If your goal is the lowest price, then the best way to find cheaper car insurance rates is to do a yearly price comparison from companies who can sell car insurance in Boston. This can be done by following these guidelines.
- First, try to learn a little about auto insurance and the measures you can take to drop your rates. Many policy risk factors that are responsible for high rates like traffic violations, accidents, and a substandard credit score can be controlled by making lifestyle changes or driving safer. Read the full article for more information to prevent high prices and find overlooked discounts.
- Second, get rate quotes from direct carriers, independent agents, and exclusive agents. Direct and exclusive agents can give quotes from a single company like GEICO or State Farm, while agents who are independent can provide prices from multiple sources.
- Third, compare the quotes to the price on your current policy and determine if there is any savings. If you find a lower rate quote and buy the policy, make sure there is no lapse in coverage.
- Fourth, notify your agent or company to cancel your current car insurance policy. Submit payment along with a signed and completed policy application for your new coverage. As soon as you receive it, safely store the certificate of insurance in your vehicle.
One key aspect of rate comparisons is that you’ll want to make sure you compare the same physical damage deductibles and liability limits on each quote and and to look at as many different insurance providers as possible. Doing this enables an accurate price comparison and plenty of rates choose from.
Shockingly, the vast majority of Massachusetts car insurance customers have stayed with the same insurance company for more than four years, and approximately 40% of consumers have never compared rates from other carriers. Many consumers in the U.S. could pocket up to $859 a year, but they don’t invest the time required to compare rates.
Best Acura TL insurance rates in Massachusetts
The companies shown below can provide comparison quotes in Massachusetts. To buy cheap car insurance in Massachusetts, it’s highly recommended you visit two to three different companies to find the lowest car insurance rates.
Insurance statistics for an Acura TL
The premium table below highlights a range of insurance rates for Acura TL models. Learning a little about how rate quotes are established can benefit drivers when making informed decisions when comparing rates.
| Model | Comp | Collision | Liability | Medical | UM/UIM | Annual Premium | Monthly Premium |
|---|---|---|---|---|---|---|---|
| TL 3.5 | $154 | $316 | $378 | $22 | $114 | $984 | $82 |
| TL 3.5 W/Technology Package | $154 | $316 | $378 | $22 | $114 | $984 | $82 |
| TL 3.7 SH AWD | $154 | $316 | $378 | $22 | $114 | $984 | $82 |
| TL 3.7 SH W/Technology Package AWD | $154 | $364 | $378 | $22 | $114 | $1,032 | $86 |
| Get Your Own Custom Quote Go | |||||||
Above prices assume single female driver age 50, no speeding tickets, no at-fault accidents, $1000 deductibles, and Massachusetts minimum liability limits. Discounts applied include claim-free, safe-driver, multi-policy, homeowner, and multi-vehicle. Price estimates do not factor in zip code location which can raise or lower premium rates noticeably.
Comparison of policy deductibles
When buying insurance, a common question is which comprehensive and collision deductibles to buy. The tables below sum up the price difference between low and high deductibles. The first rate comparisons uses a $250 comprehensive and collision deductible and the second data table uses a $1,000 deductible.
| Model | Comp | Collision | Liability | Medical | UM/UIM | Annual Premium | Monthly Premium |
|---|---|---|---|---|---|---|---|
| TL 3.5 | $292 | $512 | $334 | $20 | $100 | $1,283 | $107 |
| TL 3.5 W/Technology Package | $292 | $512 | $334 | $20 | $100 | $1,283 | $107 |
| TL 3.7 SH AWD | $292 | $512 | $334 | $20 | $100 | $1,283 | $107 |
| TL 3.7 SH W/Technology Package AWD | $292 | $590 | $334 | $20 | $100 | $1,361 | $113 |
| Get Your Own Custom Quote Go | |||||||
| Model | Comp | Collision | Liability | Medical | UM/UIM | Annual Premium | Monthly Premium |
|---|---|---|---|---|---|---|---|
| TL 3.5 | $180 | $322 | $334 | $20 | $100 | $956 | $80 |
| TL 3.5 W/Technology Package | $180 | $322 | $334 | $20 | $100 | $956 | $80 |
| TL 3.7 SH AWD | $180 | $322 | $334 | $20 | $100 | $956 | $80 |
| TL 3.7 SH W/Technology Package AWD | $180 | $372 | $334 | $20 | $100 | $1,006 | $84 |
| Get Your Own Custom Quote Go | |||||||
Data based on married male driver age 30, no speeding tickets, no at-fault accidents, and Massachusetts minimum liability limits. Discounts applied include claim-free, homeowner, safe-driver, multi-policy, and multi-vehicle. Premium amounts do not factor in garaging location in Boston which can lower or raise rates considerably.
Using the premium rates above, we can conclude that using a $250 deductible costs an average of $28 more each month or $336 annually than selecting the higher $1,000 deductible. Because you would be required to pay $750 more if you file a claim with a $1,000 deductible as compared to a $250 deductible, if you usually have at a minimum 27 months between claim filings, you would come out ahead if you opt for a higher deductible. Here’s how you can come to your own conclusion.
| Average monthly premium for $250 deductibles: | $109 |
| Average monthly premium for $1,000 deductibles (subtract): | – $81 |
| Monthly savings from raising deductible: | $28 |
| Difference between deductibles ($1,000 – $250): | $750 |
| Divide difference by monthly savings: | $750 / $28 |
| Number of months required between physical damage coverage claims in order to save money by choosing the higher deductible | 27 months |
How careless driving impacts Boston insurance rates
The chart below shows how violations and accident claims can raise Acura TL car insurance costs for each age group. The rate quotes are based on a married male driver, full physical damage coverage, $250 deductibles, and no discounts are factored in.
Rate difference between full and liability-only coverage
The illustration below illustrates the comparison of Acura TL insurance costs when comparing full coverage to liability only. Data assumes no claims or violations, $100 deductibles, single marital status, and no discounts are factored in.
When to drop comp and collision
There is no set rule to drop full coverage on your policy, but there is a general guideline. If the annual cost of having full coverage is more than about 10% of replacement cost minus your deductible, then it might be time to buy liability only.
For example, let’s say your Acura TL replacement value is $6,000 and you have $1,000 deductibles. If your vehicle is totaled, you would only receive $5,000 after paying your policy deductible. If it’s costing in excess of $500 a year for your policy with full coverage, then it could be time to drop full coverage.
There are some scenarios where dropping physical damage coverage is not in your best interest. If you still have a loan on your vehicle, you have to maintain full coverage to protect the lienholder’s interest. Also, if you don’t have enough money to buy a different vehicle in case of an accident, you should not buy liability only.
Boston Insurance Premiums are Influenced by These Factors
The best way to find cheaper car insurance is to take a look at some of the elements that come into play when calculating your car insurance rates. When consumers understand what controls the rates you pay, this enables you to make decisions that can earn you lower car insurance prices.
The itemized list below are some of the things that factor into premiums.
Gender and auto insurance costs – Over the last 30 years, statistics show women tend to be less risk to insure than men. It does not mean women are BETTER drivers than men. Females and males tend to get into at-fault accidents in similar percentages, but the males cause more damage and cost insurance companies more money. Men also tend to get higher numbers of serious violations like reckless driving and DUI. Male teenagers are the most expensive to insure so they pay the highest premiums.
The chart below illustrates the comparison of Acura TL premium costs for male and female drivers. The data is based on no violations or claims, comprehensive and collision coverage, $100 deductibles, marital status is single, and no policy discounts are applied.
Use one insurance company and save – Most larger companies will give better rates for people that buy multiple policies, otherwise known as a multi-policy discount. If you currently are using one company, consumers should still compare other Boston TL insurance rates to help guarantee you have the best rates.There is a chance you can save money by buying car insurance from a different company.
More traffic equals higher prices – Being located in a small town has definite advantages if you are looking for the lowest rates. Urban drivers regularly have traffic congestion and more time behind the wheel. Fewer people corresponds to lower accident rates and lower theft and vandalism rates.
Be proud to be claim-free – Insurance companies in Massachusetts give better rates to drivers who do not file claims often. If you’re an insured who likes to file claims you can look forward to either policy cancellation or increased premiums. Insurance coverage is intended for larger claims.
Job impacts prices – Did you know that where you work can have an impact on rates? Occupations like judges, air traffic controllers, and financial analysts tend to have the highest average rates in part from intense work situations and incredibly demanding work hours. Conversely, jobs like actors, historians and retirees pay the least.
Save money by raising coverage deductibles – The deductibles you choose are the amount of money the insured will be required to pay if a covered claim is submitted. Coverage for physical damage, termed comprehensive and collision coverage on your policy, insures against damage to your car. A few examples of covered claims could be rear-ending another vehicle, damage from fire, or theft of your vehicle. The larger the amount the insured has to pay upfront, the less your car insurance will be.
What type of vehicle do you drive? – The make and model of the vehicle you own makes a big difference in your car insurance bill. Economy passenger models generally have the cheapest insurance rates, but the cost you end up paying is determined by many additional factors.
The following data is based on a married male driver age 50, full coverage with $100 deductibles, and no discounts or violations. The chart compares Acura TL insurance premiums compared to other models of vehicles that have a range of performance rating factors.
Insurance loss probability for an Acura TL – Insurance companies use past insurance losses when they file their rates in each state. Vehicles that statistically have higher number or severity of losses will cost more to insure.
The table below illustrates the collected loss data for Acura TL vehicles. For each type of coverage, the loss probability for all vehicles compiled together is a value of 100. Percentages below 100 suggest a positive loss record, while percentage values above 100 indicate more frequent losses or larger claims.
| Specific Acura Model | Collision | Property Damage | Comp | Personal Injury | Medical Payment | Bodily Injury |
|---|---|---|---|---|---|---|
| Acura TLX 4dr 2WD | 90 | 75 | 97 | 93 | 74 | 77 |
| Acura TLX 4dr 4WD | 120 | 75 |
Empty fields indicate not enough data collected
Data Source: Insurance Institute for Highway Safety for 2013-2015 Model Years
Save with these discounts on Acura TL insurance in Boston
Some providers don’t always advertise all possible discounts in a way that’s easy to find, so the list below contains a few of the more common and the more hidden credits that may apply to you.
- Discount for Good Grades – Being a good student can earn a discount of 20% or more. Earning this discount can benefit you up until you turn 25.
- Paper-free Discount – Some of the larger companies will give a small break shop Boston car insurance on your computer.
- Braking Control Discount – Vehicles with ABS and/or traction control prevent accidents and therefore earn up to a 10% discount.
- Memberships – Participating in a qualifying organization is a good way to get lower rates when getting a Boston car insurance quote.
- Accident Forgiveness Coverage – Not necessarily a discount, but some insurance companies will forgive one accident before they charge you more for coverage if you are claim-free for a set time period.
- Pay Early and Save – If paying your policy premium upfront rather than paying in monthly installments you could save 5% or more.
- Discount for Home Ownership – Just owning your own home may trigger a policy discount on auto insurance because owning a home requires personal responsibility.
- Cautious Driver Discounts – Accident-free drivers may save up to 50% more than drivers with accident claims.
- No Accidents – Good drivers with no accidents have much lower rates compared to accident-prone drivers.
- Passenger Safety Discount – Cars that have air bags or motorized seat belts could see savings as much as 30%.
Just know that most discounts do not apply to the entire cost. A few only apply to individual premiums such as comprehensive or collision. If you do the math and it seems like adding up those discounts means a free policy, companies wouldn’t make money that way. But any discount will help lower your premiums.
The information below illustrates the comparison of Acura TL car insurance rates with and without discounts being applied to the rates. The rate quotes are based on a male driver, no claims or driving violations, Massachusetts state minimum liability limits, full coverage, and $100 deductibles. The first bar for each age group shows premium with no discounts. The second shows the rates with multi-car, multi-policy, homeowner, safe-driver, marriage, and claim-free discounts applied.
A list of companies and a summarized list of policyholder discounts are outlined below.
- Progressive offers discounts including multi-vehicle, continuous coverage, multi-policy, online quote discount, homeowner, and online signing.
- GEICO discounts include defensive driver, anti-lock brakes, five-year accident-free, multi-vehicle, seat belt use, and good student.
- State Farm offers premium reductions for passive restraint, safe vehicle, multiple policy, good student, and anti-theft.
- Esurance policyholders can earn discounts including Pac-12 alumni, Switch & Save, anti-lock brakes, online quote, and good driver.
- The Hartford may offer discounts for defensive driver, anti-theft, air bag, driver training, and bundle.
If you want affordable Acura TL insurance quotes, ask all companies you are considering which discounts they offer. Savings may not apply in your state. To see a list of providers with discount auto insurance rates in Massachusetts, click here.
Are car insurance agents obsolete?
Many drivers prefer to buy from a licensed agent and that is a smart decision Good insurance agents are trained to spot inefficiencies and will help you if you have claims. The biggest benefit of comparing insurance online is the fact that you can find cheaper premium rates and also buy local. And providing support for local agents is especially important in Boston.
To help locate an agent, after submitting this form (opens in new window), your coverage information is submitted to insurance agents in Boston who will gladly provide quotes for your insurance coverage. There is no reason to find an agent on your own because quoted prices will be sent immediately to your email address. If you have a need to get a rate quote from a specific insurance company, don’t hesitate to navigate to their website and submit a quote form there.
The following is a short list of insurers in Boston willing to provide price quotes for Acura TL insurance in Boston.
- Paul Lymneos Insurance Agency
4258 Washington St Suite 8 – Roslindale, MA 02131 – (617) 327-3870 – View Map - J J Bodner Insurance
8 Clarendon St – Boston, MA 02116 – (617) 437-9400 – View Map - Allstate Insurance: Abner Joseph
571 Dudley St Ste A – Boston, MA 02125 – (617) 442-9490 – View Map - Knapp Schenck Insurance Services
1 India St #204 – Boston, MA 02109 – (617) 742-3366 – View Map
Choosing an company should include more criteria than just a cheap quote. Here are some questions to ask:
- If independent agents, which companies do they recommend?
- Can you contact them at any time?
- Will the company cover a rental car if your car is getting fixed?
- Do they have a Better Business Bureau rating in Boston?
- Will they take your side in the event of a claim?
Boston auto insurance companies
Buying coverage from a highly-rated car insurance provider can be difficult considering how many choices there are in Boston. The ranking information in the next section may help you analyze which auto insurers to look at purchasing coverage from.
Top 10 Boston Car Insurance Companies Ranked by Claims Service
- Progressive
- USAA
- Liberty Mutual
- State Farm
- GEICO
- Titan Insurance
- Nationwide
- Allstate
- The General
- 21st Century
Top 10 Boston Car Insurance Companies Overall
- The General
- Mercury Insurance
- Titan Insurance
- The Hartford
- Progressive
- Travelers
- State Farm
- Farmers Insurance
- Safeco Insurance
- USAA
Your situation helps dictate your coverage
When it comes to choosing a policy, there really isn’t a single plan that fits everyone. Coverage needs to be tailored to your specific needs.
These are some specific questions might help in determining whether or not you would benefit from an agent’s advice.
- Should I waive the damage coverage when renting a car?
- Should I get collision insurance on every vehicle?
- How can I get the company to pay a claim?
- What companies insure drivers after a DUI or DWI?
- Why is insurance for a teen driver so high in Boston?
- What happens if I owe more than my Acura TL is worth?
If it’s difficult to answer those questions then you might want to talk to an insurance agent. If you don’t have a local agent, complete this form. It’s fast, doesn’t cost anything and can help protect your family.
One last note
Insureds leave their current company for a number of reasons such as high rates after DUI convictions, extreme rates for teen drivers, policy non-renewal or delays in paying claims. It doesn’t matter what your reason, finding a new insurance company is not as difficult as it may seem.
Affordable Acura TL insurance in Boston is available on the web and from local agencies, so get free Boston car insurance quotes from both of them to have the best chance of lowering rates. Some companies do not provide online price quotes and these small insurance companies only sell through independent insurance agencies.
We covered some good ideas how to find cheaper Acura TL insurance in Boston. The most important thing to understand is the more you quote Boston car insurance, the higher the chance of saving money. You may even find the lowest priced insurance comes from a small mutual company.
More detailed insurance information can be found in these articles:
- Comprehensive Coverage (Liberty Mutual)
- What Insurance is Cheapest for First-time Drivers in Boston? (FAQ)
- How Much are Boston Car Insurance Rates for a 20 Year Old Male? (FAQ)
- Credit and Insurance Scores (Insurance Information Institute)
- Things to Know Before you Cancel Insurance (Allstate)