If you want to save the most money, the best way to find cheaper quotes for auto insurance rates in Boston is to make a habit of regularly comparing prices from insurance carriers that insure vehicles in Massachusetts. Rate comparisons can be done by completing these steps.
Step 1: Read about how car insurance works and the things you can control to keep rates in check. Many risk factors that drive up the price like accidents, careless driving, and an imperfect credit score can be remedied by paying attention to minor details. Read the full article for more information to help reduce prices and find overlooked discounts.
Step 2: Request price quotes from direct, independent, and exclusive agents. Direct companies and exclusive agencies can give quotes from one company like Progressive and State Farm, while independent agents can provide rate quotes from multiple sources. View companies
Step 3: Compare the new rates to your existing rates to see if you can save by switching companies. If you find a better price, make sure there is no lapse between the expiration of your current policy and the new one.
Step 4: Give proper notification to your current agent or company to cancel your current coverage and submit a down payment along with a signed application to the new company. As soon as you can, store the proof of insurance paperwork in a readily accessible location in your vehicle.
A valuable tip to remember is to compare the same liability limits and deductibles on every quote request and and to compare as many carriers as you can. Doing this guarantees a fair price comparison and a better comparison of the market.
It goes without saying that insurance companies don’t want policyholders to compare prices from other companies. Drivers who shop rates annually are very likely to switch to a new company because they have good chances of finding a lower rate. A recent study showed that consumers who compared price quotes annually saved on average $3,500 over four years compared to policyholders who didn’t regularly shop around.
If finding the best price on car insurance is your objective, then knowing how to get free comparison quotes and analyze cheaper coverage can save money and time.
The car insurance companies shown below have been selected to offer quotes in Boston, MA. If you want the best car insurance in Boston, we recommend you get price quotes from several of them in order to get a fair rate comparison.
The information displayed next showcases a range of insurance costs for Pontiac G6 models. Having insight into how rate quotes are formulated can be valuable when making smart buying decisions.
|Model||Comp||Collision||Liability||Medical||UM/UIM||Annual Premium||Monthly Premium|
|G6 4-Dr Sedan||$138||$268||$350||$20||$106||$882||$74|
|Get Your Own Custom Quote Go|
Prices based on married female driver age 40, no speeding tickets, no at-fault accidents, $1000 deductibles, and Massachusetts minimum liability limits. Discounts applied include claim-free, multi-vehicle, homeowner, multi-policy, and safe-driver. Prices do not factor in your specific Boston location which can alter auto insurance rates noticeably.
Full coverage versus liability-only in Boston
The example below illustrates the difference between Pontiac G6 annual premium costs with and without full coverage. The premiums assume no accidents or driving violations, $500 deductibles, single status, and no policy discounts are applied.
Deciding between full coverage and liability only
There is no definitive guideline to stop paying for comprehensive and collision coverage on your policy, but there is a general guideline you can use. If the yearly cost of full coverage is more than around 10% of replacement cost minus your deductible, then you might consider buying liability only.
For example, let’s say your Pontiac G6 replacement value is $7,000 and you have $1,000 full coverage deductibles. If your vehicle is severely damaged, the most you would get paid by your company is $6,000 after paying your policy deductible. If you are currently paying more than $600 a year for comprehensive and collision coverage, then you might want to consider buying only liability coverage.
There are a few cases where buying only liability insurance is not financially feasible. If you haven’t satisfied your loan, you have to keep full coverage to satisfy the loan requirements. Also, if you can’t afford to buy a different vehicle if your current one is in an accident, you should keep full coverage.
What if I want to buy from local Boston auto insurance agents?
A small number of people would rather visit with an insurance agent and that can be a great decision Good insurance agents can answer important questions and help you file claims. One of the great benefits of comparing rates online is that you can obtain better rates and also buy local.
To help locate an agent, after submitting this quick form, your insurance coverage information is immediately sent to participating agents in Boston who will give you bids for your insurance coverage. You never need to even leave your home since rate quotes are delivered to you instantly. If you wish to compare rates from one company in particular, don’t hesitate to navigate to their website and complete a quote there.
Choosing the best insurance company shouldn’t rely on just the quoted price. These are some valid questions you should ask.
- Who is covered by the car insurance policy?
- Do they regularly work with personal auto policies in Boston?
- Is the agent properly licensed in Massachusetts?
- How long have they been in business?
- What companies can they write with?
When looking for a reputable agency, it’s important to understand the types of agencies and how they are distinctly different. Insurance policy providers may be either independent or exclusive. Either can insure your vehicles properly, but it’s a good idea to understand how they are different since it may influence which agent you choose.
Exclusive Insurance Agents
These type of agents work for only one company such as Allstate, Farmers Insurance, State Farm, and AAA. Exclusive agents cannot shop your coverage around so you might not find the best rates. Exclusive agents are well schooled on what they offer which helps them sell on service rather than price.
Below are exclusive agents in Boston who can help you get price quote information.
Independent Insurance Agents
Agents in the independent channel are not limited to a single company so they can quote policies with lots of companies and help determine which has the cheapest rates. If prices rise, the agent simply finds a different carrier which requires no work on your part.
If you are comparing rate quotes, you will definitely want to include rate quotes from at a minimum one independent agency to maximize your price options.
The following are Boston independent agencies that can give you price quotes.
American Agency Systems Insurance
156 Porter St – Boston, MA 02128 – (617) 418-5089 – View Map
Massachusetts auto insurance companies
Choosing the best car insurance provider can be challenging considering how many choices you have in Massachusetts. The company ratings in the next section can help you select which coverage providers to look at comparing rates from.
Top 10 Boston Car Insurance Companies Overall
- The General
- Mercury Insurance
- Titan Insurance
- The Hartford
- State Farm
- Farmers Insurance
- Safeco Insurance
Top 10 Boston Car Insurance Companies Ranked by Customer Service
- Mercury Insurance
- Titan Insurance
- The Hartford
- American Family
- State Farm