Choice Auto Express

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  • What is auto insurance?

  • Auto insurance protects you against financial loss if you have an accident. It is a contract between you and the insurance company. You agree to pay the premium and the insurance company agrees to pay your losses as defined in your policy.
  • Why do you need auto insurance?

  • It’s really all about protecting yourself financially.
  • If you’re in an accident or your car is stolen, it costs money, often a lot of money, to fix or replace it.
  • If you or any passengers are injured in an accident, medical costs can be extremely expensive.
  • If you or your car is responsible for damage or injury to others, you may be sued for much more than you’re worth.
  • Not only is having insurance a prudent financial decision, many states require you to have at least some coverage.

How to Save Money on Your Auto Insurance

It is essential for all drivers in the Springfield, Westfield, and Holyoke areas to have sufficient car insurance. However, cost is one major obstacle that prevents many drivers from getting the car insurance they need. Fortunately, the cost of premiums can fluctuate depending on several factors. If you're a driver in Western Massachusetts, read this article to learn how you can save money on car insurance without skimping on quality.

How can I get cheap car insurance?

With the average comprehensive policy now costing £783 a year**, it's more important than ever to shop around and compare prices. Even while you compare, there are things you can change that may help you get cheaper insurance:

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Consider the car you drive Light blue icon of a car with dark blue wheels

More powerful cars tend to have more expensive accidents, can be pricier to repair and fall into higher insurance groups. Older cars with more miles on the clock, smaller engines and lower price tags usually fall into lower insurance groups.

Increase your voluntary excess Icon representing a driving licence

Prices may change if you're willing to a pay a little more towards any claims. Make sure to also consider any compulsory excess listed on a policy, as you'll need to have funds available to cover the total policy excess.

Add a named driver Icon of two people

Adding an experienced driver to your policy can lower prices. You should always list the person who drives the car most often as the main driver, and any occasional drivers as additional.

Extra security Icon of a question mark

Increasing the security of your car above the standard manufacturer level can help, but even basics like parking off-road can affect prices.

No-claims bonus Icon of a piece of paper with writing on it

Building up a no-claims bonus can help shave pounds off your premium.

Telematics Icon representing black box insurance

If you're a young or inexperienced driver, black box policies can make insurance more affordable.

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