualify for a
rather substantial low-mileage discount.

A portion of your premium is probably based on the fact that
you drive to and from work every day in rush hour traffic. If
you can carpool so that you drive those miles considerably less
each month then you can save money on your car insurance.

If you retire or stop driving to work for any other reason your
insurance will also drop.

Drivers under 25 should stay in school and maintain good
grades. A 3.0 grade average or better will earn you a rather
nice Good Student Discount.

Don't make small claims. The fewer claims you make the lower
your rates will be. If you can go for even 6 months without
making a claim some companies will reward you. Other companies
require you to wait a year, but the point is, the fewer claims
you make the better your rates on car insurance will be.

Can you afford to increase your deductible? This is probably
the fastest and the easiest way to decrease your monthly
premium, but the downside is you will have to come up with the
amount of your deductible in cash any time you have a claim. You
don't want to make any promises you can't keep.

The final step in getting the best rates on car insurance in
Massachusetts is to get online and find a minimum of 3 car
insurance price comparison websites. Using what you have learned
in this article fill out the form on all 3 websites exactly the
same way. That's important. You must put the exact same
information into all 3 forms or your "comparisons" won't
actually be comparing anything, will they?

As soon as you've finished all of your comparisons then the
rest of your "job" is a snap - simply pick the lowest-priced
company and you're done! Now you know exactly how to get the
best rates on car insurance in Massachusetts.

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