Would you like to buy more competitive Volvo V90 insurance in Boston? Feel like you have overpriced Volvo V90 insurance in Boston? It’s a common feeling and many Boston drivers feel the same as you.
It’s hard to believe, but over 70% of consumers have remained with the same car insurance company for more than four years, and about 40% of consumers have never even compared rates from other companies. With the average premium in America being $1,847, drivers could pocket as much as 46.5% a year just by comparing rates, but most tend to underestimate how much money they would save if they switched to a cheaper policy. Due to the increasing number of online and local companies to choose from, it is hard for the average consumer to locate the lowest price car insurance provider.
It’s a great practice to price shop coverage at least once a year because prices change regularly. Even if you think you had the best rates on Volvo V90 insurance in Boston last year a different company probably has better premium rates today. Ignore everything you know about car insurance because you’re about to learn one of the easiest ways to properly buy coverages while reducing your premium.
Finding and buying the lowest cost insurance in Boston is not as hard as you think. If you already have coverage or just want cheaper coverage, you will benefit by learning to shop for the lowest rates without reducing protection. Smart shoppers just need to understand the fastest way to buy insurance instantly.
The providers in the list below offer comparison quotes in Massachusetts. To get cheaper auto insurance in Massachusetts, we suggest you get rate quotes from several of them to get the most competitive price.
Save a ton by getting discounts
Some providers don’t necessarily list every possible discount very well, so the list below contains some of the best known as well as some of the hidden discounts that may be available.
- College Student – Children who live away from home at college and do not have a car can receive lower rates.
- Include Life Insurance and Save – Not every insurance company offers life insurance, but if they do you may earn better rates if you take out auto and life insurance together.
- Discount for Swiching Early – A few car insurance companies offer discounts for switching to them early. It’s a savings of about 10%.
- Membership in Organizations – Joining qualifying clubs or civic groups is a good way to get lower rates on car insurance.
- Passive Restraint Discount – Vehicles with factory air bags can qualify for discounts of 20% or more.
- Military Discounts – Being deployed with a military unit could be rewarded with lower car insurance rates.
- Drive Safe and Save – Safe drivers can save up to 40% or more on their Boston car insurance quote than less cautious drivers.
- Policy Bundle Discount – If you can combine your auto and homeowners policy and insure them with the same company they may give you a discount of at least 10 to 15 percent or more.
- Mature Driver Discount – Drivers over the age of 55 are able to get better car insurance rates.
- Accident Free – Good drivers with no accidents get the best car insurance rates in comparison with policyholders that have many claims.
Discounts reduce rates, but you should keep in mind that most discount credits are not given to the entire cost. A few only apply to the cost of specific coverages such as physical damage coverage or medical payments. Even though it may seem like all those discounts means the company will pay you, companies don’t profit that way.
Companies and the discounts they provide are outlined below.
- State Farm has discounts for student away at school, Drive Safe & Save, driver’s education, multiple autos, passive restraint, Steer Clear safe driver discount, and safe vehicle.
- Progressive offers discounts including good student, online quote discount, online signing, homeowner, continuous coverage, multi-policy, and multi-vehicle.
- Progressive has savings for good student, continuous coverage, multi-policy, online quote discount, online signing, and homeowner.
- MetLife offers premium reductions for claim-free, defensive driver, good driver, accident-free, and good student.
- Farm Bureau may have discounts that include youthful driver, multi-vehicle, safe driver, driver training, multi-policy, renewal discount, and good student.
- GEICO policyholders can earn discounts including seat belt use, good student, multi-vehicle, federal employee, military active duty, and emergency military deployment.
- SAFECO includes discounts for teen safe driver, safe driver, accident prevention training, bundle discounts, drive less, anti-theft, and teen safety rewards.
When comparing rates, check with every company to apply every possible discount. Savings might not be offered in Boston. If you would like to see a list of providers that have a full spectrum of discounts in Massachusetts, follow this link.
Massachusetts auto insurance companies ranked
Buying coverage from a highly-rated insurance company can be a challenge considering how many companies sell coverage in Massachusetts. The company rank data displayed below could help you decide which providers to look at comparing rate quotes with.
Top 10 Boston Car Insurance Companies Ranked by Value
- The General
- The Hartford
- Farmers Insurance
- Titan Insurance
- Mercury Insurance
- 21st Century
- Safeco Insurance
- AAA Insurance
- State Farm
- Travelers
Top 10 Boston Car Insurance Companies Overall
- The General
- Mercury Insurance
- Titan Insurance
- The Hartford
- Progressive
- Travelers
- State Farm
- Farmers Insurance
- Safeco Insurance
- USAA
How Insurance Companies Calculate Volvo V90 Insurance Premiums
Multiple criteria are used when you get your auto insurance bill. Some are obvious such as traffic violations, but others are less apparent like your continuous coverage or your vehicle rating. A large part of saving on car insurance is knowing some of the things that come into play when calculating the rates you pay for car insurance. If you know what influences your rates, this enables you to make decisions that could help you find lower premium levels.
The following are some of the things used by insurance companies to determine your prices.
Proper usage rating affects prices – Driving more miles in a year’s time the higher your rates will be. Many insurance companies charge to insure your cars based upon how you use the vehicle. Vehicles that have low annual miles get more affordable rates than cars that get driven a lot. Incorrect rating for your V90 may be costing you higher rates. It’s always a good idea to double check that your car insurance coverage is showing the proper vehicle usage.
Male costs may be higher – Statistics show that men are more aggressive behind the wheel. The data does not necessarily mean that women are better drivers. Males and females are in fender benders in similar numbers, but the men have costlier accidents. Men also statistically get cited for more serious violations like driving under the influence (DUI).
Lower coverage deductibles cost more – Physical damage coverage, also called ‘full coverage’, helps pay for damage to your vehicle. Examples of covered claims are a broken windshield, collision with an animal, and damage caused by flying debris. Comp and collision deductibles represent how much money you are willing to pay before your car insurance pays a claim. The more money you have to pay, the less your company will charge you for insurance.
Being married can lower premiums – Walking down the aisle may save some money compared to being single. It generally demonstrates drivers are less irresponsible and statistics show married drivers get in fewer accidents.
Lower performance equals lower insurance costs – The performance of the vehicle you need to insure makes a big difference in your rates. The lowest performance passenger cars receive the most favorable rates, but many other things help determine your insurance rates.
Is your vehicle theft-ready? – Choosing to buy a car with a theft deterrent system can earn a premium discount. Advanced theft deterrents like GM’s OnStar, tamper alarm systems and vehicle immobilizers all hinder vehicle theft.
Location can affect price – Choosing to live in a rural area is a good thing when it comes to car insurance. Lower population translates into fewer accidents in addition to fewer liability claims. People in densely populated areas have much more traffic and longer commutes to work. Longer commute distances means more chance of being in an accident.