The best way we recommend to find discount auto insurance rates in Boston is to start comparing rates regularly from insurers who provide auto insurance in Massachusetts. This can be done by following these steps.
- Step 1: Learn about how companies price auto insurance and the changes you can make to prevent high rates. Many factors that result in higher rates such as traffic violations and a less-than-favorable credit history can be remedied by improving your driving habits or financial responsibility. Keep reading for tips to help reduce prices and find overlooked discounts.
- Step 2: Quote rates from exclusive agents, independent agents, and direct providers. Direct and exclusive agents can only quote rates from one company like GEICO and State Farm, while independent agents can quote prices for a wide range of companies. View prices
- Step 3: Compare the new rate quotes to your existing policy to see if cheaper Outlook coverage is available in Boston. If you find a lower rate and switch companies, make sure the effective date of the new policy is the same as the expiration date of the old one.
A good piece of advice is that you use identical limits and deductibles on each quote and and to get rate quotes from every insurance company. This enables a fair price comparison and the best price selection.
It’s shocking but nearly 70% of customers have purchased from the same company for more than four years, and nearly half have never quoted rates to find cheaper coverage. With the average car insurance premium being $1,847, U.S. drivers could save themselves $860 a year just by getting comparison quotes, but they don’t believe the amount of savings they would get if they replace their high priced policy.
Locating the best rates in Boston is much easier if you know where to start. If you have insurance now or just want cheaper rates, you can follow these tips to find better prices and possibly find even better coverage. You just have to know the quickest method to get comparison quotes from many different companies online.
Cheapest companies for Saturn Outlook insurance in Massachusetts
The auto insurance companies shown below can provide free quotes in Boston, MA. If you want to find cheap car insurance in Boston, MA, we recommend you compare several of them to get the cheapest price.
Coverage statistics and figures
The premium information shown next outlines different insurance premium costs for Saturn Outlook models. Learning as much as possible about how rate quotes are figured can help guide drivers when making smart choices when buying a car insurance policy.
| Model | Comp | Collision | Liability | Medical | UM/UIM | Annual Premium | Monthly Premium |
|---|---|---|---|---|---|---|---|
| Outlook XE 2WD | $138 | $228 | $314 | $18 | $94 | $792 | $66 |
| Outlook XV 2WD | $138 | $228 | $314 | $18 | $94 | $792 | $66 |
| Outlook XE Premium 2WD | $154 | $268 | $314 | $18 | $94 | $848 | $71 |
| Outlook XE AWD | $154 | $268 | $314 | $18 | $94 | $848 | $71 |
| Outlook XE Premium AWD | $154 | $268 | $314 | $18 | $94 | $848 | $71 |
| Outlook XR-L 2WD | $154 | $268 | $314 | $18 | $94 | $848 | $71 |
| Outlook XR-L AWD | $154 | $268 | $314 | $18 | $94 | $848 | $71 |
| Outlook XR-L Premium 2WD | $154 | $268 | $314 | $18 | $94 | $848 | $71 |
| Outlook XR-L Premium AWD | $154 | $268 | $314 | $18 | $94 | $848 | $71 |
| Get Your Own Custom Quote Go | |||||||
Data variables include married female driver age 50, no speeding tickets, no at-fault accidents, $1000 deductibles, and Massachusetts minimum liability limits. Discounts applied include homeowner, multi-policy, multi-vehicle, claim-free, and safe-driver. Estimates do not factor in zip code location which can influence rates substantially.
Can higher deductibles save money?
A question often asked by Boston drivers is which comprehensive and collision deductibles to buy. The following tables approximate how much more rates are when you choose different physical damage deductibles. The first set of rates uses a $250 physical damage deductible and the second price chart uses a $500 deductible.
| Model | Comp | Collision | Liability | Medical | UM/UIM | Annual Premium | Monthly Premium |
|---|---|---|---|---|---|---|---|
| Outlook XE 2WD | $292 | $436 | $334 | $20 | $100 | $1,207 | $101 |
| Outlook XV 2WD | $292 | $436 | $334 | $20 | $100 | $1,207 | $101 |
| Outlook XE Premium 2WD | $324 | $512 | $334 | $20 | $100 | $1,315 | $110 |
| Outlook XE AWD | $324 | $512 | $334 | $20 | $100 | $1,315 | $110 |
| Outlook XE Premium AWD | $324 | $512 | $334 | $20 | $100 | $1,315 | $110 |
| Outlook XR-L 2WD | $324 | $512 | $334 | $20 | $100 | $1,315 | $110 |
| Outlook XR-L AWD | $324 | $512 | $334 | $20 | $100 | $1,315 | $110 |
| Outlook XR-L Premium 2WD | $324 | $512 | $334 | $20 | $100 | $1,315 | $110 |
| Outlook XR-L Premium AWD | $324 | $512 | $334 | $20 | $100 | $1,315 | $110 |
| Get Your Own Custom Quote Go | |||||||
| Model | Comp | Collision | Liability | Medical | UM/UIM | Annual Premium | Monthly Premium |
|---|---|---|---|---|---|---|---|
| Outlook XE 2WD | $236 | $350 | $334 | $20 | $100 | $1,040 | $87 |
| Outlook XV 2WD | $236 | $350 | $334 | $20 | $100 | $1,040 | $87 |
| Outlook XE Premium 2WD | $264 | $414 | $334 | $20 | $100 | $1,132 | $94 |
| Outlook XE AWD | $264 | $414 | $334 | $20 | $100 | $1,132 | $94 |
| Outlook XE Premium AWD | $264 | $414 | $334 | $20 | $100 | $1,132 | $94 |
| Outlook XR-L 2WD | $264 | $414 | $334 | $20 | $100 | $1,132 | $94 |
| Outlook XR-L AWD | $264 | $414 | $334 | $20 | $100 | $1,132 | $94 |
| Outlook XR-L Premium 2WD | $264 | $414 | $334 | $20 | $100 | $1,132 | $94 |
| Outlook XR-L Premium AWD | $264 | $414 | $334 | $20 | $100 | $1,132 | $94 |
| 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 homeowner, safe-driver, multi-vehicle, claim-free, and multi-policy. Price estimates do not factor in vehicle garaging location which can alter auto insurance rates substantially.
Based on the figures above, using a $250 deductible costs an average of $16 more each month or $192 annually than requesting the higher $500 deductible. Since you would pay $250 more if you turn in a claim with a $500 deductible as compared to a $250 deductible, if you tend to go more than 16 months between claim filings, you would save more money if you opt for a higher deductible.
Rate comparison of full coverage and liability-only
The chart below shows the difference between Saturn Outlook insurance prices with full coverage compared to only the Massachusetts minimum liability coverage. The premium estimates are based on no claims or violations, $500 deductibles, marital status is single, and no discounts are applied.
When to eliminate full coverage
There is no definitive formula to exclude full coverage, but there is a general school of thought. If the yearly cost of comp and collision coverage is more than 10% of any settlement you would receive from your insurance company, then you might want to consider buying only liability coverage.
For example, let’s pretend your Saturn Outlook replacement cost is $7,000 and you have $1,000 deductibles. If your vehicle is destroyed, the most your company will settle for is $6,000 after paying your deductible. If you are paying over $600 annually for physical damage coverage, then it could be time to drop full coverage.
There are some scenarios where eliminating full coverage is not in your best interest. If you haven’t satisfied your loan, you have to keep full coverage as part of the loan conditions. Also, if your emergency fund is not enough to purchase a different vehicle in the even your car is totaled, you should not buy liability only.
Car insurance discounts help lower rates for Saturn Outlook insurance in Boston
Car insurance can be pricey, but there could be available discounts that can help lower your rates. Certain discounts will be applied when you get a quote, but some discounts are required to be inquired about prior to receiving the credit.
- Discounts for Multiple Vehicles – Drivers who insure several vehicles with the same car insurance company can get a discount on all vehicles.
- Onboard Data Collection – People who choose to allow data collection to track when and where they use their vehicle through the use of a telematics system such as Progressive’s Snapshot could see a rate decrease if they are good drivers.
- Passenger Safety Discount – Vehicles equipped with air bags or automatic seat belts can get savings as much as 30%.
- Fewer Miles Equal More Savings – Fewer annual miles on your Saturn could be rewarded with lower prices on the low mileage vehicles.
- Save over 55 – Seniors are able to get a slight reduction on a Boston car insurance quote.
- Clubs and Organizations – Having an affiliation with certain professional organizations could earn you a nice discount on your next renewal.
Just know that some of the credits will not apply to your bottom line cost. Most cut specific coverage prices like medical payments or collision. So even though you would think you can get free auto insurance, car insurance companies aren’t that generous. But all discounts will cut your premiums.
The diagram below illustrates the difference between Saturn Outlook insurance costs with and without policy discounts. The costs are based on a male driver, no accidents or driving violations, Massachusetts state minimum liability limits, full physical damage coverage, and $500 deductibles. The first bar for each age group shows premium with no discounts. The second shows the rates with safe-driver, multi-policy, claim-free, multi-car, homeowner, and marriage discounts applied.
To find providers with significant discounts in Boston, click here to view.
Buying auto insurance from Boston insurance agents
A small number of people just prefer to buy from a licensed agent and there is nothing wrong with that. Good agents are trained to spot inefficiencies and help submit paperwork. One of the best bonuses of comparing rate quotes online is you can get cheaper premium rates and still have an agent to talk to.
After filling out this form (opens in new window), the quote information gets sent to insurance agents in Boston that provide free Boston car insurance quotes for your auto insurance coverage. There is no reason to find an agent on your own because prices are sent to the email address you provide. In the event you want to get a comparison quote for a specific company, you just need to find their quoting web page and fill out the quote form the provide.
Deciding on an provider is decision based upon more than just the price. The questions below may impact your decision as well.
- Do they offer rental car reimbursement?
- Who is covered by the car insurance policy?
- Does the agency have a current Errors and Omissions policy?
- Do you work with a CSR or direct with the agent?
- How many years of experience in personal auto insurance do they have?
If you are searching for a reputable agency, there are two types of insurance agents and how they can write your policy. Auto insurance agents may be either exclusive agents or independent agents. Both types can handle auto insurance, but it is a good idea to know the differences because it can influence your agent selection.
Exclusive Insurance Agencies
Agents in the exclusive channel can only provide one company’s prices like Allstate, Farmers Insurance or State Farm. Exclusive agents are unable to place coverage with different providers so they have to upsell other benefits. They are usually quite knowledgeable on their company’s products which helps overcome the inability to quote other rates. Consumers frequently use the same agent partially due to the brand name and the convenience of having a single billing for all their coverages.
Listed below are exclusive insurance agencies in Boston willing to provide rate 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 Agents (or Brokers)
Independent insurance agents do not write with just one company and that is an advantage because they can write policies with multiple insurance companies and find the cheapest auto insurance rates. If premiums increase, they simply move the coverage in-house and you can keep the same agent. When comparing auto insurance prices, you absolutely need to get rate quotes from at a minimum one independent agency so that you can do a thorough price comparison. Many write coverage with companies you’ve never heard of that may have much lower rates than larger companies.
Listed below is a short list of independent insurance agencies in Boston that can give you price quote information.
- One Call Insurance
121 Tremont St – Boston, MA 02135 – (617) 782-2255 – View Map - Knapp Schenck Insurance Services
1 India St #204 – Boston, MA 02109 – (617) 742-3366 – View Map - Ann M Foley Insurance
657 Gallivan Blvd – Boston, MA 02124 – (617) 282-5659 – View Map
Which car insurance company is best in Boston?
Buying coverage from the highest-rated car insurance company can be a challenge considering how many companies sell insurance in Boston. The ranking data shown next may help you decide which insurers you want to consider putting your business with.
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 Ranked by Customer Service
- Mercury Insurance
- Titan Insurance
- The Hartford
- American Family
- Progressive
- USAA
- Travelers
- State Farm
- GEICO
- Allstate
Do the work, save more money
Budget-friendly car insurance in Boston can be sourced both online and from local agencies, and you need to price shop both to have the best chance of lowering rates. Some insurance companies may not offer the ability to get quotes online and most of the time these smaller providers sell through local independent agencies.
Drivers leave their current company for a number of reasons such as being labeled a high risk driver, high prices, extreme rates for teen drivers or even not issuing a premium refund. Regardless of your reason, choosing a new insurance company is easier than you think.
We just showed you a lot of techniques to save on Saturn Outlook insurance in Boston. The key thing to remember is the more companies you get auto insurance rates for, the more likely it is that you will get a better rate. Consumers could even find that the most savings is with some of the lesser-known companies.
More information is available at the links below
- How to Avoid Common Accidents (State Farm)
- How Much are Auto Insurance Quotes for Teenage Females in Boston? (FAQ)
- Who Has the Cheapest Boston Auto Insurance Quotes for College Graduates? (FAQ)
- How Much are Boston Auto Insurance Rates for Teenage Males? (FAQ)
- Child Safety Seats (Insurance Information Institute)
- Side Impact Crash Tests (iihs.org)
- Distracted Driving (Insurance Information Institute)
- Auto Theft Statistics (Insurance Information Institute)