A recent NerdWallet.com study revealed that nearly 70% of customers have remained with the same insurance company for four years or more, and nearly the majority have never shopped around. Boston drivers can cut their rates by nearly $600 a year by just comparing rate quotes, but they assume it’s a waste of time to find cheaper insurance by shopping around.
If you want to find the absolute lowest rates, then the best way to get more affordable car insurance rates is to make a habit of regularly comparing prices from different companies in Boston. Drivers can shop around by following these guidelines.
- Step 1: Spend a few minutes and learn about how insurance companies determine prices and the measures you can control to prevent expensive coverage. Many rating factors that cause high rates such as accidents, careless driving, and a low credit score can be eliminated by making minor changes to your lifestyle. This article provides more information to lower rates and find additional discounts.
- Step 2: Request price quotes from direct, independent, and exclusive agents. Exclusive and direct companies can only provide price estimates from one company like Progressive or State Farm, while independent agents can provide rate quotes for a wide range of companies.
- Step 3: Compare the new rates to your existing policy and determine if there is any savings. If you find a lower rate and change companies, ensure coverage does not lapse between policies.
A good tip to remember is to make sure you’re comparing similar limits and deductibles on each price quote and and to analyze as many auto insurance providers as possible. Doing this provides a level playing field and many rates to choose from.
Best companies for competitive Mitsubishi Endeavor insurance in Massachusetts
The companies shown below are ready to provide free rate quotes in Massachusetts. To buy the best cheap car insurance in Boston, we suggest you visit two to three different companies to get the best price comparison.
Mitsubishi Endeavor insurance statistics and information
The table below showcases different insurance premium costs for Mitsubishi Endeavor models. Having a better idea how policy premiums are calculated can be useful when making informed decisions when shopping around for a new policy.
| Model | Comp | Collision | Liability | Medical | UM/UIM | Annual Premium | Monthly Premium |
|---|---|---|---|---|---|---|---|
| Endeavor LS 2WD | $262 | $478 | $344 | $20 | $104 | $1,208 | $101 |
| Endeavor LS AWD | $262 | $478 | $344 | $20 | $104 | $1,208 | $101 |
| Endeavor SE 2WD | $262 | $478 | $344 | $20 | $104 | $1,208 | $101 |
| Endeavor SE AWD | $296 | $478 | $344 | $20 | $104 | $1,242 | $104 |
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Price data assumes married male driver age 40, no speeding tickets, no at-fault accidents, $100 deductibles, and Massachusetts minimum liability limits. Discounts applied include multi-vehicle, multi-policy, safe-driver, homeowner, and claim-free. Estimates do not factor in garaging location in Boston which can increase or decrease premiums greatly.
Comparison of policy deductibles
One frequently asked question is how high should your deductibles be. The following tables summarize the difference in cost when you buy lower versus higher policy deductibles. The first rate table uses a $100 physical damage coverage deductible and the second price grid uses a $1,000 deductible.
| Model | Comp | Collision | Liability | Medical | UM/UIM | Annual Premium | Monthly Premium |
|---|---|---|---|---|---|---|---|
| Endeavor LS 2WD | $288 | $520 | $334 | $20 | $100 | $1,287 | $107 |
| Endeavor LS AWD | $288 | $520 | $334 | $20 | $100 | $1,287 | $107 |
| Endeavor SE 2WD | $288 | $520 | $334 | $20 | $100 | $1,287 | $107 |
| Endeavor SE AWD | $324 | $520 | $334 | $20 | $100 | $1,323 | $110 |
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| Model | Comp | Collision | Liability | Medical | UM/UIM | Annual Premium | Monthly Premium |
|---|---|---|---|---|---|---|---|
| Endeavor LS 2WD | $160 | $274 | $334 | $20 | $100 | $888 | $74 |
| Endeavor LS AWD | $160 | $274 | $334 | $20 | $100 | $888 | $74 |
| Endeavor SE 2WD | $160 | $274 | $334 | $20 | $100 | $888 | $74 |
| Endeavor SE AWD | $180 | $274 | $334 | $20 | $100 | $908 | $76 |
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Table data represents married male driver age 30, no speeding tickets, no at-fault accidents, and Massachusetts minimum liability limits. Discounts applied include safe-driver, multi-policy, claim-free, multi-vehicle, and homeowner. Premium costs do not factor in vehicle garaging location which can decrease or increase auto insurance rates significantly.
Based on this data, using a $100 deductible will cost in the ballpark of $33 more each month or $396 every year across all Mitsubishi Endeavor models than quoting the higher $1,000 deductible. Since the policyholder would be required to pay $900 more to settle a claim with a $1,000 deductible as compared to a $100 deductible, if you normally average at a minimum 27 months between claims, you would probably save some money if you decide on a higher deductible. The table below illustrates how this calculation is made.
| Average monthly premium for $100 deductibles: | $108 |
| Average monthly premium for $1,000 deductibles (subtract): | – $75 |
| Monthly savings from raising deductible: | $33 |
| Difference between deductibles ($1,000 – $100): | $900 |
| Divide difference by monthly savings: | $900 / $33 |
| Number of months required between physical damage coverage claims in order to save money by choosing the higher deductible | 27 months |
Poor driving habits will raise your auto insurance rates
The example below shows how speeding tickets and at-fault accidents increase Mitsubishi Endeavor premium costs for each age group. The premium estimates are based on a single female driver, comprehensive and collision coverage, $500 deductibles, and no policy discounts are applied.
Mitsubishi Endeavor annual premiums for males versus females
The chart below shows the comparison of Mitsubishi Endeavor insurance rates for male and female drivers. The data is based on no accidents or driving violations, comprehensive and collision coverage, $250 deductibles, marital status is single, and no policy discounts are applied.
Difference between full coverage and liability only rates
The example below shows the comparison of Mitsubishi Endeavor insurance rates when comparing full coverage to liability only. The rate quotes are based on no claims, a clean driving record, $100 deductibles, single marital status, and no discounts are taken into consideration.
When to drop full coverage
There is no set rule to exclude comprehensive and collision coverage on your policy, but there is a general school of thought. If the yearly cost for physical damage coverage is more than about 10% of the replacement cost minus the deductible, then you might consider buying liability only.
For example, let’s pretend your Mitsubishi Endeavor settlement value is $5,000 and you have $1,000 policy deductibles. If your vehicle is totaled, the most you would get paid by your company is $4,000 after paying your deductible. If premium cost is more than $400 annually for full coverage, then it’s probably a good time to buy liability coverage only.
There are some scenarios where dropping physical damage coverage is not a good idea. If you have an outstanding loan on your vehicle, you have to keep full coverage in order to keep the loan. Also, if you cannot afford to purchase a different vehicle in the event your current vehicle is totaled, you should not eliminate full coverage.
Companies offer lots of discounts on Mitsubishi Endeavor insurance in Boston
Not many people think insurance is cheap, but you might already qualify for some discounts that can dramatically reduce your bill. A few discounts will automatically apply when you purchase, but a few must be manually applied prior to receiving the credit.
- Telematics Devices – Drivers who elect to allow companies to look at their driving habits by using a telematics device in their vehicle like Drivewise from Allstate or In-Drive from State Farm may see discounts as long as they are good drivers.
- Seat Belts Save more than Lives – Drivers who require all occupants to buckle up could cut 10% or more off the personal injury premium cost.
- Discounts for Government Workers – Federal government employees can earn a discount up to 10% depending on your car insurance provider.
- Anti-lock Brakes – Cars, trucks, and SUVs equipped with ABS or steering control prevent accidents so companies give up to a 10% discount.
- Home Ownership Discount – Being a homeowner can save a few bucks because maintaining a house requires a higher level of personal finance.
One last thing about discounts, some of the credits will not apply to the entire policy premium. Most only reduce the cost of specific coverages such as collision or personal injury protection. Just because you may think all those discounts means the company will pay you, it just doesn’t work that way.
The information below illustrates the comparison of Mitsubishi Endeavor insurance costs with and without discounts being applied to the rates. The data assumes a male driver, no claims or 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, claim-free, homeowner, marriage, multi-car, and multi-policy discounts applied.
A few of the larger companies and the discounts they provide are detailed below.
- Progressive policyholders can earn discounts including continuous coverage, homeowner, online quote discount, multi-vehicle, good student, online signing, and multi-policy.
- AAA has savings for good driver, pay-in-full, multi-car, anti-theft, and AAA membership discount.
- Farmers Insurance may include discounts for early shopping, multi-car, teen driver, mature driver, pay in full, and youthful driver.
- GEICO may have discounts that include seat belt use, emergency military deployment, military active duty, multi-vehicle, federal employee, and multi-policy.
- Esurance may offer discounts for good driver, Switch & Save, emergency road assistance, Pac-12 alumni, online shopper, good student, and anti-lock brakes.
- SAFECO offers discounts for anti-lock brakes, teen safe driver, homeowner, anti-theft, safe driver, bundle discounts, and multi-car.
- State Farm has discounts for accident-free, safe vehicle, passive restraint, driver’s education, good student, Drive Safe & Save, and good driver.
When getting free Boston auto insurance quotes, it’s a good idea to all companies you are considering which discounts you qualify for. Some of the earlier mentioned discounts may not be available in your area. To view insurers that offer some of these discounts in Massachusetts, follow this link.
Learn How to Get Car Insurance More Affordably
Many things are used when you get your auto insurance bill. Some are pretty understandable like a motor vehicle report, although others are more obscure such as your marital status or your vehicle rating. It’s important that you understand a few of the rating criteria that are used to determine your car insurance rates. When you understand what influences your rates, this enables you to make decisions that can help you get better car insurance rates.
Shown below are some of the factors used by your company to calculate your rate level.
- Do you know you’re credit rating? – Having a good credit score is a big factor in determining what you pay for car insurance. People with excellent credit tend to be better risks to insure than drivers with bad credit. Therefore, if your credit is not that good, you could pay less to insure your Mitsubishi Endeavor if you clean up your credit.
- Deter vehicle theft – Owning a car with an alarm system can save you some money. Advanced theft deterrents such as tamper alarm systems, vehicle immobilizer technology and General Motors OnStar help track and prevent your vehicle from being stolen.
- Your career may increase rates – Jobs like military generals, air traffic controllers, and medical professionals are shown to have the highest average rates attributed to job stress and long work days. Other occupations like scientists, athletes and retirees pay the least.
- Claim-free discounts can add up – Companies in Massachusetts award cheaper rates to policyholders who file claims infrequently. If you frequently file small claims, you can definitely plan on either a policy non-renewal or much higher rates. Auto insurance is meant to be used in the event of claims that pose a financial burden.
- Multiple policies with one company – Most major insurance companies will give discounts to customers who carry more than one policy, otherwise known as a multi-policy discount. If you currently are using one company, drivers will still want to check prices from other companies to help guarantee you have the best rates. You may still save more without the discount by insuring with multiple companies.
Which is the best insurance?
When choosing the best insurance coverage for your personal vehicles, there really is not a best way to insure your cars. Your needs are unique to you and your insurance should unique, too.
For example, these questions can aid in determining if your situation might need an agent’s assistance.
- Am I covered while delivering pizza?
- Why do I have to buy liability insurance?
- Is my Mitsubishi Endeavor covered if I use it for business?
- Are my company tools covered if they get stolen?
- How much liability insurance is required?
- If I drive on a suspended license am I covered?
If you can’t answer these questions but you think they might apply to your situation then you might want to talk to a licensed insurance agent. If you don’t have a local agent, complete this form or you can go here for a list of companies in your area.
Car insurance agents can give valuable advice
Certain consumers would prefer to get advice from a local agent and doing that can be a smart decision The best thing about comparing car insurance online is you may find cheap car insurance rates and still have a local agent.
Upon completion of this quick form, your insurance coverage information is submitted to local insurance agents that provide free Boston auto insurance quotes for your business. There is no reason to leave your computer because quoted prices will be sent directly to your email. You can most likely find cheaper rates and an insurance agent to talk to. If for some reason you want to get a price quote for a specific company, you just need to jump over to their website and submit a quote form there.
Selecting an insurer should include more criteria than just a cheap quote. Some important questions to ask are:
- Is vehicle damage repaired with OEM or aftermarket parts?
- Do they regularly work with personal auto policies in Boston?
- How experienced are they in personal risk management?
- What is the agency’s Better Business Bureau rating?
- Did they already check your driving record and credit reports?
Two types of Boston car insurance agents
If you prefer to buy car insurance from a reliable insurance agent, there are two types of agencies and how they work. Agents in Boston are considered either exclusive agents or independent agents.
Exclusive Insurance Agents
Exclusive insurance agents are contracted to one company like State Farm, AAA, Farmers Insurance or Allstate. Exclusive agencies are unable to shop your coverage around so they have to upsell other benefits. Exclusive agents receive a lot of sales training on their products and sales techniques which aids in selling service over price.
The following are Boston exclusive insurance agents that are able to give 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 Car Insurance Agencies
These type of agents do not have single company limitations so they can write business through lots of different companies depending on which coverage is best. If your agent finds better pricing, they simply switch companies in-house and you won’t have to switch agencies. If you need lower rates, you will want to get some free quotes from multiple independent agents for maximum quote selection.
Below is a list of independent insurance agents in Boston who can help you get price quotes.
Alan J Ross Insurance Agency Inc
225 Franklin St – Boston, MA 02110 – (617) 449-9413 – View Map
Massamont Insurance Agency Inc
280 Summer St – Boston, MA 02210 – (617) 478-5205 – View Map
Ann M Foley Insurance
657 Gallivan Blvd – Boston, MA 02124 – (617) 282-5659 – View Map
After talking to the agent and getting good feedback to these questions and a low price estimate, most likely you have located an insurance agent that is reputable and can provide car insurance coverage.
Which auto insurance company is best in Boston?
Selecting the top car insurance provider can be challenging considering how many companies are available to choose from in Boston. The ranking information shown below could help you analyze which coverage providers you want to consider purchasing a policy from.
| 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 |
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Data Source: Insure.com Best Car Insurance Companies
You can lower your insurance rates
When searching for cheaper Boston auto insurance quotes, you should never skimp on coverage in order to save money. There are too many instances where an accident victim reduced uninsured motorist or liability limits only to regret that the savings was not a smart move. Your focus should be to buy the best coverage you can find at the lowest possible cost while not skimping on critical coverages.
Cheap Mitsubishi Endeavor insurance in Boston can be purchased both online and with local Boston insurance agents, so get free Boston auto insurance quotes from both of them to have the best rate selection. There are still a few companies who may not provide online rate quotes and many times these regional insurance providers sell through local independent agencies.
Other information
- Smart Auto Insurance Tips (Insurance Information Institute)
- Who Has the Cheapest Car Insurance Quotes for Seniors in Boston? (FAQ)
- Side Impact Crash Tests (iihs.org)
- How to Avoid Common Accidents (State Farm)
- Anti-Lock Brake FAQ (iihs.org)