Did you know that car insurance is not a fixed cost? That means there are certain things that you can do now and over time that will actually lower your car insurance policy premiums. Although you do need to pay for car insurance, you certainly don’t need to pay more money than is necessary. It goes without saying that the cost to operate a vehicle in the Commonwealth of Massachusetts is high. The good news is that there are ways to reduce your car insurance bill if you both know where to look and put a little bit of effort behind it.

First and foremost, it is incredibly important that you drive as safely as possible, and slow down if you happen to drive fast. Car insurance is expensive, but if you get into an automobile accident, get speeding tickets or other moving violations it can become incredibly expensive. That means you need to drive safer and slower in order to avoid accidents and tickets. If you already have moving violations on your driving record, it is important to avoid further tickets. This is due to the fact that each and every moving violation will cost you more money on your car insurance policy for a three (3) year period of time.

For example, if you get a speeding ticket it may end up costing you $100/year x 3 years = $300 in additional car insurance policy costs. Just think about what else you could do with that same $300. On the good side of things, the moving violation will drop off of your driving record after three (3) years, so you do have an opportunity to get your car insurance costs back down to normal. The automobile that you drive also makes a tremendous difference regarding your car insurance rates, so you should pay attention to this when shopping for a new car. Expensive sports cars cost the most money to insure, and any luxury vehicle will be more expensive to insure when compared to a non-luxury brand.

It’s always a good idea to check with your insurance agent before buying or leasing a car to check on the differences in insurance rates for vehicles that you may be interested in. In addition to the type of car that you own or lease and the cost of the vehicle, it is smart to choose cars that are full of safety features because those safety features may very well result in a lower car insurance bill. Once gain, if you are car shopping, get a list of safety equipment that will lower your car insurance premium from your insurance agent.

When you have that list in hand take it to the dealership and compare it against the vehicles that you are interest in. It may even be worth it to buy or lease a vehicle with an upgrade package.

If you own and operate an automobile in the Commonwealth of Massachusetts you need to ensure that you have the proper car insurance policy in place. Please consult with a professional insurance agent that can answer your questions about all insurance related topics. It is important to fully understand exactly what you are buying when it comes to insurance policies. If you have any questions, please call (508) 831-0133 to contact an associate at Zawada Insurance. We are happy to walk you through the details of your insurance policies and explain your coverage options.

We look forward to helping you with all of your personal and or business related insurance needs now and in the future.