To save the most money, the best way to get the cheapest car insurance rates is to start comparing prices regularly from providers in Boston. You can shop around by following these guidelines.
First, get a basic knowledge of individual coverages and the factors you can control to prevent high rates. Many rating criteria that drive up the price like traffic violations, accidents, and an imperfect credit rating can be eliminated by improving your driving habits or financial responsibility. Keep reading for more details to get lower rates and get bigger discounts that may have been overlooked.
Second, get rate quotes from direct, independent, and exclusive agents. Direct companies and exclusive agencies can only give rate quotes from one company like GEICO or State Farm, while independent agencies can quote rates from multiple sources.
Third, compare the new rate quotes to the premium of your current policy and determine if there is any savings. If you can save some money and switch companies, make sure there is no lapse in coverage.
Fourth, provide notification to your current company of your intention to cancel your current policy and submit payment along with a signed and completed policy application to the newly selected company. As soon as coverage is bound, put the new certificate verifying coverage with the vehicle registration.
The key aspect of shopping around is to compare identical coverage information on every quote and and to get price quotes from as many car insurance companies as possible. Doing this guarantees a level playing field and the best price quote selection.
It’s an obvious conclusion that auto insurance companies want to keep you from comparing rates. Consumers who shop rates annually will, in all likelihood, buy a new policy because there is a significant possibility of finding a lower-cost company. A recent survey found that drivers who routinely compared quotes saved an average of $850 each year as compared to drivers who don’t make a habit of comparing rates.
If finding the cheapest rates on car insurance is your ultimate goal, then having an understanding of how to get price quotes and compare insurance rates can make the process more efficient.
If you are already insured or are looking for a new policy, use these techniques to reduce premiums and still have adequate protection. Our objective is to tell you how car insurance works. Drivers just have to understand the fastest way to buy auto insurance from many different companies online.
Companies offering Lexus RC F insurance in Boston
The companies shown below can provide free rate quotes in Boston, MA. To find cheap car insurance in Boston, MA, it’s highly recommended you click on several of them to get the most competitive price.
Eight factors that impact insurance rates
It’s important that you understand the rating factors that are used to determine your policy premiums. When you know what positively or negatively influences your rates, this enables you to make decisions that will entitle you to better auto insurance rates.
- Insurance companies don’t like frequent claims – If you frequently file small claims, you can expect increased rates or even have your policy non-renewed. Auto insurance companies in Massachusetts provide the lowest premiums to people who file claims infrequently. Your car insurance is meant to be used in the event of claims that you cannot pay yourself.
- Save money by eliminating extra policy coverages – Policies have optional add-on coverages that you can buy on your auto insurance policy. Insurance for things like personal injury protection, high-cost glass coverage, and motor club memberships may be costing you every month. They may seem like a good idea when you first buy your policy, but now you might not need them so remove them from your policy.
- Cars with good safety ratings cost less to insure – Cars with high safety ratings can get you lower premiums. Safer cars reduce the chance of injuries and any reduction in injury severity translates directly to fewer claims and thus lower rates. If your Lexus earned at least four stars on Safercar.gov you are probably receiving a discount.
- The higher your credit history the lower your rates – A driver’s credit score is a large factor in determining what you pay. Insureds that have very high credit ratings tend to be better drivers and file fewer claims as compared to drivers with lower ratings. So if your credit could use some work, you could potentially save money when insuring your Lexus RC F by taking the time to improve your credit score.
- Costs are impacted by vehicle performance – The make and model of the vehicle you are trying to find cheaper insurance for makes a huge difference in your premium level. The most favorable rates are usually for low performance passenger cars, but other factors influence the final cost greatly.
- Accidents can be expensive – Attentive drivers have lower premiums compared to drivers with tickets. Even one speeding ticket can increase rates forty percent or more. Drivers with severe violations such as hit and run, DWI or reckless driving convictions might be required by their state to file a SR-22 with their state in order to legally drive a vehicle.
- Bundle policies with the same company – Lots of insurers will give lower prices for people who consolidate policies with them in the form of a multi-policy discount. The discount can be five, ten or even twenty percent. If you currently are using one company, it’s in your best interest to compare other company rates to verify if the discount is saving money.There is a chance you can find a better deal by buying insurance from more than one company.
- With age comes lower prices – Beginning drivers in Massachusetts are known to be inattentive and easily distracted when behind the wheel so they pay higher auto insurance rates. Older people are more cautious drivers, cause fewer claims and accidents, and are generally more financially stable.
Boston insurance discounts
Not many people think insurance is cheap, but discounts can save money and there are some available that you may not even be aware of. Some discounts will apply at quote time, but a few need to be inquired about before you will receive the discount.
- Use Seat Belts – Using a seat belt and requiring all passengers to buckle up before driving can save a little on the medical payments or PIP coverage costs.
- Claim-Free Discount – Insureds with no claims or accidents have much lower rates when compared with drivers who are more careless.
- Government Employee Discount – Employees or retirees of the government can save as much as 8% depending on your company.
- E-sign – A few larger companies may give you up to $50 just for signing your application on the web.
- New Vehicle Savings – Buying a new car model is cheaper due to better safety requirements for newer models.
- Drive Safe and Save – Drivers who don’t get into accidents may save up to 50% more than drivers with accident claims.
- Pay Early and Save – If you pay your bill all at once instead of making monthly payments you can avoid the installment charge.
- Driver Training Discounts – Completing a course teaching defensive driver skills could cut 5% off your bill and easily pay for the cost of the class.
Don’t be shocked that many deductions do not apply to all coverage premiums. Most only apply to individual premiums such as physical damage coverage or medical payments. So even though it sounds like having all the discounts means you get insurance for free, companies don’t profit that way.
Companies and a partial list of their discounts are shown below.
- State Farm may offer discounts for Steer Clear safe driver discount, multiple policy, good student, student away at school, defensive driving training, safe vehicle, and accident-free.
- Progressive may include discounts for continuous coverage, online signing, good student, online quote discount, and multi-vehicle.
- Travelers offers premium reductions for IntelliDrive, multi-policy, hybrid/electric vehicle, new car, home ownership, payment discounts, and good student.
- American Family offers discounts including good driver, Steer into Savings, accident-free, defensive driver, and mySafetyValet.
- Liberty Mutual may have discounts that include new vehicle discount, hybrid vehicle, new move discount, safety features, multi-policy, and good student.
Before buying, ask all the companies how you can save money. Some of the discounts discussed earlier might not be offered everywhere.
When to talk to an insurance agent
Some consumers still like to talk to an insurance agent and there is nothing wrong with that. Experienced insurance agents can help determine the best coverages and help submit paperwork. The best thing about getting online price quotes is you may find cheaper rates but also keep your business local.
For easy comparison, once you complete this quick form, your information is emailed to local insurance agents in Boston that can give you free Boston car insurance quotes for your business. You won’t even need to leave your house due to the fact that quote results will go directly to you. If you have a need to get a comparison quote from a specific insurance provider, don’t hesitate to search and find their rate quote page and fill out the quote form the provide.
Picking an insurance company shouldn’t rely on just the bottom line cost. Some important questions to ask are:
- Does the agent have a valid license to sell insurance in Massachusetts?
- What companies can they write with?
- Is insurance their full-time profession?
- What insurance companies do they recommend if they are an independent agent?
- Do you work with a CSR or direct with the agent?
- What company do they have the most business with?
Types of auto insurance agents
If you want a reputable agency, you need to know there are two different agency structures to choose from. Insurance agents in Boston can be classified as either exclusive or independent agents depending on their company appointments. Both can sell affordable insurance policies, but it is important to understand the difference in how they write coverage since it could factor into your selection of an agent.
Exclusive Insurance Agents
Exclusive insurance agents write business for a single company such as State Farm, Allstate, or Farmers Insurance. Exclusive agents cannot compare rates from other companies so it’s a take it or leave it situation. Exclusive agents are well trained on their company’s products which helps them sell on service rather than price. Consumers often use the same agent primarily because of the brand name rather than having low rates.
Shown below is a list of exclusive agents in Boston that can give you 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 Agents
Independent agencies are not employed by one company so as a result can place your coverage amongst many companies and find you cheaper rates. If they find a lower price, your policy is moved internally and the insured can keep the same agent. When comparing rate quotes, you need to include price quotes from several independent insurance agents to ensure the widest selection of prices. They often place coverage with small mutual carriers which may have better rates.
Below are independent insurance agencies in Boston that can give you comparison quotes.
- Chan Insurance Agency, Inc.
220 Harrison Ave – Boston, MA 02111 – (617) 451-6733 – View Map - Warren Insurance
764 Blue Hill Avenue – Boston, MA 02124 – (617) 265-1414 – View Map - State Fund Insurance
#1601, 100 Summer St – Boston, MA 02110 – (617) 956-9999 – View Map
After talking to the agent and getting positive feedback to your questions and low cost Lexus RC F insurance quotes, you may have just found a car insurance agent that is professional and can adequately provide insurance.
Boston car insurance companies
Buying coverage from the best auto insurance company can be rather challenging considering how many companies there are in Massachusetts. The rank data below can help you decide which companies to look at comparing price quotes from.
Top 10 Boston Car Insurance Companies Ranked by Claims Service
- Progressive
- USAA
- Liberty Mutual
- State Farm
- GEICO
- Titan Insurance
- Nationwide
- Allstate
- The General
- 21st Century
Top 10 Boston Car Insurance Companies Overall
- The General
- Mercury Insurance
- Titan Insurance
- The Hartford
- Progressive
- Travelers
- State Farm
- Farmers Insurance
- Safeco Insurance
- USAA
What is the best car insurance coverage?
When it comes to buying coverage for your personal vehicles, there really isn’t a cookie cutter policy. Every situation is different.
These are some specific questions can help discover if you might need an agent’s assistance.
- Are rental cars covered under my policy?
- Do I get a pro-rated refund if I cancel my policy early?
- Which companies will insure high-risk drivers?
- If I use my vehicle for business use is it covered?
- Do I pay less for low miles?
- When should I remove my kid from my policy?
- Why is insurance for a teen driver so high in Boston?
- Can my teen drive my company car?
- Why am I required to buy high-risk coverage?
If it’s difficult to answer those questions but one or more may apply to you, then you may want to think about talking to a licensed agent. To find an agent in your area, take a second and complete this form. It is quick, free and may give you better protection.
Persistence pays off
In this article, we covered a lot of ways to get a better price on Lexus RC F insurance in Boston. The most important thing to understand is the more rate quotes you have, the higher the chance of saving money. You may even discover the best price on auto insurance is with an unexpected company.
Some insurance providers do not offer online price quotes and these regional carriers provide coverage only through independent agents. Low-cost Lexus RC F insurance in Boston is available online and with local Boston insurance agents, so you should be comparing quotes from both to have the best selection.
When getting Boston car insurance quotes online, don’t be tempted to reduce coverage to reduce premium. There are too many instances where an accident victim reduced physical damage coverage and learned later that the small savings ended up costing them much more. Your aim should be to buy enough coverage at the lowest possible cost and still be able to protect your assets.
Additional resources
- Neck Injury FAQ (iihs.org)
- Who Has Cheap Boston Auto Insurance Rates for Drivers with a DUI? (FAQ)
- Who Has Cheap Auto Insurance Rates for Drivers with Bad Credit in Boston? (FAQ)
- Who Has Cheap Boston Auto Insurance for 16 Year Olds? (FAQ)
- Who Has Affordable Auto Insurance for Unemployed Drivers in Boston? (FAQ)
- Who Has the Cheapest Car Insurance Quotes with Multiple Speeding Tickets in Boston? (FAQ)
- Who Has the Cheapest Boston Auto Insurance Quotes for a Ford Fusion? (FAQ)
- Understanding Rental Car Insurance (Insurance Information Institute)
- Distracted Driving Statistics (Insurance Information Institute)
- Comprehensive Coverage (Liberty Mutual)