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Almost every driver wants to get affordable insurance in Massachusetts, and virtually no driver wants to pay more for their insurance than they have to.

Luckily there are several things that almost every driver can do that will save them money over what they are currently paying. So no matter what you are paying for your insurance now - listen up, because in all probability one or more of the following suggestions will apply to you and you will end up saving money month after month on your insurance.

Let's start with an easy one - garaging your car at night. If you can keep your car in a garage at night you will save money on your insurance.

Pay premiums each month automatically out of your checking account.

Probably the biggest determinant of how much you pay for your insurance is you and your driving record. It shouldn't come as any surprise that a driver with a spotless driving record pays less than a driver with a spotty record. Even things such as speeding tickets and other moving violations will jack up your insurance rate.

If you are married have the wife placed on the policy as the primary driver and the husband as secondary driver. Women pay less for car insurance and setting up your policy this way will save you money.

A portion of your premium is probably based on the fact that you drive back and forth to work everyday. Carpool. If you can cut the number of days each month that you drive back and forth to work your insurance premiums will drop. If you stop working altogether let your agent know as this will reduce your rate further.

Along a similar theme, many people are now using public transportation as their major "car" and are leaving their vehicle parked as much as possible. If you can decrease your mileage to below 500 miles per month you may qualify for a Low Mileage Discount that could be quite substantial.

Find group insurance. Group insurance is almost always a bargain when compared to individual insurance. If your place of work doesn't offer its employees low-cost group auto insurance then ask at any groups, clubs or organizations you belong to. Many do offer it.

Students under 25 who maintain at least a 3.0 grade average can qualify for a rather nice Good Student Discount. Drivers over 55 may qualify for a special discount if they pass a driver's refresher course; ask if your insurance company offers this discount.

Don't pay for collision or comprehensive insurance for vehicles which have little or no Kelly Blue Book value. Each year, as the value of your vehicle decreases, you should also lower the amount of your collision and comprehensive insurance accordingly.

Can you increase your deductible? Increasing your deductible will have an immediate affect on your insurance rate, but you do need to be careful whenever increasing your deductible that you don't end up



promising to pay more than you can actually afford in the event of a claim.

The last thing you'll want to do is to get online and find 3 of those websites that let you make head-to-head price comparisons of insurance policies in Massachusetts. Using the information you have picked up from this article you'll need to fill out the form on all 3 of the websites in exactly the same way. It is important that you put the same information into the form on all 3 websites or your comparisons won't actually be comparing anything.

Once you have all of your price comparisons then it's a simple matter for you to choose the lowest-priced company - and you're done! You did your homework and you learned exactly how to get affordable insurance in Massachusetts and you can now sleep well each night dreaming about all the money you have saved.