It’s a fact that car insurance companies don’t want you quoting rates from other companies. Insureds who shop around for cheaper prices will presumably switch companies because there is a significant possibility of finding a cheaper policy. A survey found that drivers who routinely shopped around saved on average $72 a month compared to other drivers who never compared rates.
If finding the lowest price for auto insurance is your intention, knowing the best ways to shop for insurance premiums can help make the process easier and more efficient.
The best way we recommend to get more affordable car insurance rates is to compare prices regularly from different companies that sell auto insurance in Boston. Price quotes can be compared by completing these steps.
First, try to comprehend how companies set rates and the things you can control to prevent expensive coverage. Many rating criteria that cause rate increases such as tickets, at-fault accidents, and an imperfect credit rating can be controlled by making minor changes in your lifestyle. Read the full article for the details to get cheaper rates and find overlooked discounts.
Second, obtain price quotes from exclusive agents, independent agents, and direct providers. Exclusive agents and direct companies can only give prices from a single company like Progressive or Farmers Insurance, while agents who are independent can quote prices for a wide range of insurance providers.
Third, compare the new quotes to the premium of your current policy to see if a cheaper price is available in Boston. If you find a lower rate and buy the policy, ensure there is no coverage lapse between policies.
Fourth, provide proper notification to your current company of your intention to cancel your current auto insurance policy. Submit a completed application and payment for your new coverage. Immediately upon receiving it, place your new certificate verifying proof of insurance somewhere easily accessible.
One important bit of advice is to use similar coverage information on each quote and and to compare as many auto insurance providers as possible. Doing this guarantees a level playing field and maximum price selection.
How to compare free Boston Land Rover FreeLander insurance quotes
When comparison shopping, quoting more will improve the odds of getting more affordable rates.
The companies in the list below offer free rate quotes in Massachusetts. To locate cheaper auto insurance in Massachusetts, it’s highly recommended you click on several of them to get the best price comparison.
It’s not one size fits all
When quoting and comparing your policy for your vehicles, there really is no “perfect” insurance plan. Your needs are unique to you so your insurance should reflect that
For instance, these questions might help in determining whether you may require specific advice.
- What does UM/UIM cover?
- How do I insure my teen driver?
- Does my Land Rover FreeLander need full coverage?
- Are my company tools covered if they get stolen?
- Is my Land Rover FreeLander covered for smoke damage?
- Will damage be repaired with OEM parts?
- Do I have coverage when pulling a U-Haul trailer?
- Why am I required to get a high-risk car insurance policy?
- Am I covered when delivering products for my home-based business?
- What if an uninsured driver hits me?
Comparing quotes from local Boston auto insurance agents
Many drivers would prefer to sit down with an agent. A good thing about getting online price quotes is you may find better rates but also keep your business local.
Once you complete this form (opens in new window), your coverage information gets sent to agents in your area who will return price quotes for your business. You won’t even need to visit any agencies since price quotes are sent immediately to you. You’ll get the best rates and work with a local agent. If you need to get a price quote from a specific company, you just need to find their quoting web page and complete a quote there.
Selecting an insurance company should depend on more than just a cheap price. Any agent in Boston should be forthright in answering these questions:
- Are claim adjusters local or do you have to take your car somewhere else?
- Does the agent have professional designations like CIC, CPCU or AIC?
- Are they properly licensed to sell insurance in Massachusetts?
- How much training do they have in personal risk management?
- Does the agency have a good rating with the Better Business Bureau?
- Will the agent or a CSR service your policy?
- Are aftermarket or OEM parts used to repair vehicles?
If you want a reliable insurance agent, you need to know there are two types of agencies and how they operate. Agencies in Boston can be classified as either exclusive or independent (non-exclusive).
Exclusive Auto Insurance Agents
Agents of this type normally can only provide a single company’s rates and some examples include Allstate, State Farm and Farm Bureau. Exclusive agents are unable to provide other company’s prices so they really need to provide good service. Exclusive agents are highly trained on what they offer and that allows them to sell at a higher price point. Consumers frequently choose to use a exclusive agent primarily because of the brand legacy rather than low rates.
The following is a short list of exclusive insurance agencies in Boston who can help you get price quote information.
- 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 Agencies or Brokers
Agents in the independent channel do not sell for just one brand and that gives them the ability to insure through lots of different companies and find you the best rates. If you want to switch companies, an independent agent can move your coverage without you having to go to a different agency. When comparison shopping, you definitely need to get some free quotes from multiple independent agents to ensure the widest selection of prices. They also have the ability to place coverage with smaller companies who may have lower rates.
Shown below are independent agents in Boston willing to provide comparison quotes.
- H R Hatch Insurance Agency, Inc
31 Milk St #410 – Boston, MA 02109 – (617) 426-3711 – View Map
- Massachusetts Fair Plan
2 Center Plz # 800 – Boston, MA 02108 – (617) 723-3800 – View Map
- Knapp Schenck Insurance Services
1 India St #204 – Boston, MA 02109 – (617) 742-3366 – View Map