The recommended way to get low-cost Tesla Model S insurance in Boston is to regularly compare price quotes from providers that sell auto insurance in Massachusetts. Rates can be compared by following these steps.
Step 1: Try to comprehend what is in your policy and the measures you can control to prevent expensive coverage. Many rating factors that result in higher rates like tickets, at-fault accidents, and a less-than-favorable credit history can be eliminated by improving your driving habits or financial responsibility.
Step 2: Compare rates from direct, independent, and exclusive agents. Direct and exclusive agents can provide rates from one company like GEICO or State Farm, while agents who are independent can give you price quotes from multiple sources. View insurance agents
Step 3: Compare the new quotes to your existing rates and determine if there is any savings. If you can save money and decide to switch, make sure there is no coverage gap between policies.
The critical component of shopping around is to use the same physical damage deductibles and liability limits on each quote request and and to look at as many companies as possible. Doing this guarantees a level playing field and maximum price selection.
Unbelievable but true, the vast majority of drivers have been with the same company for over three years, and almost 40% of drivers have never compared rate quotes at all. Most drivers in Boston can save up to $588 each year just by getting comparison quotes, but most just don’t grasp how much they could save if they swap their current policy for a cheaper one.
Most of the larger companies like State Farm, GEICO and Progressive give insurance quotes online. Doing online price comparisons for Tesla Model S insurance in Boston is possible for anyone as you just enter the coverage amounts you desire on the page. Upon sending the form, their system automatically orders your credit score and driving record and generates a price.
Using the web to get price quotes for Tesla Model S insurance in Boston makes comparing rates easy, and it’s very important to get many rate quotes in order to get the most affordable possible premiums on car insurance.
To save time and fill out one form to compare multiple rates now, compare quotes from the companies shown below. If you have your current policy handy, we recommend you enter the coverage information exactly as they are listed on your policy. This way, you will have a price comparison for similar coverage.
The companies shown below provide quotes in Boston, MA. If you wish to find the best cheap auto insurance in Boston, MA, it’s highly recommended you visit several of them in order to get a fair rate comparison.
Auto insurance policy discounts you can’t miss
Insuring your fleet can be pricey, but you might already qualify for some discounts that could help you make your next renewal payment. Some discounts will apply when you get a quote, but less common discounts must be specifically requested before they will apply. If you do not double check each discount possible, you are not getting the best rate possible.
- Safe Drivers – Drivers who don’t get into accidents can pay as much as 50% less as compared to drivers with claims.
- Discounts for Government Workers – Having worked for a branch of the government can earn a discount up to 10% with a few auto insurance companies.
- E-sign Discounts – Some auto insurance companies may give you up to $50 just for signing your application on the internet.
- Senior Citizen Rates – Mature drivers can get a small decrease in premiums.
- Passive Restraints – Vehicles equipped with air bags or motorized seat belts may earn rate discounts as much as 30%.
- Driver Training Discounts – Completing a class that teaches defensive driving techniques could possibly earn you a 5% discount depending on where you live.
As a disclaimer on discounts, most discount credits are not given to the entire policy premium. Most only cut specific coverage prices like medical payments or collision. If you do the math and it seems like you can get free auto insurance, insurance companies wouldn’t stay in business. Any qualifying discounts will bring down your policy premiums.
A few companies that have most of these discounts are:
Before buying, ask all companies you are considering how you can save money. Some discounts may not apply to policyholders in Boston. To find auto insurance companies that provide some of the discounts listed above in Boston, follow this link.
Auto insurance is not optional
Despite the fact that auto insurance is not cheap in Boston, paying for auto insurance serves several important purposes.
First, just about all states have minimum liability requirements which means it is punishable by state law to not carry specific limits of liability protection in order to license the vehicle. In Massachusetts these limits are 20/40/5 which means you must have $20,000 of bodily injury coverage per person, $40,000 of bodily injury coverage per accident, and $5,000 of property damage coverage.
Second, if you have a loan on your car, more than likely the lender will require you to have full coverage to guarantee their interest in the vehicle. If you cancel or allow the policy to lapse, the lender may insure your Tesla at a much higher rate and require you to fork over the higher premium.
Third, insurance protects both your assets and your vehicle. Insurance will pay for medical bills that are the result of an accident. One policy coverage, liability insurance, also pays for attorney fees and expenses if anyone sues you for causing an accident. If mother nature or an accident damages your car, your auto insurance policy will pay to restore your vehicle to like-new condition.
The benefits of having auto insurance are definitely more than the cost, especially for larger claims. According to a 2015 survey, the average American driver is overpaying more than $865 each year so shop around once a year at a minimum to ensure rates are competitive.
Can’t I get rate quotes from local Boston car insurance agents?
Many drivers would rather buy from a local agent and doing so can bring peace of mind Most agents are trained to spot inefficiencies and help in the event of a claim. The biggest benefit of getting free rate quotes online is you may find cheap rate quotes but also keep your business local. And providing support for neighborhood insurance agencies is still important in Boston.
To find an agent, once you fill out this form (opens in new window), your coverage information is submitted to local insurance agents who can give free rate quotes for your insurance coverage. It simplifies rate comparisons since you won’t have to contact any insurance agencies because quoted prices will be sent directly to your email. If you need to get a rate quote from a specific insurance provider, feel free to navigate to their website to submit a rate quote request.
When looking for a local Boston insurance agent, it’s helpful to know the types of insurance agents and how they operate. Insurance agencies in Boston are considered either independent or exclusive. Both types of agents can insure your vehicles properly, but it is important to understand the difference in the companies they write for since it can impact the kind of agent you use.
Independent Insurance Agencies
Agents of this type do not write with just one company so they can insure your vehicles with an assortment of companies and get you the best rates possible. If they find a cheaper price, your policy is moved internally which makes it simple for you. When comparing rates, you will want to get several quotes from a couple of independent agencies so that you have a good selection of quotes to compare. Most have the option of insuring with companies you’ve never heard of who may have lower rates.
The following is a small list of independent agents in Boston that can possibly get you rate quotes.
- Boyd Insurance Agency
296 Bennington St – Boston, MA 02128 – (617) 567-5710 – View Map
- Flynn Insurance Agency, Inc.
30 Park St – Boston, MA 02129 – (617) 242-1200 – View Map
- KW Insurance
1361 Cambridge St – Cambridge, MA 02141 – (617) 492-4150 – View Map
Exclusive Insurance Agents
These type of agents work for only one company such as State Farm, Allstate, or Farmers Insurance. Exclusive agents cannot compare rates from other companies so they have to upsell other benefits. Exclusive agents receive a lot of sales training on their company’s products which aids in selling service over price. Consumers frequently buy from the same agent for years mostly because of the brand legacy and strong financial ratings.
Listed below are exclusive insurance agents in Boston willing to provide price 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
Deciding on an car insurance agent is decision based upon more than just a cheap price quote. Below are some questions you should ask.
- Is the agent CPCU or CIC certified?
- Is every driver in your family covered?
- How long has their agency been in business in Boston?
- When do they do policy reviews?
- Will they take your side in the event of a claim?