How to Save on Car Insurance in Boston

The recommended way to get low-cost car insurance rates is to make a habit of regularly comparing prices from companies in Boston.

Step 1: Spend some time learning about car insurance and the modifications you can make to prevent rate increases. Many rating criteria that cause rate increases like inattentive driving and an unacceptable credit history can be amended by making minor driving habit or lifestyle changes.

Step 2: Obtain price quotes from direct, independent, and exclusive agents. Exclusive and direct companies can only quote rates from one company like GEICO or Farmers Insurance, while independent agencies can provide price quotes from multiple companies. Begin your rate comparison

Step 3: Compare the quotes to your existing policy to see if you can save by switching companies. If you find a lower rate quote and switch companies, make sure coverage is continuous and does not lapse.

An essential thing to point out is that you use the same level of coverage on every quote and and to look at as many companies as possible. Doing this provides an accurate price comparison and a complete price analysis.

Everyone knows that insurance companies don’t want you shop around. Drivers who shop around for cheaper rates will, in all likelihood, switch to a new company because there is a great chance of finding a policy with better rates. A recent study showed that consumers who compared price quotes annually saved about $72 a month as compared to drivers who never compared rates.

If finding the lowest price on auto insurance is why you’re here, learning how to shop and compare cheaper coverage can save money and time.

This article will let you in on how insurance works and how to save the most money. If you’re already insured, you will definitely be able to cut your premiums using the tips covered below. Consumers only have to learn the most effective way to compare different rates on the web.

Getting a more affordable price on insurance is not a difficult process. The only requirement is to take a few minutes comparing price quotes provided by online insurance companies.

The companies shown below can provide free quotes in Massachusetts. If you wish to find cheap auto insurance in Massachusetts, we suggest you get rate quotes from several of them to get the lowest price.

Data rating is based on single female driver age 50, no speeding tickets, no at-fault accidents, $250 deductibles, and Massachusetts minimum liability limits. Discounts applied include multi-policy, claim-free, multi-vehicle, homeowner, and safe-driver. Rates do not factor in vehicle garaging location which can change coverage prices greatly.

Three reasons insurance is important

Despite the potentially high cost of insurance, insuring your vehicle is required by state law in Massachusetts and it also provides benefits you may not be aware of.

• Almost all states have compulsory liability insurance requirements which means you are required to carry a minimum amount of liability insurance coverage in order to be legal. In Massachusetts these limits are 20/40/5 which means you must have $20,000 of bodily injury coverage per person, $40,000 of bodily injury coverage per accident, and $5,000 of property damage coverage.
• If your vehicle has a loan, more than likely the lender will make it a condition of the loan that you carry insurance to ensure they get paid if you total the vehicle. If you default on your policy, the bank may insure your vehicle at a much higher premium rate and force you to pay for it.
• Insurance preserves your vehicle and your assets. It will also cover all forms of medical expenses for not only you but also any passengers injured in an accident. Liability coverage, the one required by state law, will also pay for a defense attorney if you are named as a defendant in an auto accident. If your vehicle suffers damage from an accident or hail, comprehensive (other-than-collision) and collision coverage will pay to restore your vehicle to like-new condition.

The benefits of insuring your vehicle definitely exceed the cost, particularly if you ever have a claim. The average driver in America is currently overpaying as much as $830 a year so smart consumers compare quotes once a year at a minimum to ensure rates are inline.

Verify you’re receiving every discount

Companies offering auto insurance do not advertise every policy discount in a way that’s easy to find, so the next list breaks down a few of the more common as well as some of the hidden ways to save on car insurance. If you don’t get every credit possible, you’re just leaving money on the table.

• No Accidents – Insureds with no claims or accidents pay much less as compared to policyholders that have many claims.
• Defensive Driving Course – Completing a safe driver course could possibly earn you a 5% discount and easily recoup the cost of the course.
• Early Payment Discounts – If you pay your entire premium ahead of time as opposed to paying monthly you may reduce your total bill.
• Student Driver Training – Require your teen driver to successfully take a driver’s education course if it’s offered in school.
• Savings for New Vehicles – Insuring a new car is cheaper due to better safety requirements for newer models.
• Include Life Insurance and Save – Larger insurance companies have a discount if you purchase a life insurance policy as well.
• Federal Employees – Active or retired federal employment can save as much as 8% with a few car insurance companies.
• First Accident Forgiveness – This one is not really a discount per se, but some companies like Allstate and GEICO permit an accident without getting socked with a rate hike if you are claim-free for a set time period.
• Driving Data Discount – Policyholders that allow data collection to scrutinize driving habits by using a small device installed in their vehicle like Allstate’s Drivewise might see lower rates if they exhibit good driving behavior.

Discounts reduce rates, but you should keep in mind that some of the credits will not apply to all coverage premiums. Some only apply to the price of certain insurance coverages like physical damage coverage or medical payments. Just because it seems like all those discounts means the company will pay you, you aren’t that lucky.

Some of the larger companies that possibly offer some of the above discounts may include but are not limited to:

• Farmers Insurance
• State Farm
• Liberty Mutual
• MetLife
• Progressive

When getting free Boston auto insurance quotes, it’s a good idea to every company which discounts can lower your rates. Discounts may not be available in Boston. To view providers who offer cheap car insurance quotes in Boston, follow this link.

Which policy gives me the best coverage?

When quoting and choosing the right insurance coverage for your personal vehicles, there really is no best way to insure your cars. Your needs are not the same as everyone else’s.

These are some specific questions could help you determine if your insurance needs might need professional guidance.

• Is my teenager covered with friends in the car?
• Can I pay claims out-of-pocket if I buy high deductibles?
• Can I afford low physical damage deductibles?
• Does coverage extend to a rental car in a foreign country?
• How can I find cheaper teen driver insurance?
• Why are teen drivers so expensive to add on to my policy?
• Is my son or daughter covered when driving my car?
• When should I have rental car coverage?

If it’s difficult to answer those questions, you might consider talking to a licensed insurance agent. To find lower rates from a local agent, fill out this quick form. It only takes a few minutes and can provide invaluable advice.

Boston auto insurance company ratings

Ending up with a highly-rated company can be rather challenging considering how many different companies sell coverage in Boston. The company information shown below can help you select which auto insurers you want to consider comparing price quotes from.

Top 10 Boston Car Insurance Companies Overall

1. The General
2. Mercury Insurance
3. Titan Insurance
4. The Hartford
5. Progressive
6. Travelers
7. State Farm
8. Farmers Insurance
9. Safeco Insurance
10. USAA

Top 10 Boston Car Insurance Companies Ranked by Value

1. The General
2. The Hartford
3. Farmers Insurance
4. Titan Insurance
5. Mercury Insurance
6. 21st Century
7. Safeco Insurance
8. AAA Insurance
9. State Farm
10. Travelers