We don’t have to point out that fact that auto insurance companies don’t want you quoting rates from other companies. People who compare other rates are likely to switch to a new company because there are good odds of getting low-cost coverage. A recent survey found that consumers who routinely compared rates saved about $72 a month compared to people who don’t make a habit of comparing rates.
If saving money on insurance in Boston is why you’re here, then learning about how to shop and compare insurance coverage can make it simple to find affordable coverage.
If you want to save the most money, the best way to find discount Ford C-Max Hybrid insurance is to start doing an annual price comparison from insurance carriers who provide car insurance in Boston.
First, learn about how insurance works and the changes you can make to prevent expensive coverage. Many risk factors that are responsible for high rates like traffic citations, accidents, and a bad credit rating can be remedied by improving your driving habits or financial responsibility. Keep reading for additional tips to prevent rate hikes and get discounts that may be overlooked.
Second, obtain price quotes from direct, independent, and exclusive agents. Exclusive and direct companies can only give prices from one company like Progressive and State Farm, while agents who are independent can quote prices for many different companies. View prices
Third, compare the new rate quotes to the price on your current policy to see if cheaper C-Max Hybrid coverage is available in Boston. If you can save money, make sure there is no coverage gap between policies.
One bit of advice is to compare identical deductibles and limits on each quote request and and to get rates from every insurance company. This helps ensure an accurate price comparison and the best price quote selection.
This information will familiarize you with how car insurance works and some tips to save money. If you are insured now, you will be able to cut your premiums using the ideas you’re about to read. Nevertheless, Massachusetts drivers must comprehend the way insurance companies market insurance on the web because it can help you find the best coverage.
When comparison shopping, there are several ways to compare rate quotes from local Boston car insurance companies. The simplest method to compare rates is to jump online and get quotes.
Getting rates online is very simple and it replaces the need to drive to insurance agencies in your area. The ability to get quotes online has reduced the need for local agents unless you have a complicated situation and need the peace of mind of a local Boston agent. If you prefer, some companies allow you to comparison shop online and have a local agent actually service the policy. When comparison shopping, quoting more will increase your chances of finding the best offered rates. Not every company does online rate quotes, so you also need to get price quotes on coverage from those companies, too.
The companies shown below can provide price comparisons in Boston, MA. If multiple companies are listed, we suggest you visit two to three different companies in order to get a fair rate comparison.
You may need help from a local insurance agent
Many people prefer to get advice from a local agent and that is a personal choice. A good thing about comparing insurance prices online is you may find cheap rate quotes but also keep your business local. Buying from local insurance agents is definitely important in Boston.
After filling out this short form, your insurance coverage information is sent to companies in Boston that provide free Boston car insurance quotes for your coverage. You won’t even need to contact any insurance agencies since rate quotes are delivered to the email address you provide. You can most likely find cheaper rates AND an agent nearby. In the event you want to compare rates for a specific company, you would need to visit that company’s website and fill out their quote form.
Insurance agent types
When searching for a reputable agency, it’s important to understand the different agency structures that you can choose from. Boston agents are either independent (non-exclusive) or exclusive.
Independent Agencies or Brokers
These type of agents do not work for one specific company and that allows them to write policies with lots of companies and find you the best rates. If premiums increase, they can switch companies in-house and you don’t have to do anything. When searching for an agent, we recommend you include several independent agencies in order to have the best price comparison.
Featured below is a partial list of independent insurance agents in Boston that may be able to give you price quotes.
Massachusetts Fair Plan
2 Center Plz # 800 – Boston, MA 02108 – (617) 723-3800 – View Map
Ironside Insurance Group, LLC
112 Water St #401 – Boston, MA 02109 – (617) 227-2400 – View Map
Knapp Schenck Insurance Services
1 India St #204 – Boston, MA 02109 – (617) 742-3366 – View Map
Exclusive Agencies
Agents that elect to be exclusive can usually just insure with one company such as Allstate, Farmers Insurance or State Farm. They usually cannot provide rate quotes from other companies so they are skilled at selling on more than just price. Exclusive agents receive a lot of sales training on their products and sales techniques and that enables them to sell even at higher rates.
The following is a short list of exclusive insurance 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
Choosing the best insurance agency requires more thought than just a cheap price. Here are some questions to ask:
- Are they involved in claim handling?
- How much can you save by raising your physical damage deductibles?
- What insurance companies do they recommend if they are an independent agent?
- Do they reduce claim amounts on high mileage vehicles?
- Does the agency have a positive business rating?
- Can they provide you with a list of referrals?
- Do they review policy coverages at every renewal?
- Is there a Errors and Omissions policy in force?
Once you have received reasonable responses to these questions and a low price estimate, it’s a good possibility that you have found an insurance agent that can service your policy.
Which car insurance company is best in Massachusetts?
Ending up with the highest-rated car insurance company is hard considering how many different companies insure vehicles in Boston. The ranking information displayed below may help you analyze which auto insurers you want to consider when shopping your coverage around.
Top 10 Boston Car Insurance Companies Overall
- The General
- Mercury Insurance
- Titan Insurance
- The Hartford
- Progressive
- Travelers
- State Farm
- Farmers Insurance
- Safeco Insurance
- USAA
Top 10 Boston Car Insurance Companies by A.M. Best Rank
- USAA – A++
- GEICO – A++
- Travelers – A++
- State Farm – A++
- Allstate – A+
- Nationwide – A+
- Esurance – A+
- Progressive – A+
- The Hartford – A+
- Mercury Insurance – A+