If you want to save the most money, the best way to find cheaper Ford GT insurance is to begin comparing prices regularly from providers that insure vehicles in Boston. Drivers can shop around by completing these steps.
- Step 1: Read and learn about how auto insurance works and the measures you can control to prevent expensive coverage. Many rating criteria that result in higher prices like your driving record and poor credit history can be eliminated by making small lifestyle or driving habit changes. Keep reading for information to get better rates and find hidden discounts.
- Step 2: Compare prices from independent agents, exclusive agents, and direct companies. Exclusive and direct companies can provide rates from a single company like Progressive or Allstate, while independent agencies can give you price quotes for a wide range of companies.
- Step 3: Compare the new rate quotes to your current policy premium and see if there is a cheaper rate in Boston. If you can save some money, make sure coverage does not lapse between policies.
- Step 4: Give notification to your agent or company of your intent to cancel your current auto insurance policy. Submit payment along with a signed and completed policy application for your new coverage. As soon as coverage is bound, store the certificate verifying coverage in your vehicle.
The critical component of shopping around is that you use identical limits and deductibles on every quote request and and to get rate quotes from as many companies as you can. This provides an apples-to-apples comparison and the best rate selection.
A recent auto insurance study revealed that the vast majority of consumers renewed their policy with the same company for at least the last four years, and nearly 40% of drivers have never compared auto insurance rates at all. The average driver in Boston could save nearly 45% a year just by getting comparison quotes, but they underestimate how much they could save if they switch to a new company.
Finding Ford GT insurance in Boston, Massachusetts
Most larger insurance companies make it easy to get insurance quotes from their websites. Getting online rates for Ford GT insurance in Boston doesn’t take a lot of time as you simply enter your coverage preferences as detailed in the form. After you submit the form their rating system sends out for reports for credit and driving violations and returns a price quote determined by many factors. Quoting online for Ford GT insurance in Boston simplifies rate comparisons, and it is imperative to perform this step if you want to get a lower rate.
If you want to find out how much you can save on insurance, consider comparing rates from the companies shown below. If you have your current policy handy, we recommend you copy the insurance coverages exactly as they are listed on your policy. This ensures you will receive a price comparison for exact coverage.
The providers in the list below have been selected to offer free rate quotes in Massachusetts. To find cheap car insurance in Massachusetts, we suggest you visit as many as you can to get a more complete price comparison.
Car insurance policy discounts for Ford GT insurance in Boston
Some companies do not list the entire discount list in a way that’s easy to find, so here is a list some of the best known as well as some of the hidden discounts that may be available.
- Include Life Insurance and Save – Larger companies have a discounted premium rate on car insurance if you buy some life insurance too.
- Passive Restraint Discount – Options like air bags may get savings of 25 to 30%.
- Renewal Discounts – A few car insurance companies give discounts for buying a policy early. Ten percent is about the average savings.
- Drivers Education – Teen drivers should complete a driver education course as it can save substantially.
- Early Payment Discounts – By paying your entire bill at once instead of paying each month you may have a lower total premium amount.
It’s important to note that some credits don’t apply to your bottom line cost. The majority will only reduce individual premiums such as comp or med pay. So even though it sounds like it’s possible to get free car insurance, company stockholders wouldn’t be very happy. Any amount of discount should help lower the amount you pay for coverage.
A partial list of companies that have these discounts include:
Double check with every company how you can save money. Discounts may not be available in your area. To choose providers with the best discounts in Boston, click here.
Are car insurance agents of importance?
Some people just prefer to buy from a licensed agent and that can be a great decision Experienced insurance agents can help determine the best coverages and give you someone to call. One of the benefits of getting free rate quotes online is the fact that you can find the lowest rates and still have a local agent.
To make it easy to find an agent, after completing this quick form, your coverage information is instantly submitted to participating agents in Boston who can give free rate quotes and help you find cheaper coverage. It makes it easy because there is no need to contact an agency because quoted prices will be sent to your email. If you need to get a comparison quote from a specific company, you would need to find their quoting web page and fill out the quote form the provide.
Picking an insurer shouldn’t rely on just a cheap price. These are some valid questions you should ask.
- If you have an accident, are you able to get your vehicle repaired at the shop of your choice?
- How often do they review coverages?
- Does the company use OEM repair parts?
- Will they make sure you get an adequate claim settlement?
- Are claim adjusters local or do you have to take your car somewhere else?
- Are they actively involved in the community?
- Are you getting all the discounts the company offers?
Choose the right car insurance agent
When finding a local insurance agency, it’s important to understand the different types of agencies and how they function. Boston agents can be categorized as either independent agents or exclusive agents. Both can sell auto insurance policies, but it’s important to know the differences because it can factor into the selection process.
Exclusive Auto Insurance Agents
Agents that elect to be exclusive work for only one company and examples are State Farm, Allstate and AAA. Exclusive agents are unable to compare rates from other companies so they have to upsell other benefits. These agents receive extensive training on the products they sell which can be an advantage.
Below are exclusive agencies in Boston that can give you rate quotes.
Independent Auto Insurance Agents
Agents of this type do not sell for just one brand so as a result can place your coverage with many different companies and find the cheapest rate. If your premiums go up, they can switch companies in-house and you stay with the same agent. If you need cheaper auto insurance rates, we recommend you include multiple independent agents to get the best comparison.
Below are independent agencies in Boston that are able to give price quotes.
Massamont Insurance Agency Inc
280 Summer St – Boston, MA 02210 – (617) 478-5205 – View Map
Your situation helps dictate your coverage
When quoting and choosing proper insurance coverage, there is no cookie cutter policy. Everyone’s situation is unique and your insurance should be unique as well.
For instance, these questions can help discover whether or not you might need professional guidance.
- Can I make deliveries for my home business?
- Do I need more liability coverage?
- What exactly is covered by my policy?
- Can I drive in Mexico and have coverage?
- Is my trailer covered?
- Do I get a pro-rated refund if I cancel my policy early?
If it’s difficult to answer those questions but you think they might apply to your situation then you might want to talk to an insurance agent. To find an agent in your area, take a second and complete this form or go to this page to view a list of companies. It’s fast, free and may give you better protection.
Boston auto insurance company ratings
Insuring your vehicle with the top car insurance provider is difficult considering how many companies there are in Boston. The company ratings in the lists below may help you analyze which companies to look at when looking for cheaper rates.
Top 10 Boston Car Insurance Companies Ranked by Customer Satisfaction
- Titan Insurance – 93%
- The Hartford – 93%
- The General – 91%
- Progressive – 90%
- 21st Century – 89%
- USAA – 87%
- State Farm – 87%
- Travelers – 87%
- Mercury Insurance – 87%
- Safeco Insurance – 86%
Top 10 Boston Car Insurance Companies Overall
- The General
- Mercury Insurance
- Titan Insurance
- The Hartford
- State Farm
- Farmers Insurance
- Safeco Insurance
Educate yourself about auto insurance coverages
Knowing the specifics of your policy can be of help when determining which coverages you need at the best deductibles and correct limits. Policy terminology can be confusing and nobody wants to actually read their policy. Below you’ll find typical coverage types offered by auto insurance companies.
This pays to fix your vehicle from damage from a wide range of events other than collision. You first have to pay a deductible then the remaining damage will be covered by your comprehensive coverage.
Comprehensive can pay for claims like damage from flooding, hitting a bird and damage from a tornado or hurricane. The maximum amount you’ll receive from a claim is the ACV or actual cash value, so if the vehicle is not worth much consider removing comprehensive coverage.
Medical payments coverage and PIP
Personal Injury Protection (PIP) and medical payments coverage provide coverage for immediate expenses like ambulance fees, hospital visits, chiropractic care, nursing services and doctor visits. They are often utilized in addition to your health insurance policy or if you lack health insurance entirely. Coverage applies to both the driver and occupants and also covers if you are hit as a while walking down the street. PIP is not available in all states and gives slightly broader coverage than med pay
Uninsured/Underinsured Motorist coverage
This coverage protects you and your vehicle’s occupants from other drivers when they are uninsured or don’t have enough coverage. Covered claims include hospital bills for your injuries and damage to your Ford GT.
Since many Massachusetts drivers have only the minimum liability required by law (20/40/5 in Massachusetts), it doesn’t take a major accident to exceed their coverage limits. So UM/UIM coverage is a good idea.
This can cover damages or injuries you inflict on people or other property in an accident. It protects you from claims by other people, and doesn’t cover your injuries or vehicle damage.
Coverage consists of three different limits, per person bodily injury, per accident bodily injury, and a property damage limit. Your policy might show liability limits of 20/40/5 which stand for a $20,000 limit per person for injuries, a per accident bodily injury limit of $40,000, and property damage coverage for $5,000.
Liability insurance covers claims such as repair bills for other people’s vehicles, pain and suffering, emergency aid and medical expenses. How much liability should you purchase? That is a personal decision, but you should buy as much as you can afford. Massachusetts requires drivers to carry at least 20/40/5 but drivers should carry higher limits.
The next chart shows why minimum state limits may not be adequate coverage.
Collision insurance covers damage to your GT from colliding with another car or object. A deductible applies and then insurance will cover the remainder.
Collision insurance covers things such as sustaining damage from a pot hole, hitting a mailbox, colliding with a tree, damaging your car on a curb and scraping a guard rail. This coverage can be expensive, so consider removing coverage from lower value vehicles. Drivers also have the option to increase the deductible on your GT to bring the cost down.
Don’t give up on cheap rates
We just covered a lot of tips how to get a better price on Ford GT insurance in Boston. The most important thing to understand is the more times you quote, the better your chances of lowering your rates. You may even find the best prices are with the smaller companies. Smaller companies can often provide lower rates in certain areas compared to the large companies like Allstate, GEICO and Progressive.
While you’re price shopping online, never sacrifice coverage to reduce premiums. There have been many situations where an insured dropped uninsured motorist or liability limits only to discover later they didn’t have enough coverage. Your aim should be to buy a smart amount of coverage for the lowest cost while not skimping on critical coverages.
To learn more, feel free to visit the articles below:
- Steps to Take After an Auto Accident (Insurance Information Institute)
- How Much are Auto Insurance Rates for a Toyota Tacoma in Boston? (FAQ)
- Five Tips to Save on Auto Insurance (Insurance Information Institute)
- Frontal Crash Tests (iihs.org)