You must remember to shop carefully for car insurance.
There are many options available, and each insurance company offers different terms and prices.
So as you compare rates and coverage, keep these five tips in mind, as provided by the Massachusetts Attorney General's office:
- Do your research. Don't just buy car insurance based on a funny commercial or because it happens to be the first one you see. Insurance policies and prices vary, and you may want to talk to friends and co-workers for their insight. In addition, there are many resources online that can help you make your decision.
- Compare several quotes. Just as you would shop around for prices when buying a new TV or mattress, you will also want to get several quotes as you shop around for car insurance.
- Get quotes in writing. Sometimes, you may get a lower quote over the phone than what you are offered in person. Make sure that you get any promises of a low quote in writing. Also make sure that the quote includes a "coverage selections page" that shows the coverages, limits, and deductibles that you want.
- Compare quotes. After getting the quotes in writing, you should make a comparison. Make sure that you compare quotes for identical coverage. Pay special attention to coverages, limits, deductibles, and discounts that can have a big effect on prices. Even a small difference in one of these areas can make a big difference in the amount you are quoted.
- Ask about discounts. Oftentimes, insurance companies will offer discounts if you insure multiple vehicles. In addition, if you bundle other types of insurance like home insurance and life insurance, you can usually get even greater discounts. In addition, members of certain organizations like the local bar association can qualify for benefits too.
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