It’s safe to assume that car insurance companies want to keep you from comparing prices. Insureds who shop around at least once a year will presumably switch companies because there is a high probability of finding a more affordable policy. A recent insurance study revealed that consumers who regularly compared price quotes saved about $865 a year as compared to drivers who never shopped for cheaper rates.
If finding the lowest price for insurance in Boston is your ultimate target, knowing the best ways to shop for coverage rates can make the process more efficient.
If you want to find the absolute lowest rates, then the best way to get affordable Scion tC insurance is to start comparing rates regularly from insurance carriers who sell auto insurance in Boston. Price quotes can be compared by following these steps.
First, read about how car insurance works and the steps you can take to prevent rate increases. Many policy risk factors that drive up the price like traffic citations, accidents, and a less-than-favorable credit history can be improved by being financially responsible and driving safely. Keep reading for additional ideas to help reduce premium rates and find possible discounts that are available.
Second, quote rates from direct carriers, independent agents, and exclusive agents. Exclusive and direct companies can only give prices from one company like Progressive or Allstate, while independent agents can provide rate quotes from many different companies. View companies
Third, compare the quotes to your current policy premium to see if switching to a new carrier will save money. If you can save money and decide to switch, make sure coverage is continuous and does not lapse.
Fourth, notify your current company to cancel your current policy. Submit payment and a completed application to your new company or agent. As soon as you can, safely store the proof of insurance certificate somewhere easily accessible.
A good tip to remember is to make sure you enter similar coverage information on every price quote and and to get price estimates from as many different insurance providers as possible. This guarantees an accurate price comparison and many rates to choose from.
Locating the best rates in Boston is quite easy. If you have auto insurance now, you stand a good chance to be able to find better prices using this strategy. Comparison shoppers only need to know the fastest way to compare rates from many different companies online.
Low Cost auto insurance in Boston, MA
The companies in the list below provide comparison quotes in Massachusetts. To find cheap auto insurance in Boston, we recommend you get rate quotes from several of them in order to get a fair rate comparison.
Rates and statistics
The premium table below covers different insurance coverage prices for Scion tC models. Having a better idea how insurance premiums are determined can help drivers make smart policy decisions.
| Model | Comp | Collision | Liability | Medical | UM/UIM | Annual Premium | Monthly Premium |
|---|---|---|---|---|---|---|---|
| TC 2-Dr Hatchback | $138 | $364 | $438 | $26 | $132 | $1,098 | $92 |
| Get Your Own Custom Quote Go | |||||||
Data based on married female driver age 40, no speeding tickets, no at-fault accidents, $1000 deductibles, and Massachusetts minimum liability limits. Discounts applied include claim-free, safe-driver, multi-policy, multi-vehicle, and homeowner. Estimates do not factor in specific zip code location which can affect auto insurance rates greatly.
How high should deductibles be?
When shopping for insurance, a common question is where should you set your physical damage deductibles. The rates shown below outline the difference in cost between high and low comp and collision deductibles. The first pricing table uses a $250 physical damage deductible and the second rate chart uses a $1,000 deductible.
| Model | Comp | Collision | Liability | Medical | UM/UIM | Annual Premium | Monthly Premium |
|---|---|---|---|---|---|---|---|
| TC 2-Dr Hatchback | $258 | $590 | $418 | $24 | $126 | $1,441 | $120 |
| Get Your Own Custom Quote Go | |||||||
| Model | Comp | Collision | Liability | Medical | UM/UIM | Annual Premium | Monthly Premium |
|---|---|---|---|---|---|---|---|
| TC 2-Dr Hatchback | $160 | $372 | $418 | $24 | $126 | $1,100 | $92 |
| Get Your Own Custom Quote Go | |||||||
Table data assumes married male driver age 30, no speeding tickets, no at-fault accidents, and Massachusetts minimum liability limits. Discounts applied include homeowner, multi-policy, safe-driver, multi-vehicle, and claim-free. Estimates do not factor in the specific area where the vehicle is garaged which can modify rates greatly.
Based on the data above, we can derive that using a $250 deductible will cost in the ballpark of $28 more each month or $336 for a full year averaged for all tC models than quoting the higher $1,000 deductible. Since the policyholder would be required to pay $750 more to settle a claim with a $1,000 deductible as compared to a $250 deductible, if you tend to average more than 27 months between claim filings, you would save more money if you choose the higher deductible.
Calculate deductible break even point
| Average monthly premium for $250 deductibles: | $120 |
| Average monthly premium for $1,000 deductibles (subtract): | – $92 |
| 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 |
One thing to note is that raising deductibles results in a higher out-of-pocket expense if you have a claim. That will force you to have enough money in the bank in the event you need to pay more to get your vehicle repaired.
The example below illustrates how choosing a deductible and can raise or lower Scion tC annual premium costs for each different age category. The price estimates are based on a married female driver, full coverage, and no discounts are applied.
Companies offer many discounts on Scion tC insurance in Boston
Insurance can cost an arm and a leg, but you may be missing some discounts that could drop your premiums quite a bit. Larger premium reductions will be automatically applied when you get a quote, but less common discounts must be requested specifically before you will receive the discount.
- Boston Homeowners Pay Less – Just owning your own home can earn you a little savings because of the fact that having a home shows financial diligence.
- Safety Course Discount – Taking a defensive driver class could cut 5% off your bill and also improve your driving technique.
- Senior Discount – If you’re over the age of 55, you may receive a small discount on rates.
- Low Mileage Discounts – Fewer annual miles on your Scion could be rewarded with cheaper rates.
- Theft Deterrent – Cars, trucks, and SUVs equipped with tracking devices and advanced anti-theft systems help deter theft and qualify for as much as a 10% discount.
- Discount for Life Insurance – If the company offers life insurance, you could get a discounted premium rate on car insurance if you buy life insurance.
- Good Student Discount – This discount can be rewarded with saving of up to 25%. The discount lasts well after school through age 25.
- College Student – College-age children who attend college more than 100 miles from Boston and do not take a car to college can receive lower rates.
- Seat Belt Usage – Using a seat belt and requiring all passengers to wear their seat belts can save up to 15% on the medical payments or PIP coverage costs.
One last thing about discounts, most discounts do not apply to the whole policy. Most only cut the price of certain insurance coverages like physical damage coverage or medical payments. So even though they make it sound like you would end up receiving a 100% discount, it doesn’t quite work that way.
The illustration below visualizes the comparison of Scion tC annual premium costs with and without discounts being applied to the rates. The data is based on a male driver, no tickets, no at-fault accidents, Massachusetts state minimum liability limits, full coverage, and $500 deductibles. The first bar for each age group shows premium with no discounts. The second shows the rates with multi-policy, multi-car, claim-free, homeowner, safe-driver, and marriage discounts applied.
For a list of insurance companies that can offer you the previously mentioned discounts in Massachusetts, follow this link.
When should I discuss my situation with an agent?
When it comes to buying coverage online or from an agent, there isn’t really a cookie cutter policy. Everyone’s needs are different so your insurance needs to address that. Here are some questions about coverages that could help you determine whether you may require specific advice.
- Does my policy cover my teen driver if they drive my company car?
- What does medical payments cover?
- I have health insurance so do I need medical payments coverage?
- Where can I get insurance after a DUI in Massachusetts?
- When do I need to add a new car to my policy?
- Am I covered if I have no license?
- Does insurance cover damages from a DUI accident?
- Do I pay less for low miles?
- Can I pay claims out-of-pocket if I buy high deductibles?
- Should I buy full coverage?
If you can’t answer these questions, you may need to chat with an insurance agent. To find lower rates from a local agent, fill out this quick form or go to this page to view a list of companies. It’s fast, doesn’t cost anything and can help protect your family.
Can’t I get rate quotes from local Boston insurance agencies?
A lot of people still like to get advice from a local agent and doing that can be a smart decision Good insurance agents are highly skilled in risk management and give you someone to call. One of the best bonuses of getting online price quotes is the fact that you can find cheap insurance quotes and still have a local agent.
To find an agent, once you fill out this simple form, your insurance data is transmitted to participating agents in Boston who can give free rate quotes to get your business. You won’t need to find an agent as quotes are delivered to you. If for some reason you want to quote rates from one company in particular, just find their quoting web page and submit a quote form there.
Finding a good insurance company needs to be determined by more than just a cheap quote. Any agent in Boston should have no problem answering these questions:
- How would your car be valued if totaled?
- Is their price quote a firm figure or are their hidden costs?
- Which insurance companies are they affiliated with?
- Do they review policy coverages at every renewal?
- Does the agent recommend any additional coverage?
- Does the agency have a current Errors and Omissions policy?
Two types of car insurance agents
When researching a reliable insurance agency, you must know there are a couple types of agencies and how they can quote your rates. Agents can be described as either independent agents or exclusive agents. Both can handle insurance, but it’s worth mentioning the difference in how they write coverage because it can factor into which type of agent you select.
Exclusive Insurance Agencies
Exclusive agents can only write with one company and examples are State Farm, Allstate, and Farm Bureau. Exclusive agents cannot compare other company’s rates so always compare other rates. These agents are usually well trained in insurance sales and that allows them to sell at a higher price point. Some consumers prefer to buy from the same agent for years mainly due to loyalty to the company and the convenience of having a single billing for all their coverages.
Shown below are Boston exclusive agencies that can give you rate quotes.
- 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
Agents of this type can quote rates with many companies so they can insure your vehicles amongst many companies and find you cheaper rates. If you are not satisfied with one company, your agent can switch companies and you don’t have to do anything.
If you are comparing insurance prices, we recommend you get insurance quotes from at a minimum one independent agency in order to have the best price comparison. They also have the ability to place coverage with smaller mutual companies which can be an advantage.
The following are Boston independent insurance agents willing to provide rate quotes.
- Alan J Ross Insurance Agency Inc
225 Franklin St – Boston, MA 02110 – (617) 449-9413 – View Map - Spataro and Bellino Insurance Agency
156 Maverick St – East Boston, MA 02128 – (617) 567-6558 – View Map - Cecil N Marchionne Insurance Agency, Inc
506 Main St – Medford, MA 02155 – (781) 391-7100 – View Map
Shop smart and save
We just presented many ways to find cheaper Scion tC insurance in Boston. The key concept to understand is the more rate quotes you have, the better likelihood of getting low cost Boston car insurance quotes. Consumers could even find that the most savings is with a lesser-known regional company. These smaller insurers may cover specific market segments cheaper compared to the large companies like GEICO and State Farm.
Lower-priced car insurance in Boston can be found online and from local insurance agents, so you need to quote Boston car insurance with both in order to have the best price selection to choose from. Some car insurance companies may not provide online price quotes and these regional carriers sell through independent insurance agents.
When trying to cut insurance costs, it’s a bad idea to skimp on critical coverages to save a buck or two. There are many occasions where drivers have reduced collision coverage and learned later that it was a big error on their part. Your strategy should be to buy enough coverage for the lowest price, not the least amount of coverage.
More detailed car insurance information can be found in these articles:
- Senior Drivers (Insurance Information Institute)
- Who Has Cheap Auto Insurance for a 20 Year Old Female in Boston? (FAQ)
- How Much are Boston Auto Insurance Rates for Teenage Males? (FAQ)
- Who Has Cheap Boston Auto Insurance for Lyft Drivers? (FAQ)
- How to Avoid Staged Accidents (State Farm)
- Top Signs Your Brakes are Giving Out (State Farm)