How long has it been since you sat down and looked for cheaper Jaguar S-Type insurance in Boston? Comparing and finding more affordable rates for Jaguar S-Type insurance in Boston is always quite difficult for drivers who are beginners to quoting and comparing prices online. There are so many companies to choose from that it can easily become a real hassle to find the lowest price on Jaguar S-Type insurance.
Unthinkable but true, a large majority of drivers have been with the same company for four years or more, and almost 40% of drivers have never taken the time to shop around. The average driver in America could save up to 46.5% every year just by getting comparison quotes, but they just don’t understand how easy it is to compare rates and save money.
Low Cost companies for Jaguar S-Type insurance in Massachusetts
The providers in the list below offer free rate quotes in Boston, MA. If you wish to find the cheapest car insurance in Massachusetts, we suggest you visit several of them to find the most competitive auto insurance rates.
Six Tips to Get More Affordable Boston Insurance Costs
An important part of buying insurance is that you know some of the elements that help determine the rates you pay for car insurance. If you have some idea of what influences your rates, this enables informed choices that will entitle you to cheaper rates. Many factors are used when you get your auto insurance bill. Some of the criteria are obvious such as your driving record, but other factors are more transparent such as your marital status or your vehicle rating.
Gender impacts prices – Over time, data shows that females take fewer risks when driving. However, this does not mean men are worse drivers. Men and women tend to get into at-fault accidents at a similar rate, but men get into accidents with more damage. Not only are claims higher, but men get more serious tickets like DWI (DUI) or reckless driving. Young men ages 16 to 20 are several times more likely to be in an accident so they pay the highest premiums.
How many miles do you drive? – The higher the mileage driven each year the more you’ll pay to insure it. Most companies charge rates partially by how you use the vehicle. Cars and trucks that are left in the garage can be on a lower rate level than cars that get driven a lot. Ask your agent if your car insurance coverage reflects how each vehicle is driven. Incorrect rating for your S-Type may be costing you higher rates.
Bundle home and auto and save – Many car insurance companies allow a discount to buyers who have multiple policies with them in the form of a multi-policy discount. Even if you already get this discount, it’s always a smart idea to check prices from other companies to confirm you are receiving the best rates possible.
High credit scores save money – An insured’s credit rating factor in determining what you pay. People with high credit scores tend to be more responsible than those with lower ratings. If your credit can use some improvement, you may save money insuring your Jaguar S-Type by repairing your credit.
What are good liability protection limits? – Your car insurance policy’s liability coverage provides coverage when you are ruled to be at fault for an accident. Your liability coverage provides legal defense which can be incredibly expensive. Carrying liability coverage is mandatory and cheap when compared to the cost of physical damage coverage, so insureds should have plenty of protection for their assets.
Getting married can save you money – Having a wife or husband may cut your premiums when shopping for car insurance. Having a significant other translates into being more financially stable it has been statistically shown that married drivers get in fewer accidents.
Don’t overlook these Jaguar S-Type insurance discounts
Insuring your fleet can be pricey, but you may find discounts that many consumers don’t even know exist. Most are applied when you get a quote, but some must be asked about before you will receive the discount. If you don’t get every credit possible, you are not getting the best rate possible.
- Distant Student – Any of your kids who are enrolled in higher education away from home and won’t have access to an insured vehicle can be insured at a reduced rate.
- Discounts for Government Workers – Active or retired federal employment can earn a discount up to 10% with certain companies.
- Theft Prevention Discount – Cars equipped with tracking devices and advanced anti-theft systems help deter theft and therefore earn up to a 10% discount.
- Online Discount – A handful of companies provide a small discount for completing your application on your computer.
- More Vehicles More Savings – Buying a policy with more than one vehicle on a single policy can reduce rates for all insured vehicles.
- Discounts for Responsible Drivers – Safe drivers can get discounts for up to 45% lower rates as compared to drivers with claims.
- Discount for Life Insurance – Some insurance companies give a discount if you purchase some life insurance too.
- Auto/Home Discount – When you combine your home and auto insurance with the same company you may earn up to 20% and get you inexpensive Jaguar S-Type insurance in Boston.
As a disclaimer on discounts, most of the big mark downs will not be given to the entire cost. A few only apply to the price of certain insurance coverages like comprehensive or collision. So even though you would think it’s possible to get free car insurance, company stockholders wouldn’t be very happy.
Some of the larger companies that may offer policyholders most of these discounts may include but are not limited to:
If you need the cheapest Jaguar S-Type rate quotes, ask each company which discounts you may be entitled to. Some discounts may not be offered in Boston. If you would like to see a list of insurers offering insurance discounts in Boston, click here.
When to talk to a local insurance agent
Some people would rather sit down and talk to an agent and doing that can be a smart decision One of the best bonuses of comparing insurance prices online is you may find cheap rate quotes and still have a local agent.
After completing this quick form, your insurance coverage information is submitted to companies in Boston that can provide free Boston auto insurance quotes to get your business. You won’t even need to find an agent on your own as quotes are delivered to you instantly. You can most likely find cheaper rates and a licensed agent to talk to. If you want to compare prices from one company in particular, you would need to go to their quote page to submit a rate quote request.
Choosing a insurance company is decision based upon more than just the premium amount. Any agent in Boston should be willing to answer these questions.
- Does the company have a local claim office in Boston?
- Is there a Errors and Omissions policy in force?
- Is coverage determined by price?
- Are they actively involved in the community?
- Are they primarily personal or commercial lines agents in Boston?
- What are their preferred companies if they are an independent agency?
- How long has the business existed?
- What will you get paid if your car is a total loss? How is that amount determined?
Not all car insurance agents are the same
If you are wanting to purchase auto insurance from a reliable insurance agent, you must know there are a couple different types of agencies and how they operate. Boston agents can be described as either exclusive or independent agents depending on their company appointments.
Exclusive Agencies
Exclusive agents can only quote rates from one company like Farmers Insurance, American Family, State Farm and Allstate. Exclusive agents are unable to provide rate quotes from other companies so you need to shop around if the rates are high. Exclusive agencies are highly trained on the products they sell which can be an advantage. A lot of people buy from exclusive agents primarily because of high brand loyalty and the convenience of having all coverages with one company.
Shown below are exclusive agencies in Boston that can give you comparison 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 do not work for one specific company so they can write business with lots of companies enabling the ability to shop coverage around. If you are not satisfied with one company, they simply move the coverage in-house and that require little work on your part.
When comparison shopping, you will definitely want to compare prices from several independent insurance agents in order to compare the most rates. Many independent agencies also insure through additional companies that you may not be familiar with which can save you money.
The following are independent agencies in Boston who can help you get price quotes.
- Allston Insurance Agency, Inc.
1065 Commonwealth Avenue # 3 – Boston, MA 02215 – (617) 562-8200 – View Map - Massachusetts Fair Plan
2 Center Plz # 800 – Boston, MA 02108 – (617) 723-3800 – View Map - Flynn Insurance Agency, Inc.
30 Park St – Boston, MA 02129 – (617) 242-1200 – View Map
How to find a good Boston car insurance company
Ending up with the highest-rated car insurance provider is difficult considering how many companies there are to choose from in Massachusetts. The information below can help you analyze which companies to look at when comparing rates.
| Company | Value | Customer Service | Claims | Customer Satisfaction | A.M Best Rating | Overall Score |
|---|---|---|---|---|---|---|
| The General | 96 | 100 | 92 | 91% | A- | 95 |
| Mercury Insurance | 87 | 96 | 100 | 87% | A+ | 93.4 |
| Titan Insurance | 87 | 96 | 94 | 93% | A+ | 92.9 |
| The Hartford | 88 | 96 | 91 | 93% | A+ | 92.6 |
| Progressive | 84 | 94 | 99 | 90% | A+ | 92.4 |
| Travelers | 84 | 93 | 100 | 87% | A++ | 92.3 |
| State Farm | 84 | 93 | 95 | 87% | A++ | 91 |
| Farmers Insurance | 87 | 92 | 90 | 85% | A | 90.6 |
| Safeco Insurance | 85 | 91 | 87 | 86% | A | 88.4 |
| USAA | 71 | 93 | 98 | 87% | A++ | 88 |
| GEICO | 73 | 93 | 95 | 85% | A++ | 87.1 |
| 21st Century | 85 | 85 | 91 | 89% | A | 86.9 |
| Liberty Mutual | 72 | 91 | 97 | 83% | A | 86.4 |
| AAA Insurance | 85 | 85 | 88 | 86% | A | 85.8 |
| Nationwide | 71 | 90 | 93 | 83% | A+ | 84.9 |
| Allstate | 69 | 92 | 92 | 83% | A+ | 84.4 |
| American Family | 77 | 96 | 80 | 85% | A | 83.8 |
| Esurance | 70 | 80 | 89 | 77% | A+ | 79.2 |
| Compare Rates Now Go | ||||||
Data Source: Insure.com Best Car Insurance Companies
Do I just need basic coverages?
When quoting and comparing adequate coverage for your personal vehicles, there really isn’t a “perfect” insurance plan. You are unique and your policy should reflect that.
For example, these questions can aid in determining if you could use an agent’s help.
- Are split liability limits better than a combined single limit?
- Will I lose any money if I cancel my policy before it expires?
- What can I do if my company denied a claim?
- Should I buy additional glass protection?
- Do I pay less if my vehicle is kept in my garage?
- What is UM/UIM insurance?
If you’re not sure about those questions but you know they apply to you then you might want to talk to a licensed agent. To find an agent in your area, complete this form or you can also visit this page to select a carrier
Quote. Compare. Save.
As you restructure your insurance plan, do not reduce needed coverages to save money. There have been many situations where someone dropped uninsured motorist or liability limits and found out when filing a claim that they should have had better coverage. The proper strategy is to get the best coverage possible at a price you can afford, but do not skimp to save money.
In this article, we covered some good ideas how you can lower your Jaguar S-Type insurance prices in Boston. It’s most important to understand that the more times you quote, the higher the chance of saving money. Consumers may even find the lowest priced car insurance comes from a small mutual company. These companies can often insure niche markets at a lower cost as compared to the big name companies such as Allstate, GEICO and Progressive.
Some companies may not offer rates over the internet and these small, regional companies only sell coverage through independent insurance agents. More affordable car insurance in Boston is possible both online and from local insurance agents, and you need to comparison shop both to get a complete price analysis.
How to find low-cost Jaguar S-Type insurance in Boston
The recommended way to get low-cost car insurance rates is to start comparing prices regularly from insurers that sell auto insurance in Boston. You can shop around by following these steps.
Step 1: Try to learn about how auto insurance works and the things you can control to prevent high rates. Many rating factors that cause rate increases such as inattentive driving and a low credit rating can be amended by making minor driving habit or lifestyle changes.
Step 2: Compare rates from exclusive agents, independent agents, and direct providers. Exclusive agents and direct companies can provide rates from a single company like Progressive or Allstate, while agents who are independent can quote rates from multiple insurance companies.
Step 3: Compare the new rate quotes to the premium of your current policy to see if a cheaper price is available. If you find better rates and switch companies, make sure the effective date of the new policy is the same as the expiration date of the old one.
Step 4: Provide notification to your current company of your intent to cancel your current auto insurance policy and submit a down payment and signed policy application for your new policy. As soon as you receive it, place the new proof of insurance paperwork in an easily accessible location.
An important note is to use identical deductibles and limits on each quote request and and to get price quotes from every insurance company. Doing this provides a fair price comparison and a better comparison of the market.
Much more information about car insurance in Massachusetts can be found on the following sites:
- Booster Seat Ratings (iihs.org)
- Who Has Cheap Boston Car Insurance for Uninsured Drivers? (FAQ)
- How Much is Boston Auto Insurance for a Nissan Sentra? (FAQ)
- Who Has the Cheapest Car Insurance Rates for a Ford Escape in Boston? (FAQ)
- Who Has Affordable Auto Insurance for Used Cars in Boston? (FAQ)
- Who Has Cheap Car Insurance Rates for Business Use in Boston? (FAQ)
- Teen Driving and Texting (State Farm)
- Automakers compete to add autobraking (Insurance Institute for Highway Safety)