Do you want a faster way to compare low-cost auto insurance rates in Boston, MA? Boston consumers have a choice when looking for the lowest priced Toyota Avalon insurance. They can either waste time calling around trying to get quotes or use the internet to make rate comparisons. There are more efficient ways to shop for auto insurance so you’re going to learn the proper way to quote coverages for a new or used Toyota and find the best price possible from both online companies and Boston agents.
You need to do rate comparisons quite often because rates go up and down regularly. If you had the best premium rates on Toyota Avalon insurance in Boston two years ago other companies may now be cheaper. You can find a lot of misleading information regarding Avalon insurance on the web, but in just a couple of minutes you can learn some proven techniques to save money.
Affordable Toyota Avalon insurance rates in Boston
Companies don’t always publicize all available discounts very well, so the next list breaks down some of the best known as well as some of the hidden discounts that you may qualify for. If you don’t get every credit available, you could be paying more than you need to.
- Resident Student – Youth drivers who live away from home to go to college and do not have access to a covered vehicle could get you a discount.
- Driving Data Discount – Boston drivers who agree to allow their car insurance company to spy on driving patterns by using a telematics device in their vehicle like Drivewise from Allstate or In-Drive from State Farm may see discounts if their driving habits are good.
- Pay Early and Save – If you pay your bill all at once rather than spreading payments over time you may reduce your total bill.
- Drive Less and Save – Maintaining low annual mileage could be rewarded with slightly better premium rates than normal.
- Life Insurance Discount – Some insurance carriers give a small discount if you purchase life insurance.
As a sidenote, most discounts do not apply to all coverage premiums. Some only apply to specific coverage prices like comprehensive or collision. Even though it appears all the discounts add up to a free policy, that’s just not realistic.
The chart below illustrates the comparison of Toyota Avalon car insurance rates with and without policy discounts. The price estimates are based on a male driver, a clean driving record, no claims, Massachusetts state minimum liability limits, comprehensive and collision coverage, and $100 deductibles. The first bar for each age group shows premium with no discounts. The second shows the rates with marriage, safe-driver, claim-free, multi-car, homeowner, and multi-policy discounts applied.
Auto insurance companies who might offer most of these discounts are:
If you are trying to find affordable Boston auto insurance quotes, ask all the companies to give you their best rates. A few discounts might not apply everywhere. To see a list of companies with discount rates in Boston, click here.
Shop Toyota Avalon insurance online
Most companies such as GEICO, State Farm and Progressive allow consumers to get coverage price quotes direct online. The process can be done by anyone as you simply enter your coverage information as requested by the quote form. After the form is submitted, their rating system makes automated requests for your driving and credit reports and returns pricing information based on many factors.
The ability to get online rate quotes for Toyota Avalon insurance in Boston makes comparing rates easy, and it is imperative to compare as many rates as possible if you want to find lower-cost rates.
To compare rates using this form now, take a look at the companies shown below. To compare your current rates, we recommend you input the limits and deductibles as close as possible to your current policy. This way, you will get a price comparison for similar insurance coverage.
The companies shown below are our best choices to provide price quotes in Boston, MA. To find the best auto insurance in Boston, we recommend you visit two to three different companies to get the lowest price.
Rates and other information
The rate table displayed next showcases estimates of insurance policy prices for Toyota Avalon models. Knowing how car insurance premiums are figured is important to be able to make smart buying decisions.
| Model | Comp | Collision | Liability | Medical | UM/UIM | Annual Premium | Monthly Premium |
|---|---|---|---|---|---|---|---|
| Avalon XL | $296 | $478 | $292 | $18 | $88 | $1,172 | $98 |
| Avalon XLS | $296 | $564 | $292 | $18 | $88 | $1,258 | $105 |
| Avalon Limited | $330 | $564 | $292 | $18 | $88 | $1,292 | $108 |
| Get Your Own Custom Quote Go | |||||||
Price data assumes married male driver age 40, no speeding tickets, no at-fault accidents, $100 deductibles, and Massachusetts minimum liability limits. Discounts applied include multi-policy, homeowner, claim-free, multi-vehicle, and safe-driver. Rate quotes do not factor in garaging location in Boston which can influence coverage prices greatly.
Insurance deductibles
One of the more difficult decisions when buying insurance is at what level do you set your deductibles. The tables below show the premium difference when you choose different physical damage deductibles. The first data set uses a $100 deductible and the second rate table uses a $1,000 deductible.
| Model | Comp | Collision | Liability | Medical | UM/UIM | Annual Premium | Monthly Premium |
|---|---|---|---|---|---|---|---|
| Avalon XL | $324 | $520 | $284 | $16 | $86 | $1,255 | $105 |
| Avalon XLS | $324 | $612 | $284 | $16 | $86 | $1,347 | $112 |
| Avalon Limited | $362 | $612 | $284 | $16 | $86 | $1,385 | $115 |
| Get Your Own Custom Quote Go | |||||||
| Model | Comp | Collision | Liability | Medical | UM/UIM | Annual Premium | Monthly Premium |
|---|---|---|---|---|---|---|---|
| Avalon XL | $180 | $274 | $284 | $16 | $86 | $840 | $70 |
| Avalon XLS | $180 | $322 | $284 | $16 | $86 | $888 | $74 |
| Avalon Limited | $200 | $322 | $284 | $16 | $86 | $908 | $76 |
| Get Your Own Custom Quote Go | |||||||
Price data assumes married male driver age 30, no speeding tickets, no at-fault accidents, and Massachusetts minimum liability limits. Discounts applied include homeowner, safe-driver, multi-policy, claim-free, and multi-vehicle. Premium amounts do not factor in specific location which can decrease or increase price quotes greatly.
Based on the figures above, using a $100 deductible costs roughly $38 more each month or $456 each year than quoting the higher $1,000 deductible. Since you would pay $900 more to settle a claim with a $1,000 deductible as compared to a $100 deductible, if you usually have at least 24 months between claim filings, you would come out ahead if you opt for a higher deductible.
How to calculate if a higher deductible is a good decision
| Average monthly premium for $100 deductibles: | $111 |
| Average monthly premium for $1,000 deductibles (subtract): | – $73 |
| Monthly savings from raising deductible: | $38 |
| Difference between deductibles ($1,000 – $100): | $900 |
| Divide difference by monthly savings: | $900 / $38 |
| Number of months required between physical damage coverage claims in order to save money by choosing the higher deductible | 24 months |
One important issue to know is that higher deductibles means you will have to pay more when you have to file a claim. You should have some extra funds in order to pay the higher deductible.
The example below illustrates how your choice of deductibles and can raise or lower Toyota Avalon insurance prices for different ages of insureds. The data is based on a married female driver, full physical damage coverage, and no discounts are taken into consideration.
Drive safe and save
The illustration below shows how traffic citations and at-fault collisions influence Toyota Avalon insurance costs for each different age category. The information is based on a married male driver, full coverage, $100 deductibles, and no policy discounts are applied.
Toyota Avalon annual premiums for males versus females
The illustration below compares Toyota Avalon insurance premiums for male and female drivers. Data assumes no claims or driving violations, comprehensive and collision coverage, $100 deductibles, marital status is single, and no discounts are applied to the premium.
You are unique and your auto insurance should be too
Always keep in mind that when comparing the right insurance coverage, there isn’t really a perfect coverage plan. Everyone’s situation is a little different.
These are some specific questions may help highlight if your situation would benefit from professional advice.
- Do I need PIP (personal injury protection) coverage in Massachusetts?
- When should my teen driver be added to my policy?
- Should I bundle my homeowners policy with my auto?
- Will my insurance pay for OEM parts?
- Do I have any recourse if my insurance company denies a claim?
- Does my insurance cover damage caused when ticketed for reckless driving?
- What is UM/UIM insurance?
If you can’t answer these questions, you might consider talking to a licensed agent. If you want to speak to an agent in your area, take a second and complete this form. It only takes a few minutes and may give you better protection.
Exclusive versus independent insurance agencies
A small number of people prefer to buy from a licensed agent and we recommend doing that Most agents can answer important questions and will help you if you have claims. One of the benefits of price shopping on the web is that you can obtain lower rates and still buy from a local agent.
By using this quick form, the coverage information is sent to local insurance agents that give free quotes and help you find cheaper coverage. You won’t need to contact any insurance agencies because quoted prices will be sent directly to you. If you need to compare prices from a particular provider, you just need to visit that company’s website and submit a quote form there.
Choosing an insurance company is decision based upon more than just a cheap quote. Some important questions to ask are:
- Does the agent have a valid license to sell insurance in Massachusetts?
- Is there a 24/7 contact number?
- Which members of your family are coverage by the policy?
- How often do they review policy coverages?
- Do they feel the quoted coverages are adequate?
If you need to find a local insurance agency, you need to know there are two types of insurance agents and how they are slightly different. Boston agents are categorized either independent (non-exclusive) or exclusive. Both types can provide insurance policies, but it’s good to learn the difference in the companies they write for because it can factor into which agent you choose.
Exclusive Insurance Agents
Agents that elect to be exclusive can only provide one company’s prices like American Family, State Farm, and AAA. These agents are not able to compare rates from other companies so you might not find the best rates. Exclusive agencies are well schooled on their products and sales techniques which aids in selling service over price. Some consumers prefer to buy insurance from these agents mainly due to the brand legacy and strong financial ratings.
The following are Boston exclusive agents willing to provide price quote information.
- Allstate Insurance: Abner Joseph
571 Dudley St Ste A – Boston, MA 02125 – (617) 442-9490 – View Map - AAA Boston
125 High St – Boston, MA 02110 – (617) 443-9300 – View Map
Independent Insurance Agents
Independent agents are not locked into one company and that gives them the ability to insure with a variety of different insurance companies and get you the best rates possible. If they quote lower rates, the agent simply finds a different carrier and you stay with the same agent. If you are comparing insurance prices, we highly recommend that you get rate quotes from a few independent agents to have the best price comparison. Most also write with companies you’ve never heard of which can be an advantage.
Below is a short list of independent agents in Boston that can give you price quote information.
- Child-Genovese Insurance Inc
44 Temple Pl – Boston, MA 02111 – (617) 350-5511 – View Map - Massachusetts Fair Plan
2 Center Plz # 800 – Boston, MA 02108 – (617) 723-3800 – View Map - Meridian Insurance Agency, LLC
175 William F McClellan Hwy #112 – East Boston, MA 02128 – (617) 567-5710 – View Map
Choosing Toyota vehicle insurance is an important decision
Even though it can be expensive, buying insurance is required for several reasons.
First, just about all states have minimum liability requirements which means it is punishable by state law to not carry a specific minimum amount of liability coverage in order to get the vehicle licensed. 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.
Second, if you have a loan on your Avalon, almost all lenders will force you to have full coverage to ensure the loan is repaid in case of a total loss. If you let the policy lapse, the lender may insure your Toyota at a more expensive rate and require you to pay the higher premium.
Third, insurance preserves not only your car but also your assets. Insurance will also pay for all forms of medical expenses for you, any passengers, and anyone injured in an accident. As part of your policy, liability insurance also covers legal expenses if you cause an accident and are sued. If your Toyota gets damaged, comprehensive and/or collision insurance will pay to have it repaired.
The benefits of carrying adequate insurance are definitely more than the cost, especially with large liability claims. An average driver in America is overpaying over $865 each year so it’s recommended you shop around at every renewal to save money.
Insurance coverage basics
Understanding the coverages of your policy can be of help when determining the right coverages and the correct deductibles and limits. Policy terminology can be impossible to understand and nobody wants to actually read their policy.
Comprehensive insurance – This will pay to fix damage from a wide range of events other than collision. A deductible will apply then the remaining damage will be covered by your comprehensive coverage.
Comprehensive can pay for claims such as hitting a bird, a broken windshield, damage from flooding, a tree branch falling on your vehicle and fire damage. The maximum payout your insurance company will pay is the ACV or actual cash value, so if the vehicle is not worth much consider dropping full coverage.
Liability car insurance – This coverage protects you from damage that occurs to other people or property that is your fault. This coverage protects you from legal claims by others, and does not provide coverage for damage sustained by your vehicle in an accident.
Coverage consists of three different limits, per person bodily injury, per accident bodily injury, and a property damage limit. Your policy might show limits of 20/40/5 which means a limit of $20,000 per injured person, a total of $40,000 of bodily injury coverage per accident, and $5,000 of coverage for damaged property.
Liability insurance covers things like attorney fees, medical services and medical expenses. How much liability coverage do you need? That is up to you, but buy as much as you can afford. Massachusetts state law requires minimum liability limits of 20/40/5 but you should consider buying better liability coverage.
The chart below shows why minimum state limits may not be adequate.
Collision coverage – Collision insurance pays for damage to your Avalon resulting from colliding with another vehicle or an object, but not an animal. You first must pay a deductible and the rest of the damage will be paid by collision coverage.
Collision coverage pays for claims such as colliding with another moving vehicle, sideswiping another vehicle, crashing into a ditch, scraping a guard rail and hitting a mailbox. This coverage can be expensive, so analyze the benefit of dropping coverage from vehicles that are 8 years or older. It’s also possible to bump up the deductible on your Avalon to get cheaper collision coverage.
Med pay and Personal Injury Protection (PIP) – Med pay and PIP coverage pay for immediate expenses like funeral costs, prosthetic devices and EMT expenses. They can be used to fill the gap from your health insurance policy or if you are not covered by health insurance. It covers not only the driver but also the vehicle occupants as well as if you are hit as a while walking down the street. Personal injury protection coverage is not available in all states and gives slightly broader coverage than med pay
Uninsured/Underinsured Motorist (UM/UIM) – This provides protection from other drivers when they do not carry enough liability coverage. This coverage pays for hospital bills for your injuries and damage to your Toyota Avalon.
Due to the fact that many Massachusetts drivers carry very low liability coverage limits (20/40/5 in Massachusetts), their liability coverage can quickly be exhausted. This is the reason having UM/UIM coverage is a good idea.
Cheaper insurance is out there
When shopping online for insurance, it’s a bad idea to reduce needed coverages to save money. There are too many instances where someone dropped full coverage and discovered at claim time they didn’t have enough coverage. Your strategy should be to buy enough coverage at the best price, but do not sacrifice coverage to save money.
Some insurance providers do not offer the ability to get quotes online and most of the time these regional insurance providers work with independent insurance agencies. Cheaper insurance in Boston can be purchased online in addition to many Boston insurance agents, so you should be comparing quotes from both in order to have the best chance of saving money.
Drivers who switch companies do it for a variety of reasons including extreme rates for teen drivers, lack of trust in their agent, not issuing a premium refund and denial of a claim. Whatever your reason, choosing a new insurance company can be easier than you think.
How to find discount Toyota Avalon insurance in Boston
If you want to save the most money, the best way to find affordable car insurance rates in Boston is to compare prices once a year from insurers who provide auto insurance in Massachusetts.
- Try to understand the coverage provided by your policy and the measures you can control to keep rates in check. Many things that drive up the price like inattentive driving and an unacceptable credit score can be eliminated by being financially responsible and driving safely.
- Quote rates from direct carriers, independent agents, and exclusive agents. Exclusive and direct companies can only provide price estimates from one company like GEICO and Allstate, while independent agencies can give you price quotes for many different companies.
- Compare the price quotes to your existing coverage and determine if there is any savings. If you find a lower rate and buy the policy, make sure coverage is continuous and does not lapse.
- Give notification to your agent or company to cancel your current auto insurance policy and submit a completed policy application and payment to your new agent or company. As soon as you have the new policy, store the certificate verifying proof of insurance in an accessible location in your vehicle.
One important bit of advice is to use identical limits and deductibles on every price quote and and to get quotes from as many carriers as you can. This provides an accurate price comparison and a better comparison of the market.
Much more information about insurance in Massachusetts is located at these links:
- Determining Auto Insurance Rates (GEICO)
- How Much are Auto Insurance Quotes for Homeowners in Boston? (FAQ)
- Who Has Cheap Car Insurance for Drivers with Accidents in Boston? (FAQ)
- Who Has Cheap Auto Insurance for High Risk Drivers in Boston? (FAQ)
- How Much is Boston Auto Insurance for State Employees? (FAQ)
- Protect Yourself Against Auto Theft (Insurance Information Institute)
- Auto Insurance Learning Center (State Farm)
- Child Safety FAQ (iihs.org)