The recommended way to find affordable quotes for Mazda CX-5 insurance in Boston is to start comparing prices regularly from insurers who can sell car insurance in Massachusetts.
- Take a little time to learn about how car insurance works and the things you can control to drop your rates. Many things that result in higher rates such as inattentive driving and an imperfect credit rating can be rectified by making small lifestyle or driving habit changes. Continue reading for instructions to prevent rate hikes and get additional discounts that may have been overlooked.
- Compare price quotes from direct, independent, and exclusive agents. Direct and exclusive agents can only give rate quotes from a single company like Progressive or State Farm, while independent agencies can provide price quotes from many different companies.
- Compare the new rate quotes to your existing rates to determine if switching companies saves money. If you find a better price and switch companies, verify that coverage does not lapse between policies.
- Provide proper notification to your current company of your intent to cancel your existing policy. Submit a down payment along with a signed application to the new company. As soon as coverage is bound, safely store the certificate verifying proof of insurance with the vehicle registration.
An important part of this process is to use identical coverages on each quote request and and to get quotes from as many auto insurance providers as possible. This helps ensure a level playing field and a thorough selection of prices.
A recent car insurance study discovered that a large majority of consumers have been with the same company for over three years, and nearly the majority have never quoted rates to find cheap coverage. Boston insurance shoppers can save hundreds of dollars each year by just comparing quotes, but they don’t want to take the time to find cheap car insurance rates.
Affordable rates by taking advantage of discounts
Some companies don’t always advertise every discount they offer very well, so the list below contains some of the best known and the more hidden credits available to lower your premiums when you buy Boston auto insurance online. If you aren’t receiving every discount you deserve, you could be saving more on your car insurance.
- Discount for Life Insurance – Select car insurance companies reward you with better car insurance rates if you take out life insurance.
- Driver’s Ed – Make teen driver coverage more affordable by requiring them to successfully take a driver’s education course as it can save substantially.
- Discounts for Responsible Drivers – Safe drivers may receive a discount up to 45% compared to rates paid by drivers with frequent claims.
- Theft Prevention System – Cars, trucks, and SUVs equipped with tracking devices and advanced anti-theft systems prevent vehicle theft and qualify for as much as a 10% discount.
- Multi-car Discount – Buying a policy with several vehicles on one policy can get a discount on all vehicles.
- Air Bags and Passive Restraints – Factory options such as air bags could see savings up to 30%.
One thing to note about discounts is that most discounts do not apply to the entire cost. Most only cut individual premiums such as comp or med pay. Despite the appearance that having all the discounts means you get insurance for free, that’s just not realistic.
If you would like to choose from a list of companies with the best Mazda CX-5 insurance discounts in Boston in Massachusetts, click here.
Most companies allow you to get pricing direct online. Comparing Mazda CX-5 insurance rates online is possible for anyone as you just enter the coverages you want on the page. After the form is submitted, the quote system orders your driving and credit reports and generates pricing information. Being able to quote online for Mazda CX-5 insurance in Boston helps simplify price comparisons, and it’s necessary to have as many quotes as possible if you want to get cheap rates.
In order to find out how much you can save on auto insurance, compare rates now from the companies shown below. If you currently have coverage, we recommend you replicate coverages and limits as shown on your current policy. Doing this assures you will get a rate comparison for similar coverage.
The companies shown below have been selected to offer free rate quotes in Boston, MA. If you want cheap auto insurance in Massachusetts, we suggest you visit two to three different companies in order to find the most competitive rates.
Four factors that determine insurance premiums
Many different elements are part of the calculation when pricing auto insurance. Some factors are common sense like a motor vehicle report, but some are more obscure like your vehicle usage or your vehicle rating. Part of the auto insurance buying process is learning the factors that come into play when calculating your auto insurance rates. If you have some idea of what determines premiums, this enables informed choices that may reward you with better auto insurance rates.
The following are some of the major factors utilized by car insurance companies to help set your rate level.
Never go without auto insurance – Going without insurance is a quick way to bump up your auto insurance costs. In addition to paying higher premiums, the inability to provide proof of insurance might get you fines and jail time. You may need to submit proof of financial responsibility or a SR-22 with the Massachusetts motor vehicle department to get your license reinstated.
You might want pay the inexpensive auto insurance claims yourself – Companies in Massachusetts award cheaper rates to insureds that do not abuse their auto insurance. If you are the type of insured that files lots of claims you can expect much higher rates or policy non-renewal. Auto insurance is intended to be relied upon for the bigger claims that can’t be paid out-of-pocket.
Avoid unnecessary extra coverages – Insurance policies have a lot of extra coverages that you can get tricked into buying but may not be useful. Insurance for vanishing deductibles, death and dismemberment, and motor club memberships could be just wasting money. You may think they are a good idea at first, but your needs may have changed so consider taking them off your policy.
Driver age impacts premiums – Teen drivers in Massachusetts are known to be easily distracted behind the wheel so they pay higher auto insurance rates. Parents adding a inexperienced driver onto your auto insurance will cause a huge premium hike. More mature drivers are more cautious drivers, file fewer claims, and tend to be get fewer driving tickets.
Mazda CX-5 insurance loss statistics – Companies analyze historical claim data to help calculate a profitable premium rate. Models that have higher loss trends will be charged more to insure.
The next table shows the loss history for Mazda CX-5 vehicles. For each type of coverage, the loss probability for all vehicles as a whole is represented as 100. Numbers shown that are under 100 are indicative of better than average losses, while values that are above 100 indicate higher probability of having a loss or an increased likelihood of larger losses.
| Specific Mazda Model | Collision | Property Damage | Comp | Personal Injury | Medical Payment | Bodily Injury |
|---|---|---|---|---|---|---|
| Mazda CX-5 4dr 2WD | 66 | 88 | 85 | 79 | 83 | 76 |
| Mazda CX-5 4dr 4WD | 71 | 83 | 102 | 79 | 74 | 72 |
Statistics from IIHS.org for 2013-2015 Model Years
When to get professional advice
When quoting and choosing adequate coverage for your vehicles, there really is no one-size-fits-all type of policy. Your needs are unique to you.
Here are some questions about coverages that might point out if you would benefit from professional advice.
- Do I have coverage for damage caused while driving under the influence?
- I have a DUI can I still get coverage?
- If my Mazda CX-5 is totaled, can I afford another vehicle?
- Should I rate my vehicle as business use?
- Is a fancy paint job covered?
- Do I have coverage when making deliveries for my home business?
- I have good health insurance, so how much medical payments coverage do I need?
If it’s difficult to answer those questions, you might consider talking to an insurance agent. If you want to speak to an agent in your area, simply complete this short form. It only takes a few minutes and you can get the answers you need.
Car insurance agents near you
Many drivers just prefer to get professional advice from a licensed agent and that is OK! Experienced insurance agents can point out coverage gaps and help file insurance claims. A good thing about comparing rate quotes online is that you can obtain better rates and still choose a local agent.
After completing this short form, your insurance coverage information is emailed to participating agents in Boston who want to provide quotes for your insurance coverage. You never need to search for an agent since rate quotes are delivered to you. If you want to get a price quote from a specific insurance provider, you just need to go to their quote page and fill out the quote form the provide.
Deciding on an insurer requires more thought than just the bottom line cost. Any agent in Boston should have no problem answering these questions:
- Who are their largest clients?
- Which family members are covered?
- Are they paid to recommend certain coverages?
- How many companies do they write for?
- Are they able to provide referrals?
- What company holds the largest book of business for them?
- Are there any hidden costs in their price quote and does it include driving and credit history?
Types of car insurance agents
When researching a local agent, you must know there are a couple different types of agencies and how they can write your policy. Insurance agents can be categorized as either independent or exclusive. Both types can write insurance policies, but it is important to understand why they differ because it can impact the selection process.
Exclusive Insurance Agencies
Exclusive insurance agents can only quote rates from one company and examples are AAA, Allstate, State Farm, or Farmers Insurance. These agents are not able to give you multiple price quotes so they have no alternatives for high prices. Exclusive agencies receive a lot of sales training on their company’s products which helps offset the inability to provide other markets.
Below is a list of exclusive agents in Boston that can give you 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
Independent agents are not required to write business for one company and that enables them to quote your coverage with any number of different companies and find you the best rates. If they quote lower rates, the business is moved internally and that require little work on your part. When comparing rates, you need to check rates from independent agents to ensure the widest selection of prices.
Below is a short list of independent insurance agencies in Boston who can help you get comparison quotes.
Walter Kwan – Prudential Financial
72 Kneeland St Suite 301 – Boston, MA 02111 – (617) 482-6918 – View Map
Ironside Insurance Group, LLC
112 Water St #401 – Boston, MA 02109 – (617) 227-2400 – View Map
K D Hicks Insurance
4 Copley Pl #120 – Boston, MA 02116 – (617) 442-1300 – View Map
Why you need Mazda CX-5 insurance in Massachusetts
Even though Boston CX-5 insurance rates can get expensive, insurance may be required and benefits you in several ways.
- Most states have minimum liability requirements which means you are required to carry specific limits of liability in order to be legal. 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.
- If you have a lien on your Mazda, most banks will require that you carry insurance to guarantee loan repayment. If you default on your policy, the bank may insure your Mazda at a more expensive rate and require you to fork over for the expensive policy.
- Insurance safeguards your vehicle and your assets. It will also reimburse you for hospital and medical expenses that are the result of an accident. Liability coverage will also pay to defend you if someone files suit against you as the result of an accident. If damage is caused by hail or an accident, collision and comprehensive coverages will cover the repair costs.
The benefits of buying enough insurance outweigh the cost, specifically if you ever have a liability claim. According to a survey of 1,000 drivers, the average driver overpays as much as $800 each year so smart consumers compare quotes every year to ensure rates are competitive.
Cheap insurance rates are possible
Cost effective Mazda CX-5 insurance can be bought on the web as well as from independent agents in Boston, so you need to quote Boston auto insurance with both so you have a total pricing picture. A few companies may not offer online price quotes and most of the time these smaller companies work with local independent agents.
As you restructure your insurance plan, it’s a bad idea to reduce needed coverages to save money. Too many times, consumers will sacrifice comprehensive coverage or liability limits and found out when filing a claim that the few dollars in savings costed them thousands. The ultimate goal is to get the best coverage possible at a price you can afford, but do not skimp to save money.
In this article, we presented many ideas to shop for Mazda CX-5 insurance online. The most important thing to understand is the more rate comparisons you have, the higher the chance of saving money. You may even discover the lowest premium rates come from the smaller companies.
Helpful resources
- Information for Teen Drivers (GEICO)
- Who Has the Cheapest Car Insurance Quotes for Seniors in Boston? (FAQ)
- How Much are Boston Auto Insurance Rates for Teenage Males? (FAQ)
- How Much is Auto Insurance for Felons in Boston? (FAQ)
- Electronic Stability Control FAQ (iihs.org)
- Senior Drivers (Insurance Information Institute)
- Comprehensive Coverage (Liberty Mutual)
- Understanding your Policy (NAIC.org)