Best BMW X1 Insurance in Boston

Insurance quote for BMW X1 in BostonIt’s hard to fathom, but almost 70% of drivers in Massachusetts have stayed with the same insurance company for more than four years, and just under half have never shopped around. U.S. drivers can save 47% each year by just shopping around, but they just don’t understand the actual amount they would save if they changed companies.

The easiest way to get discount BMW X1 insurance in Boston is to compare prices once a year from providers who provide auto insurance in Massachusetts.

Step 1: Read and learn about how insurance works and the things you can control to prevent expensive coverage. Many rating factors that result in higher rates such as accidents, traffic violations, and a negative credit rating can be amended by making lifestyle changes or driving safer.

Step 2: Compare prices from independent agents, exclusive agents, and direct companies. Exclusive agents and direct companies can only give prices from one company like Progressive and State Farm, while independent agencies can provide rate quotes for many different companies. Start a quote

Step 3: Compare the quotes to your existing coverage to determine if you can save on X1 insurance in Boston. If you find a better price and change companies, make sure the effective date of the new policy is the same as the expiration date of the old one.

One important bit of advice is to make sure you’re comparing the same liability limits and deductibles on every quote request and and to compare all possible companies. Doing this provides a fair rate comparison and a complete price analysis.

You may qualify for discounts for BMW X1 insurance in Boston

Some insurance providers do not advertise every possible discount in a way that’s easy to find, so the following list contains both the well known in addition to some of the lesser obvious auto insurance savings. If you aren’t receiving every discount you deserve, you may be paying too high a price.

Discounts lower rates, but most credits do not apply to the whole policy. Most only cut specific coverage prices like liability, collision or medical payments. Just because it seems like having all the discounts means you get insurance for free, insurance companies wouldn’t stay in business.

Larger auto insurance companies and their offered discounts are included below.

If you need lower rates, check with every company which discounts can lower your rates. Some of the discounts discussed earlier might not be available to policyholders in your state. To locate insurers with the best discounts in Massachusetts, follow this link.

The companies shown below provide quotes in Boston, MA. If you wish to find the best car insurance in Massachusetts, we recommend you get prices from several of them to get a more complete price comparison.

Informed Consumers Save Money

Multiple criteria are part of the equation when pricing auto insurance. Most are fairly basic like a motor vehicle report, but other criteria are less apparent like your continuous coverage or your commute time.

Compare prices but buy from a local Boston insurance agency

A small number of people just prefer to get advice from a local agent and that is a personal choice. Agents can help you choose the best coverages and give you someone to call. One of the best bonuses of comparing auto insurance online is that drivers can save money and get cheap rate quotes but also keep your business local.

Insurance agency in BostonTo help locate an agent, after submitting this form (opens in new window), your insurance data is emailed to local insurance agents that can give you free Boston auto insurance quotes for your coverage. There is no reason to contact any insurance agencies as quotes are delivered immediately to your email address. If you want to quote rates for a specific company, just go to their quote page and fill out their quote form.

Finding the right provider shouldn’t rely on just the quoted price. These are some questions your agent should answer.

Multiple types of auto insurance agents in Boston

If you are wanting to purchase auto insurance from a good Boston insurance agent, it’s important to understand the different types of agents and how they work. Agencies in Boston are classified as either independent or exclusive. Either one can sell auto insurance policies, but we need to point out the differences since it can affect which type of agent you select.

Exclusive Insurance Agents

These agents can only write with one company such as Farmers Insurance and State Farm. Exclusive agencies are unable to shop your coverage around so if the price isn’t competitive there isn’t much they can do. Exclusive insurance agents are well schooled on their company’s products which helps offset the inability to provide other markets.

Shown below are Boston exclusive insurance agencies who may provide you with comparison quotes.

125 High StBoston, MA 02110(617) 443-9300View Map

571 Dudley St Ste ABoston, MA 02125(617) 442-9490View Map

View more Boston agents

Independent Agents

Agents that elect to be independent are not employed by any specific company so they can write business through many companies and find the cheapest rate. If your premiums go up, your agent can switch companies which is easy for the insured.

If you need cheaper auto insurance rates, we highly recommend that you get quotes from a couple of independent agencies to have the most options to choose from.

The following are Boston independent insurance agencies that are able to give rate quotes.

55 Union StBoston, MA 02108(617) 924-4915View Map

Alan J Ross Insurance Agency Inc
225 Franklin StBoston, MA 02110(617) 449-9413View Map

2 Center Plz # 800Boston, MA 02108(617) 723-3800View Map

View more Boston agents

Protect your BMW X1 and other assets

Despite the high cost, auto insurance may be required for several reasons.

First, the majority of states have minimum mandated liability insurance limits which means the state requires specific minimum amounts of liability insurance in order to drive the car. 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.

Second, if you bought your X1 with a loan, most banks will make it a condition of the loan that you carry insurance to ensure they get paid if you total the vehicle. If you let the policy lapse, the lender may insure your BMW for a lot more money and force you to reimburse them a much higher amount than you were paying before.

Third, insurance safeguards both your BMW X1 and your personal assets. It will also provide coverage for all forms of medical expenses for both you and anyone you injure as the result of an accident. Liability coverage will also pay attorney fees if you are sued as the result of an accident. If you receive damage to your vehicle caused by a storm or accident, your policy will pay to have it repaired.

The benefits of having auto insurance are without a doubt worth the cost, particularly for liability claims. Unknowingly, the average driver is overpaying over $750 every year so it’s recommended you shop around at least once a year to save money.

Boston car insurance companies

Ending up with the best auto insurance provider is hard considering how many companies there are in Massachusetts. The ranking information shown next could help you analyze which auto insurers to look at comparing prices from.

Best Car Insurance Companies in Boston
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: Best Car Insurance Companies

Persistence will pay off

You just learned a lot of information how to lower your BMW X1 insurance rates in Boston. The key concept to understand is the more you quote Boston auto insurance, the better likelihood of getting affordable BMW X1 insurance quotes. You may even find the most savings is with the smaller companies. They may have significantly lower car insurance rates on certain market segments compared to the large companies like State Farm, GEICO and Nationwide.

As you restructure your insurance plan, do not reduce needed coverages to save money. In too many instances, an insured cut liability limits or collision coverage 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 the best price while not skimping on critical coverages.

Much more information about insurance in Massachusetts can be read below: