Do you want to stop overpaying and find low-cost Audi TT RS insurance in Boston? Are you regretting the purchase of an overpriced car insurance policy? Don’t sweat it because you’re not the only one.
It’s an obvious conclusion that car insurance companies don’t want customers comparing rates. Drivers who shop for lower prices will probably buy a new policy because there is a significant possibility of getting low-cost coverage. Surprisingly, a recent survey revealed that drivers who regularly compared rates saved on average $72 a month as compared to drivers who don’t regularly compare prices.
If finding budget-friendly rates on auto insurance in Boston is why you’re reading this, then learning about how to quote and compare insurance premiums can help you be more efficient.
Steps to finding low-cost Audi TT RS insurance in Boston
If saving money is your primary concern, then the best way to get budget car insurance rates is to start comparing prices regularly from providers who can sell car insurance in Boston.
- Try to learn a little about how your policy works and the steps you can take to keep rates in check. Many things that drive up the price such as accidents, careless driving, and poor credit history can be eliminated by being financially responsible and driving safely. Keep reading for the details to help reduce prices and find more discounts that you may not know about.
- Quote rates from direct carriers, independent agents, and exclusive agents. Direct companies and exclusive agencies can only give rate quotes from one company like Progressive or Allstate, while independent agents can provide price quotes from multiple insurance companies. Get quotes now
- Compare the new rates to your current policy premium to determine if you can save on TT RS insurance in Boston. If you find a lower rate and decide to switch, make sure there is no lapse between the expiration of your current policy and the new one.
A good tip to remember is that you use similar coverage information on each quote and and to get prices from as many different insurance providers as possible. This provides a fair price comparison and the best price selection.
Lots of auto insurance companies contend for your hard-earned dollar, and because of this it can be hard to compare insurance companies and uncover the absolute cheapest price on Audi TT RS insurance in Boston.
Consumers need to do rate comparisons every six months since rates are constantly changing. Just because you found the lowest premium rates on Audi TT RS insurance in Boston a couple years back there may be better deals available now. Forget anything you know (or think you know) about car insurance because we’re going to demonstrate the fastest way to save money, get proper deductibles and limits, all at the lowest rate.
If you are insured now, you will be able to find better prices using the ideas presented in this article. Buying affordable insurance in Boston can be much easier if you know how to start. Although Massachusetts vehicle owners do need to understand the way insurance companies sell insurance online and use this information to your advantage.
There are several ways of comparing rate quotes from many available car insurance companies in Massachusetts. By far the easiest way to find cheaper Audi TT RS rates is to get quotes online.
Doing price comparisons online is so simple that it makes it a waste of time to actually drive to all the different Boston insurance agencies. Buying insurance online reduces the need to sit down with an agent unless you want the peace of mind of a licensed agent. If you prefer, some companies allow you to price shop your coverage online and get advice from an agent in your area. When comparing car insurance rates, know that comparing more quotes helps increase your odds of locating better pricing. Some smaller insurers do not give online Boston TT RS insurance quotes, so it’s recommended that you also compare prices from them as well.
The companies shown below provide price quotes in Massachusetts. If you want cheap car insurance in Boston, we recommend you visit two to three different companies to get the best price comparison.
Insuring your Audi vehicle just makes sense
Even though it can be expensive, car insurance is required for several reasons.
- The majority of states have minimum liability requirements which means it is punishable by state law to not carry a minimum amount of liability protection in order to drive the car. 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.
- If your vehicle has a loan, most banks will make it a condition of the loan that you have insurance to guarantee loan repayment. If the policy lapses, the bank may insure your Audi at a much higher rate and require you to pay much more than you were paying before.
- Car insurance preserves both your vehicle and your personal assets. Insurance will also pay for all forms of medical expenses for you, any passengers, and anyone injured in an accident. One of the most valuable coverages, liability insurance, also covers all legal expenses up to the policy limit if someone files suit against you as the result of an accident. If your car is damaged in a storm or accident, comprehensive (other-than-collision) and collision coverage will pay to have it repaired.
The benefits of having car insurance more than offset the price you pay, especially for larger claims. According to a 2015 survey, the average American driver is wasting up to $750 every year so smart consumers compare quotes at least once a year to save money.
Slash rates with these rate reducing discounts
Some companies do not list all possible discounts very clearly, so below is a list both the well known and also the more inconspicuous credits available to bring down your rates.
- Defensive Driver – Taking part in a class that teaches defensive driving techniques could possibly earn you a 5% discount depending on where you live.
- Payment Discounts – By paying your policy upfront rather than paying in monthly installments you can avoid monthly service charges.
- Club Memberships – Affiliation with specific professional or occupational memberships or organizations could qualify you for a break when shopping for insurance.
- Mature Driver Discount – Drivers over the age of 55 may receive a small decrease in premiums.
- Good Grades Discount – Performing well in school could provide a savings of up to 20% or more. You can use this discount normally up to age 25.
Keep in mind that some of the credits will not apply to the entire cost. Most only apply to the cost of specific coverages such as liability, collision or medical payments. Despite the appearance that all the discounts add up to a free policy, you’re out of luck.
Some companies who might offer these benefits possibly include:
If you need affordable Boston auto insurance quotes, ask every prospective company what discounts are available to you. Some of the discounts discussed earlier might not be offered in Boston. If you would like to view insurance companies who offer insurance discounts in Boston, follow this link.
What if I want to buy from local Boston car insurance agents?
Some consumers would rather get professional advice from a licensed agent and we recommend doing that A good thing about comparing rates online is that drivers can save money and get better rates and still have a local agent. And providing support for local insurance agencies is especially important in Boston.
By using this simple form, your coverage information is emailed to participating agents in Boston who will give you quotes to get your business. It’s much easier because you don’t need to search for any insurance agencies because quoted prices will be sent to you instantly. You can find better rates without having to waste a lot of time. If you need to get a comparison quote from one company in particular, you would need to find their quoting web page and fill out the quote form the provide.
If you want to use an insurance agent, it’s helpful to know the types of agencies that you can choose from. Boston agents can be categorized as either exclusive or independent agents depending on their company appointments.
Independent Agents (or Brokers)
These agents are not limited to a single company and that enables them to quote your coverage with an assortment of companies depending on which coverage is best. If they find a lower price, your agent can just switch to a different company and you won’t have to switch agencies. If you are comparing rate quotes, we recommend you get some free quotes from multiple independent agents to get the most accurate price comparison.
Below are Boston independent insurance agents that can possibly get you free auto insurance quotes.
T. A. Holland and Co. Insurance Agency LLC
7, 60 State St – Boston, MA 02109 – (617) 523-2828 – View Map
William J Higgins Insurance
45 L St – South Boston, MA 02127 – (617) 269-4040 – View Map
H. Levenbaum Insurance Agency
1534 Dorchester Ave – Dorchester, MA 02122 – (617) 825-3900 – View Map
Exclusive Auto Insurance Agents
Exclusive insurance agents can only provide one company’s prices like American Family, State Farm, and AAA. Exclusive agents cannot provide prices from multiple companies so it’s a take it or leave it situation. Exclusive agencies are well schooled on what they offer which aids in selling service over price.
Below is a list of exclusive insurance agencies in Boston willing to provide rate 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
Finding the right insurance agent requires you to look at more than just a cheap price quote. These are some questions your agent should answer.
- Are they able to influence company decisions when a claim is filed?
- Can you get a list of referrals?
- Is the agency active in community causes in Boston?
- If you are a high risk driver, do they have special markets for your coverage?
- Which companies can they place coverage with?
- In the event of vehicle damage, can you pick the collision repair facility?
- Is insurance their full-time profession?
Best car insurance company in Boston
Choosing the top insurer is hard considering how many companies provide coverage in Massachusetts. The company ratings shown below can help you choose which car insurance providers to look at comparing price quotes from.
| Company | Value | Customer Service | Claims | Customer Satisfaction | A.M Best Rating | Overall Score |
|---|---|---|---|---|---|---|
| The General | 96 | 100 | 92 | 91% | A- | 95 |
| Mercury Insurance | 87 | 96 | 100 | 87% | A+ | 93.4 |
| Titan Insurance | 87 | 96 | 94 | 93% | A+ | 92.9 |
| The Hartford | 88 | 96 | 91 | 93% | A+ | 92.6 |
| Progressive | 84 | 94 | 99 | 90% | A+ | 92.4 |
| Travelers | 84 | 93 | 100 | 87% | A++ | 92.3 |
| State Farm | 84 | 93 | 95 | 87% | A++ | 91 |
| Farmers Insurance | 87 | 92 | 90 | 85% | A | 90.6 |
| Safeco Insurance | 85 | 91 | 87 | 86% | A | 88.4 |
| USAA | 71 | 93 | 98 | 87% | A++ | 88 |
| GEICO | 73 | 93 | 95 | 85% | A++ | 87.1 |
| 21st Century | 85 | 85 | 91 | 89% | A | 86.9 |
| Liberty Mutual | 72 | 91 | 97 | 83% | A | 86.4 |
| AAA Insurance | 85 | 85 | 88 | 86% | A | 85.8 |
| Nationwide | 71 | 90 | 93 | 83% | A+ | 84.9 |
| Allstate | 69 | 92 | 92 | 83% | A+ | 84.4 |
| American Family | 77 | 96 | 80 | 85% | A | 83.8 |
| Esurance | 70 | 80 | 89 | 77% | A+ | 79.2 |
| Compare Rates Now Go | ||||||
Data Source: Insure.com Best Car Insurance Companies
A little work can save a LOT of money
As you prepare to switch companies, make sure you don’t reduce coverage to reduce premium. There are too many instances where an insured dropped liability coverage limits only to regret they didn’t purchase enough coverage. Your objective should be to buy the best coverage you can find at the best possible price, not the least amount of coverage.
You just learned a lot of ways to save on Audi TT RS insurance in Boston. The key thing to remember is the more times you quote, the higher your chance of finding inexpensive Boston auto insurance quotes. Consumers may even find the best prices are with a small local company. These smaller insurers can often insure niche markets at a lower cost compared to the large companies like Progressive or GEICO.
Steps to finding discount Audi TT RS insurance in Boston
It takes a few minutes, but the best way to find cheaper quotes for Audi TT RS insurance in Boston is to compare prices regularly from insurance carriers who provide car insurance in Massachusetts.
- Take a little time to learn about policy coverages and the changes you can make to drop your rates. Many risk factors that result in higher prices like at-fault accidents and a poor credit rating can be controlled by being financially responsible and driving safely.
- Request rate estimates from direct carriers, independent agents, and exclusive agents. Direct companies and exclusive agencies can only quote rates from a single company like Progressive or State Farm, while independent agents can provide prices for a wide range of companies.
- Compare the price quotes to your existing policy to determine if you can save on TT RS insurance in Boston. If you can save money and change companies, ensure coverage does not lapse between policies.
- Give notification to your current company of your intent to cancel the current policy. Submit a down payment along with a signed application to the newly selected company. Don’t forget to keep your new proof of insurance paperwork in your vehicle’s glove compartment or console.
The most important part of shopping around is to try to use identical limits and deductibles on each quote and and to get price quotes from as many companies as you can. Doing this enables an apples-to-apples comparison and the best price selection.
Helpful information
- Auto Insurance FAQ (Farmers Insurance)
- Who Has the Cheapest Car Insurance for a Chevrolet Equinox in Boston? (FAQ)
- How Much are Car Insurance Rates for Electric Cars in Boston? (FAQ)
- Who Has Cheap Boston Car Insurance for Uninsured Drivers? (FAQ)
- Who Has the Cheapest Auto Insurance Rates for a School Permit in Boston? (FAQ)
- Who Has the Cheapest Boston Car Insurance Rates for a Learners Permit? (FAQ)
- Young Drivers: The High Risk Years Video (iihs.org)
- Collision Insurance Coverage (Nationwide)
- Smart Auto Insurance Tips (Insurance Information Institute)