1.    Shop around for insurance quotes: If you are keen on getting cheap auto insurance rates, then you need to shop around. Unless you make a comprehensive market research you will not be able to compare and contrast quotes of different companies. Prices vary according to various insurance companies and you need to check what prices are offered to you depending on the amount of coverage that you need.

2.    Select a high deductible: Deductible is an amount that you need to pay out-of-pocket when you file a claim, before the insurance company starts paying off. If you select a higher deductible, then you may be offered low premium rate as the insurance company needs to pay less during an emergency. But make sure that you do not choose a deductible that is beyond your capability.

3.    Look for discount for safety devices: Most auto insurance company offer discount for safety devices installed in a car. If you have a car alarm, anti-lock brakes, anti-theft devices or airbags, you may qualify for discount auto insurance premiums. These safety devices will ensure that your car is not much prone to theft or any kind of road accidents. Thus, if you want to save money on your auto insurance premium, then install anti-theft devices in your car.

4.    Discounts for multiple policies: If you’ve got more than one vehicle, then look for purchasing auto insurance policy for multiple cars. There is a discount for people who insure more than one vehicle from one insurer. Or you may even qualify for a discount if you purchase all kinds of insurance from a single insurer. Look for such discounts.

Thus, if you’re a car insurance shopper, then consider the points mentioned above in order to save money on your auto insurance policy. Shop around to get cheap auto insurance rates.

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Massachusetts auto insurance laws have set standard minimum vehicle insurance requirements for liability premiums. However, due to the higher cost of living and typically all around expensive state, offers some of the lowest auto insurance coverage amounts on liability premiums required in the US. Moreover, Massachusetts auto insurance consumers are always recommended to research and consider obtaining higher premiums and coverages when shopping for car insurance. In most auto accidents, damages and medical bills usually go over the state’s bare minimum car insurance requirements.

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A smart consumer will be able to comprehend that the state’s Department of Insurance recommends researching and comparing insurance policies, due to the simple fact that the insurance laws of Massachusetts allow insurance providers to calculate their own insurance rates per individual, based on prior insurance histories from all insurance companies.

Despite a new provision to make insurance mandatory, Nygren believes increases in premiums will have the unintended consequence of forcing many more people to drive without insurance than is the case now. “The basis for people to be able to buy insurance is their cost, and what’s going to be coming out of their pockets,” said Nygren. “People are struggling, they’re going to be making decisions about what they can afford.”

But state Insurance Commissioner Sean Dilweg said premium changes have been all over the board. “I would caution against doing anything extreme at this time,” Dilweg told members of the Assembly Commitee on Insurance on Tuesday. “This was just put in place four months ago. I think it’s worth seeing how this pans out over the next few years.”

The bill from Nygren would not overturn the mandatory insurance requirement, but does roll back minimum liability limits and so called “stacking” provisions.

A new survey found that 42 per cent of drivers taking out auto insurance are not certain about some aspects of their policies, with 18 per cent claiming that providers deliberately set out to confuse them.

Some 17 per cent of respondents said they thought fully comprehensive meant they can drive any car and still claim on their own policy, 51 per cent have no idea what material facts are and 23 per cent are stumped by the concept of voluntary excess.

Car insurance is very complex, so this means that the wording used in policy terms and conditions can be fairly complicated.

“Some drivers struggle with the terms used in their insurance, but it’s vital that they read and understand their insurance policies so they know exactly what they are covered for.”

The Daily Mail recently recommended that those seeking a cheaper auto insurance deal make sure that they do what they can to keep premiums down, including limiting mileage, which means less time on the road and a lower chance of having an accident.

It was also advised that drivers take the Institute of Advanced Motorists test to prove to their insurer that they are a ‘good’ motorist and to lock up their car in a garage to reduce the risk of theft.

For one thing, the laws came through the budget process in the legislature and not the normal path of legislation, said Meme Fehr, of Sandeen Insurance in Hudson. Because of that unusual path to law, some of the new requirements were put in place Nov. 1 and others will become law next year.

“Wisconsin was one of three or four states that didn’t require vehicle insurance,” Fehr said last week during a discussion of the new mandates in her downtown Hudson office.

On Jan. 1, liability insurance minimums rise from $25,000 to $50,000 per person; $50,000 to $100,000 per occurrence and $10,000 to $15,000 for property damage. Liability insurance becomes mandatory next June 1.

Requiring all drivers to have insurance is not a bad thing or a big deal, she said. But the increase in uninsured and under insured motorists that went into effect Nov. 1 didn’t give insurance agencies much time to work out the kinks in the process.

Underinsured driver coverage minimums have been boosted from $25,000 per person to $100,000 and from $50,000 per occurrence to $300,000; the bottom line for uninsured motorist coverage as been hiked from $100,000 per person to $300,000.

In addition, policies issued or renewed after Nov. 1 are required to contain provision for medical payment coverage of $10,000 per person.

The rise in minimums translates into a hike in premiums for the car owner. “Don’t blame the insurance agency for the rise in costs, blame the legislator for the mandatory coverage,” Fehr said.

However, Tom Nelson (D-Kaukauna), Assembly Majority Leader, told his constituents last month that, “any premium increases are due to the business decision of insurance providers, rather than action taken by the Legislature,” according to an Associated Press story last month.

Auto owners should check with their insurance agency to determine what their coverage is and what change may be required Fehr said.