To save the most money, the best way to find more affordable Chevy SS insurance is to compare prices regularly from providers who provide car insurance in Boston.
- Take a little time to learn about what is in your policy and the measures you can control to prevent expensive coverage. Many policy risk factors that increase rates like at-fault accidents, speeding tickets, and an imperfect credit history can be amended by making lifestyle changes or driving safer.
- Obtain price quotes from exclusive agents, independent agents, and direct providers. Direct and exclusive agents can provide rates from a single company like GEICO and Allstate, while independent agents can provide rate quotes from multiple sources.
- Compare the new rates to your existing policy to see if a cheaper price is available in Boston. If you find a lower rate, make sure there is no lapse between the expiration of your current policy and the new one.
- Tell your current company of your intention to cancel your current coverage. Submit a down payment along with a signed application to your new insurance company. Once received, place your new proof of insurance certificate in an easily accessible location.
An important part of this process is to use identical deductibles and limits on every quote and and to compare as many different insurance providers as possible. Doing this enables an apples-to-apples comparison and the best price quote selection.
It’s safe to assume that car insurance companies don’t want you to look for a cheaper policy. Consumers who do rate comparisons are very likely to buy a new policy because of the high probability of finding lower prices. A recent insurance study revealed that people who regularly compared price quotes saved $70 a month compared to those who don’t regularly compare prices.
If finding budget-friendly rates on car insurance in Boston is your target objective, then having a good understanding how to find and compare insurance premiums can help simplify the process.
Choosing the best rates in Boston is actually quite easy if you know where to start. Nearly anyone who wants cheaper car insurance stands a good chance to find better rates. But Massachusetts drivers must understand the way companies charge you for coverage because rates fluctuate considerably.
Affordable companies for Chevy SS insurance
The car insurance companies shown below offer comparison quotes in Massachusetts. If multiple companies are listed, we recommend you get prices from several of them in order to find the lowest rates.
Lower rate quotes on Chevy SS insurance in Boston with these six discounts
Some insurers do not list all their discounts in an easy-to-find place, so we break down a few of the more well known as well as the least known credits available to bring down your rates.
- Low Mileage Discounts – Keeping the miles down on your Chevy could be rewarded with discounted premium rates on garaged vehicles.
- Clubs and Organizations – Belonging to certain professional organizations could trigger savings on your bill.
- Claim-Free Discount – Boston drivers who stay claim-free get the best auto insurance rates as compared to drivers with a long claim history.
- Discount for Good Grades – Maintaining excellent grades could provide a savings of up to 20% or more. Most companies allow this discount well after school through age 25.
- Policy Bundle Discount – If you have multiple policies with one insurance company you will save 10% to 20% off each policy.
- Passenger Safety Discount – Factory air bags or motorized seat belts may earn rate discounts of 25 to 30%.
Don’t be surprised that most credits do not apply to the entire cost. A few only apply to the price of certain insurance coverages like collision or personal injury protection. If you do the math and it seems like all those discounts means the company will pay you, you’re out of luck.
Auto insurance companies that have these money-saving discounts include:
Before you buy a policy, ask each company or agent to apply every possible discount. Savings may not apply to policyholders in Boston.
Local agents and auto insurance
Many drivers still prefer to go talk to an agent and that can be a smart move One of the benefits of getting online price quotes is the fact that drivers can get the lowest rates and still buy from a local agent.
After completing this quick form, your insurance coverage information is immediately sent to agents in your area who will give you bids for your auto insurance coverage. There is no need to contact any insurance agencies because quoted prices will be sent instantly to you. You can most likely find cheaper rates without a big time investment. In the event you want to get a price quote for a specific company, you can always search and find their rate quote page and fill out their quote form.
Choosing an company requires more thought than just a cheap price. These are some questions your agent should answer.
- Can they give you a list of client referrals?
- If you are a high risk driver, do they have special markets for your coverage?
- Are they involved in claim handling?
- Do they regularly work with personal auto policies in Boston?
- Will they make sure you get an adequate claim settlement?
- Do they prorate repair cost based on vehicle mileage?
- Do they have cheaper tiers of coverage?
If you need to find a reliable insurance agency, it’s important to understand the different types of agencies and how they can service your needs differently. Agencies in Boston can either be independent (non-exclusive) or exclusive.
Exclusive Insurance Agents
Agents that elect to be exclusive can only provide one company’s prices such as Allstate, Farmers Insurance or State Farm. Exclusive agents cannot provide other company’s prices so they are skilled at selling on more than just price. Exclusive insurance agents are trained well on their products and sales techniques and that enables them to sell even at higher rates. Consumers frequently choose to use a exclusive agent partially due to the brand legacy rather than having the cheapest rates.
The following are Boston exclusive agencies who can help you get comparison quotes.
- Allstate Insurance: Abner Joseph
571 Dudley St Ste A – Boston, MA 02125 – (617) 442-9490 – View Map - AAA Boston
125 High St – Boston, MA 02110 – (617) 443-9300 – View Map
Independent Agents
Independent agents do not write with just one company and that enables them to quote your coverage through lots of different companies and find you cheaper rates. If you want to switch companies, they simply move your policy to a different company which requires no work on your part. If you need lower rates, you definitely need to include price quotes from a few independent agents to maximize your price options. Most independent agents also contract with additional companies that you may not be familiar with that can offer cheaper rates than bigger companies.
The following are Boston independent insurance agencies that can give you comparison quotes.
- Knapp Schenck Insurance Services
1 India St #204 – Boston, MA 02109 – (617) 742-3366 – View Map - Chan Insurance Agency, Inc.
220 Harrison Ave – Boston, MA 02111 – (617) 451-6733 – View Map - Arbella Insurance
120 Middlesex Ave – Somerville, MA 02145 – (617) 666-0222 – View Map
If you receive good responses to all your questions as well as a price you’re happy with, most likely you have located an auto insurance agent that will provide auto insurance coverage. But remember, you can cancel your coverage when you choose so don’t feel that you’re stuck with a specific company for the full policy term.
Best auto insurance in Massachusetts
Ending up with the best car insurance provider is hard considering how many companies provide coverage in Boston. The company ratings displayed below could help you select which providers to look at when shopping around.
Top 10 Boston Car Insurance Companies Ranked by Customer Service
- Mercury Insurance
- Titan Insurance
- The Hartford
- American Family
- Progressive
- USAA
- Travelers
- State Farm
- GEICO
- Allstate
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+
Do I need special coverages?
When quoting and comparing coverage online or from an agent for your vehicles, there isn’t really a “best” method to buy coverage. Every situation is different and your insurance should be unique as well.
For instance, these questions can aid in determining if your insurance needs might need professional guidance.
- Am I insured when driving a different vehicle?
- Am I covered by my employer’s commercial auto policy when driving my personal car for business?
- Should I put collision coverage on all my vehicles?
- Is motorclub coverage worth it?
- What is an adequate liability insurance limit?
- Am I covered if I wreck a rental car?
- What exactly is covered by my policy?
- I have a DUI can I still get coverage?
- Can my teen driver be rated on a liability-only vehicle?
- Can I get a multi-policy discount?
If you’re not sure about those questions but one or more may apply to you, you may need to chat with a licensed insurance agent. If you don’t have a local agent, fill out this quick form or you can go here for a list of companies in your area.
Auto insurance coverages and their meanings
Having a good grasp of a auto insurance policy can help you determine the best coverages and proper limits and deductibles. Auto insurance terms can be confusing and reading a policy is terribly boring. Shown next are typical coverage types found on most auto insurance policies.
UM/UIM (Uninsured/Underinsured Motorist) coverage
Uninsured or Underinsured Motorist coverage protects you and your vehicle’s occupants when other motorists either have no liability insurance or not enough. It can pay for medical payments for you and your occupants as well as your vehicle’s damage.
Because many people carry very low liability coverage limits (20/40/5), it only takes a small accident to exceed their coverage. For this reason, having high UM/UIM coverages should not be overlooked.
Medical payments and PIP coverage
Coverage for medical payments and/or PIP pay for immediate expenses for things like doctor visits, nursing services, rehabilitation expenses and funeral costs. The coverages can be used to fill the gap from your health insurance plan or if there is no health insurance coverage. They cover not only the driver but also the vehicle occupants and also covers being hit by a car walking across the street. PIP coverage is not an option in every state and gives slightly broader coverage than med pay
Liability
Liability insurance will cover damage that occurs to other’s property or people by causing an accident. Coverage consists of three different limits, bodily injury per person, bodily injury per accident and property damage. Your policy might show values of 20/40/5 that means you have $20,000 in coverage for each person’s injuries, $40,000 for the entire accident, and a limit of $5,000 paid for damaged property.
Liability can pay for things such as pain and suffering, repair bills for other people’s vehicles, structural damage and legal defense fees. How much coverage you buy is your choice, but it’s cheap coverage so purchase higher limits if possible. Massachusetts state minimum liability requirements are 20/40/5 but it’s recommended drivers buy more coverage.
The illustration below demonstrates why buying low liability limits may not be adequate coverage.
Comprehensive auto coverage
This coverage covers damage that is not covered by collision coverage. You need to pay your deductible first and the remainder of the damage will be paid by comprehensive coverage.
Comprehensive coverage pays for things such as hail damage, a broken windshield, rock chips in glass and damage from getting keyed. The highest amount a auto insurance company will pay at claim time is the cash value of the vehicle, so if the vehicle’s value is low it’s not worth carrying full coverage.
Coverage for collisions
Collision coverage pays to fix your vehicle from damage resulting from colliding with an object or car. You will need to pay your deductible and the rest of the damage will be paid by collision coverage.
Collision insurance covers claims such as hitting a mailbox, hitting a parking meter, colliding with a tree, scraping a guard rail and backing into a parked car. This coverage can be expensive, so consider dropping it from vehicles that are 8 years or older. Another option is to raise the deductible on your SS to get cheaper collision coverage.
Find affordable insurance prices by comparing often
When trying to cut insurance costs, you should never reduce coverage to reduce premium. There are a lot of situations where an insured cut full coverage only to find out they didn’t have enough coverage. Your goal is to purchase plenty of coverage for the lowest price, but don’t skip important coverages to save money.
Cost effective Chevy SS insurance is available both online as well as from insurance agents, and you should be comparing both to have the best chance of lowering rates. Some insurance providers may not have online quoting and these small insurance companies prefer to sell through independent agencies.
More tips and info about insurance is located in the articles below:
- Tools for Teen Driving Safety (State Farm)
- What is the Best Auto Insurance in Boston, Massachusetts? (FAQ)
- Who Has Affordable Boston Auto Insurance for 4×4 Vehicles? (FAQ)
- What Insurance is Cheapest for First-time Drivers in Boston? (FAQ)
- How Much are Auto Insurance Quotes for a Chevrolet Traverse in Boston? (FAQ)
- Who Has Cheap Boston Auto Insurance for Government Employees? (FAQ)
- Who Has Cheap Car Insurance Rates After a Speeding Ticket in Boston? (FAQ)
- What Insurance is Cheapest for Safe Drivers in Boston? (FAQ)
- Who Has Cheap Boston Auto Insurance for 19 Year Olds? (FAQ)
- Safety Features for Your New Car (State Farm)
- State Laws for Cellphones and Texting (iihs.org)
- Front crash protection reduces rear-end crashes (Insurance Institute for Highway Safety)