With 2012 right around the corner, many of us are dreading the credit card bills that can hit us hard after the holiday season. While there may be many resolutions you aspire to achieve in the coming year, one that MassDrive can help with is saving you money on your auto insurance without adding risk to your everyday life.
At this time of year, expenses are at their highest for most people, which forces them to be more thrifty in their everyday life. For many drivers, they turn to their auto insurance policy to cut corners. Lowering coverage or selecting only liability are definitely effective in lowering the price of an auto policy, but they also limit the driver should there ever be an incident. Luckily, these are not the only ways to save money on your MA auto insurance rates.
The majority of drivers are unaware of the numerous auto insurance discounts that are available to them when it comes to their auto policy. By doing some research and asking your auto insurer, you can start off the new year on the right foot and get cracking on that save money resolution for 2012:
One popular way to save money is by combining an auto and home policy with the same insurance carrier. This typically results in up to a 5-12% total savings on the policy while also making it more convenient for the insured by having all of their information in one location.
Other common insurance discounts can be applied if the insured is willing to: pay in full, list multiple cars on the policy, or by having low mileage on their vehicle. These factors typically result in a discount of up to 5-10%.
An increasing amount of carriers are now also giving discounts for drivers who choose to shop for insurance early. Insurance companies believe that drivers who apply early are more responsible and more likely to make payments on time. These drivers are rewarded with up to a 5-10% discount depending on the date which they apply for insurance. To receive this discount, drivers must commit to a policy at least seven days before the effective date, depending on the carrier.
Going green can also save you some green! Many carriers, including Progressive, offer discounts of up to 3% for those that are willing to go paperless. This saves trees and money, so what’s not to love about this discount? AAA or motor club members are also eligible for a discount, which varies by carrier but is roughly 5%.
Have a child that is away at school? If they are listed on their parent’s insurance, their policy may qualify for the student away at school discount. Full time students can also help their parents save money by maintaining a GPA of 3.0. Both situations allow for up to a 5-10% discount to be applied to the policy.
During this time of year, finances are especially tight for many drivers; however, utilizing these tips will help you ring in the New Year by saving on your Massachusetts auto policy! By asking your agent about these auto insurance discounts, you will be on your way to successfully completing one resolution!
Snow driving is one of the hallmarks of residing in Massachusetts. For some, driving in the snow is the next great adventure, for others, it’s a terrifying experience. Wherever you fall on the spectrum, there’s no denying that snow plows are a lifesaver during a storm. Helping remove snow and ensure safety, snow plows make it possible to get around during the winter months.
Plowing is done according to a hierarchy of importance – small public alleys, side streets and dead ends are the last to be plowed, so be sure to watch out if you live on any of these routes and plan accordingly during storms!
Keep your distance, don’t assume plow drivers can see you. Their field of vision is limited – in addition to the blind spots of a traditional car, the snow that a snow plow stirs up may also limit the driver’s visibility. To be safe, stay 70 feet (4 car lengths) from the plow truck so the driver can see you.
Use extreme caution when passing a plow. There are no laws prohibiting drivers from passing a snow plow on the road, but it is extremely dangerous to do so. The wing plow blades of any given truck can extend 2 to 10 feet beyond the width of the truck, and are often hard to see because of the snow they push to the sides while plowing. Sometimes weighing as much as a compact car, you don’t want to hit one of these guys. If you must, snow plows push snow to the right, so avoid passing them on this side.
Turn on your lights. See and be seen by keeping your headlights on while driving in the snow.
Following these tips will help you drive safely and soundly around plows this winter, however, accidents do happen especially in winter conditions. If you do get in an accident, the Massachusetts Department of Transportation recommends that you assess the scene – is anyone hurt? Are you stranded? If so, or if if you feel you need to, call 911. If possible, move your vehicle off the road to clear the way for other drivers, and stay in your vehicle – it is safer than being outside during a storm. If it is dark, make sure to keep your light on with the engine running, but make sure to crack a window to keep fresh air circulating through your car – you never know if your exhaust pipe is blocked. If it’s light out, turn off your engine. Keep your circulation moving while you’re in the car by moving around and huddling for warmth, and if need be – make your car visible to rescuers. If you get in accident with another vehicle, make sure to exchange information, including your auto insurance information to settle any damage claims.
Driving in the snow can be dangerous, but sometimes it is necessary. When driving in a storm with plows, keep these tips in mind. Stay safe this winter!