With a population of just over 90,000 people, New Bedford, Massachusetts, is a fairly small city. But it has a history of big adventure as one of the world's most important 19th century whaling ports. New Bedford citizens during those times understood what the loss of a whaling ship could mean to the community, just as residents today understand how devastating a loss of a home or an automobile can be to their own families. Having the right insurance coverages is critical to their peace of mind and financial security.
Reducing the High Costs of Insurance in New Bedford
You may face some tough obstacles when you're looking for good deals on New Bedford insurance quotes, however. According to 2007 figures from the National Association of Insurance Commissioners --the latest year from which statistics are available --Massachusetts has the sixth highest average homeowner's premium in the country at $1,023. It's not much better for auto insurance, since the state's average $981 annual expenditure for auto premium is the ninth highest in the U.S.
There are several things you can do if you're hoping to keep your premium payments for New Bedford insurance below those state averages. Do some comparison shopping among carriers to see who's offering the best premiums. Consider increasing your policy deductibles on both types of insurance.
To reduce your New Bedford insurance quotes for your vehicle, check for multi-car or family-and-car discounts if you're purchasing all of your coverage from the same insurance company. Ask what discounts you may receive on your New Bedford insurance policy premiums for installing an alarm system or for a side airbag if your car has them. If you're shopping for a new vehicle, check with insurers before you buy to see which makes and models will have the highest insurance rates.
You can use similar strategies for New Bedford insurance quotes for homeowner's insurance. See if an insurer will offer discounts for wired-in smoke detectors, a security system or a deadbolt. Don't buy too much coverage; remember, you're insuring the structure of your home, not the land on which it sits.
Smooth Sailing to New Bedford Insurance Quotes
The crews of New Bedford sailing ships followed whales all over the world and through all kinds of stormy seas. But if you're not interested in spending all your time chasing after the best deals on insurance, try NetQuote.com. Instead of making multiple calls to agents all over town, and filling out a separate form for each one, you can go to NetQuote, fill out one form and get back quotes from up to five top insurers in your area. It's the fast, easy and effective way to find the coverages that you need.