If you want to save money, the best way to get affordable auto insurance rates in Boston is to compare prices regularly from providers who provide car insurance in Massachusetts.
- First, try to learn about coverages and the things you can change to lower rates. Many rating factors that drive up the price like at-fault accidents and a lousy credit rating can be improved by making small lifestyle or driving habit changes. Keep reading for tips to help keep prices low and find available discounts that you may qualify for.
- Second, request rate estimates from direct, independent, and exclusive agents. Exclusive and direct companies can only provide price estimates from a single company like GEICO or Farmers Insurance, while independent agencies can quote prices from many different companies.
- Third, compare the price quotes to your current policy premium to determine if switching companies saves money. If you can save money, make sure coverage does not lapse between policies.
- Fourth, provide notification to your current agent or company to cancel your current policy. Submit a completed application and payment to the new company. As soon as coverage is bound, safely store the proof of insurance paperwork in your vehicle.
The critical component of shopping around is to make sure you enter the same physical damage deductibles and liability limits on each quote request and to quote with as many different insurance providers as possible. This guarantees a level playing field and a good representation of prices.
It’s an obvious assumption that auto insurance companies don’t want you to look for cheaper rates. Consumers who shop around for cheaper prices are highly likely to buy a different policy because there is a great chance of finding a policy with more affordable rates. A recent survey revealed that drivers who compared price quotes annually saved an average of $3,450 over four years compared to people who never shopped around for lower prices.
If saving money on insurance in Boston is your intention, then having a grasp of the best ways to shop for auto insurance can help you be more efficient.
If you are insured now or just want cheaper coverage, you can use this information to reduce the price you pay and still get good coverage. Buying the cheapest car insurance in Boston is really quite simple as long as you have a good starting point. Drivers just need to know the fastest way to compare prices from multiple carriers.
Get cheaper Toyota Sequoia insurance rates in Boston
Not too many consumers would say auto insurance is affordable, but companies offer discounts that can drop the cost substantially. Certain reductions will be credited when you quote, but a few must be specifically requested prior to getting the savings.
- Seat Belts Save – Using a seat belt and requiring all passengers to buckle their seat belts could cut 10% or more on the premium charged for medical payments and/or PIP.
- Onboard Data Collection – Boston drivers who agree to allow data collection to spy on vehicle usage by using a small device installed in their vehicle such as Snapshot from Progressive or Drivewise from Allstate might see lower rates if they have good driving habits.
- Professional Memberships – Joining specific professional or occupational memberships or organizations could earn you a nice discount when getting a Boston car insurance quote.
- Theft Prevention System – Cars and trucks equipped with tracking devices and advanced anti-theft systems prevent vehicle theft and will save you 10% or more on Sequoia insurance in Boston.
- Early Renewal Discounts – A few companies give discounts for switching to them prior to your current Sequoia insurance policy expiration. It could save around 10% when you buy Boston car insurance online.
- Multi-Vehicle Discounts – Purchasing coverage when you have multiple cars on one policy qualifies for this discount.
- Discounts for New Vehicles – Insuring a vehicle that is new can be considerably cheaper due to better safety requirements for newer vehicles.
- Pay Upfront and Save – If paying your policy premium upfront as opposed to paying monthly you can actually save on your bill.
It’s important to note that most discount credits are not given to your bottom line cost. The majority will only reduce individual premiums such as medical payments or collision. So when the math indicates all the discounts add up to a free policy, nobody gets a free ride.
The information below compares Toyota Sequoia auto insurance costs with and without discounts. The data is based on a male driver, no accidents, no driving violations, Massachusetts state minimum liability limits, comprehensive and collision coverage, and $250 deductibles. The first bar for each age group shows premium with no discounts. The second shows the rates with marriage, multi-policy, safe-driver, multi-car, homeowner, and claim-free discounts applied.
The best auto insurance companies and their offered discounts can be found below.
- GEICO offers discounts including daytime running lights, military active duty, multi-policy, emergency military deployment, five-year accident-free, and multi-vehicle.
- Auto-Owners Insurance has discounts for good student, company car, mature driver, anti-lock brakes, student away at school, and teen driver.
- American Family offers discounts for good student, early bird, air bags, accident-free, mySafetyValet, bundled insurance, and Steer into Savings.
- Esurance offers premium reductions for online shopper, emergency road assistance, good student, online quote, and Pac-12 alumni.
- Progressive has savings for good student, online quote discount, multi-vehicle, multi-policy, online signing, and homeowner.
- State Farm discounts include multiple policy, anti-theft, Steer Clear safe driver discount, good driver, good student, and safe vehicle.
- AAA may include discounts for AAA membership discount, pay-in-full, education and occupation, good student, anti-theft, and multi-policy.
When quoting, ask each insurance company which discounts you qualify for. Some discounts listed above might not be available to policyholders in your state.
Compare free Boston Toyota Sequoia insurance quotes
Reducing your Toyota Sequoia insurance rates can be surprisingly simple. All you need to do is take a few minutes to compare rate quotes online with multiple companies.
Getting rate quotes online is very simple and it takes the place of having to actually drive to each insurance agency near you. Shopping for car insurance online makes this unnecessary unless you want the professional abilities of an agent trained in personal lines coverage. Some companies do allow you to price shop your coverage online and still use a local agent.
The auto insurance companies shown below are ready to provide free rate quotes in Massachusetts. If your goal is to find cheap car insurance in Massachusetts, we suggest you visit as many as you can to get a more complete price comparison.
Insurance coverage details
The premium table displayed next covers detailed analysis of insurance rates for Toyota Sequoia models. Learning as much as possible about how car insurance prices are calculated can be valuable when making informed decisions when comparing rate quotes.
| Model | Comp | Collision | Liability | Medical | UM/UIM | Annual Premium | Monthly Premium |
|---|---|---|---|---|---|---|---|
| Sequoia SR/5 2WD | $282 | $426 | $340 | $20 | $102 | $1,170 | $98 |
| Sequoia SR/5 4WD | $282 | $502 | $340 | $20 | $102 | $1,246 | $104 |
| Sequoia Limited 2WD | $314 | $502 | $340 | $20 | $102 | $1,278 | $107 |
| Sequoia Limited 4WD | $314 | $502 | $340 | $20 | $102 | $1,278 | $107 |
| Sequoia Platinum 2WD | $314 | $578 | $340 | $20 | $102 | $1,354 | $113 |
| Sequoia Platinum 4WD | $314 | $578 | $340 | $20 | $102 | $1,354 | $113 |
| Get Your Own Custom Quote Go | |||||||
Prices based on married female driver age 30, no speeding tickets, no at-fault accidents, $250 deductibles, and Massachusetts minimum liability limits. Discounts applied include safe-driver, multi-policy, claim-free, multi-vehicle, and homeowner. Rates do not factor in Boston location which can change coverage rates considerably.
Rate comparison for different deductibles
One common question asked by Boston drivers is how high should your deductibles be. The data tables below may help to conceptualize the premium difference between high and low physical damage coverage deductibles. The first rate table uses a $100 physical damage deductible and the second set of prices uses a $500 deductible.
| Model | Comp | Collision | Liability | Medical | UM/UIM | Annual Premium | Monthly Premium |
|---|---|---|---|---|---|---|---|
| Sequoia SR/5 2WD | $324 | $520 | $334 | $20 | $100 | $1,323 | $110 |
| Sequoia SR/5 4WD | $324 | $612 | $334 | $20 | $100 | $1,415 | $118 |
| Sequoia Limited 2WD | $362 | $612 | $334 | $20 | $100 | $1,453 | $121 |
| Sequoia Limited 4WD | $362 | $612 | $334 | $20 | $100 | $1,453 | $121 |
| Sequoia Platinum 2WD | $362 | $704 | $334 | $20 | $100 | $1,545 | $129 |
| Sequoia Platinum 4WD | $362 | $704 | $334 | $20 | $100 | $1,545 | $129 |
| Get Your Own Custom Quote Go | |||||||
| Model | Comp | Collision | Liability | Medical | UM/UIM | Annual Premium | Monthly Premium |
|---|---|---|---|---|---|---|---|
| Sequoia SR/5 2WD | $236 | $350 | $334 | $20 | $100 | $1,040 | $87 |
| Sequoia SR/5 4WD | $236 | $414 | $334 | $20 | $100 | $1,104 | $92 |
| Sequoia Limited 2WD | $264 | $414 | $334 | $20 | $100 | $1,132 | $94 |
| Sequoia Limited 4WD | $264 | $414 | $334 | $20 | $100 | $1,132 | $94 |
| Sequoia Platinum 2WD | $264 | $476 | $334 | $20 | $100 | $1,194 | $100 |
| Sequoia Platinum 4WD | $264 | $476 | $334 | $20 | $100 | $1,194 | $100 |
| Get Your Own Custom Quote Go | |||||||
Premium data assumes married male driver age 30, no speeding tickets, no at-fault accidents, and Massachusetts minimum liability limits. Discounts applied include safe-driver, multi-policy, homeowner, multi-vehicle, and claim-free. Premium amounts do not factor in vehicle location which can impact premiums considerably.
We can derive from the above data that using a $100 deductible costs an average of $26 more each month or $312 each year than buying the higher $500 deductible. Due to the fact that you would have to pay $400 more to settle a claim with a $500 deductible as compared to a $100 deductible, if you tend to have at least 15 months between claims, you would probably come out ahead if you elect the higher deductible.
Different people need different car insurance coverages
When it comes to your policy, there isn’t really a single plan that fits everyone. Every situation is different.
For example, these questions may help you determine whether or not you may require specific advice.
- When does my teenage driver need to be added to my policy?
- Do I need PIP coverage since I have good health insurance?
- Is business property covered if stolen from my car?
- Am I covered if I wreck a rental car?
- I have good health insurance, so how much medical payments coverage do I need?
- Exactly who is provided coverage by my policy?
If you’re not sure about those questions but you know they apply to you, you might consider talking to a licensed agent. To find an agent in your area, fill out this quick form. It’s fast, doesn’t cost anything and can help protect your family.
Get rate quotes but work with a local Boston insurance agency
Certain consumers just want to talk to a local agent and that is OK! Professional insurance agents can make sure you are properly covered and help submit paperwork. The biggest benefit of comparing rate quotes online is you may find cheap rate quotes and also buy local.
After completing this simple form, your insurance coverage information is transmitted to local insurance agents who will gladly provide quotes for your business. You won’t need to find an agent since price quotes are sent straight to your inbox. If you have a need to compare prices from a specific car insurance provider, you can always go to their quote page and submit a quote form there.
Choosing an insurer should include more criteria than just a cheap quote. Any agent in Boston should be willing to answer these questions.
- How much training do they have in personal risk management?
- Do they reduce claim amounts on high mileage vehicles?
- When do they do a full risk review?
- What discounts might you be missing?
- How long has the business existed?
- Do they receive special compensation for putting your coverage with one company over another?
- Are there any discounts for paying up front?
- How is replacement cost determined on your vehicle?
When narrowing the list to find a good Boston insurance agent, it helps to know the two types of agencies and how they can service your needs differently. Agencies in Boston can either be independent or exclusive. Both sell and service car insurance coverage, but it is a good idea to know how they are different since it can impact which type of agent you select.
Exclusive Car Insurance Agents
Agents that elect to be exclusive are contracted to one company such as Allstate, State Farm and Farm Bureau. Exclusive agencies are unable to provide other company’s prices so it’s a take it or leave it situation. They are very knowledgeable on the products they sell which helps them sell on service rather than price.
Shown below are Boston exclusive insurance agents who may provide you with comparison quotes.
AAA Boston
125 High St – Boston, MA 02110 – (617) 443-9300 – View Map
Allstate Insurance: Abner Joseph
571 Dudley St Ste A – Boston, MA 02125 – (617) 442-9490 – View Map
Independent Car Insurance Agencies
Independent agents are not limited to a single company so they can quote policies with many different companies and potentially find a lower price. If prices rise, they simply move your policy to a different company which requires no work on your part. If you need cheaper car insurance rates, it’s recommended you get rate quotes from at least one independent agent so that you have a good selection of quotes to compare.
Shown below is a list of independent insurance agents in Boston willing to provide comparison quotes.
Metro Boston Insurance Agency
78 Bennington St – Boston, MA 02128 – (617) 561-3191 – View Map
DMC Insurance Agency Inc
100 High St # 2800 – Boston, MA 02110 – (617) 451-0100 – View Map
Baltic Insurance Agency
597 E Broadway – South Boston, MA 02127 – (617) 268-6030 – View Map
If you receive satisfactory answers to any questions you have as well as a affordable price, you have narrowed it down to an insurance agent that can provide car insurance coverage.
Insurance coverage basics
Knowing the specifics of a insurance policy can help you determine the best coverages and proper limits and deductibles. The coverage terms in a policy can be difficult to understand and reading a policy is terribly boring.
Liability car insurance
Liability insurance provides protection from damage or injury you incur to a person or their property by causing an accident. It protects you against claims from other people. It does not cover damage sustained by your vehicle in an accident.
Split limit liability has three limits of coverage: bodily injury per person, bodily injury per accident and property damage. As an example, you may have values of 20/40/5 that translate to $20,000 in coverage for each person’s injuries, $40,000 for the entire accident, and property damage coverage for $5,000.
Liability coverage pays for things such as structural damage, legal defense fees, court costs, funeral expenses and emergency aid. How much coverage you buy is up to you, but you should buy as much as you can afford. Massachusetts requires drivers to carry at least 20/40/5 but it’s recommended drivers buy higher limits.
The illustration below demonstrates why buying low liability limits may not be adequate.
Comprehensive coverage
This pays to fix your vehicle from damage caused by mother nature, theft, vandalism and other events. You need to pay your deductible first then the remaining damage will be covered by your comprehensive coverage.
Comprehensive coverage protects against claims such as damage from flooding, vandalism, rock chips in glass and theft. The maximum amount you’ll receive from a claim is the actual cash value, so if the vehicle is not worth much it’s not worth carrying full coverage.
Uninsured/Underinsured Motorist coverage
This protects you and your vehicle from other drivers when they either are underinsured or have no liability coverage at all. Covered losses include medical payments for you and your occupants as well as damage to your Toyota Sequoia.
Since many Massachusetts drivers carry very low liability coverage limits (which is 20/40/5), it doesn’t take a major accident to exceed their coverage limits. That’s why carrying high Uninsured/Underinsured Motorist coverage should not be overlooked.
Medical payments coverage and PIP
Medical payments and Personal Injury Protection insurance provide coverage for immediate expenses such as surgery, nursing services, prosthetic devices and chiropractic care. They can be used to cover expenses not covered by your health insurance policy or if you lack health insurance entirely. Medical payments and PIP cover you and your occupants and will also cover being hit by a car walking across the street. PIP is not universally available but it provides additional coverages not offered by medical payments coverage
Auto collision coverage
This will pay to fix damage to your Sequoia caused by collision with an object or car. You first must pay a deductible then your collision coverage will kick in.
Collision coverage pays for things such as sustaining damage from a pot hole, scraping a guard rail, driving through your garage door and backing into a parked car. Paying for collision coverage can be pricey, so analyze the benefit of dropping coverage from older vehicles. You can also raise the deductible on your Sequoia to bring the cost down.
Frequent quotes can save
We just presented a lot of information how to save on Toyota Sequoia insurance in Boston. The key concept to understand is the more providers you compare, the higher your chance of finding low cost Boston car insurance quotes. Consumers may even find the biggest savings come from some of the lesser-known companies.
When getting Boston car insurance quotes online, don’t be tempted to buy poor coverage just to save money. In many cases, an accident victim reduced collision coverage to discover at claim time they didn’t purchase enough coverage. The aim is to buy the best coverage you can find at the lowest possible cost, but do not sacrifice coverage to save money.
Affordable Toyota Sequoia insurance in Boston can be sourced on the web as well as from independent agents in Boston, and you should compare price quotes from both to have the best selection. Some companies do not provide rate quotes online and most of the time these regional carriers only sell coverage through independent agencies.
To learn more, take a look at the articles below:
- Teen Driver Licensing Information (iihs.org)
- Who Has Cheap Auto Insurance for a Chevrolet Silverado in Boston? (FAQ)
- Who Has Cheap Auto Insurance for High Risk Drivers in Boston? (FAQ)
- Who Has Cheap Car Insurance Rates for Business Use in Boston? (FAQ)
- Child Safety Seats (Insurance Information Institute)
- Uninsured Motorists: Threats on the Road (Insurance Information Institute)
- Young Drivers: The High Risk Years Video (iihs.org)