It’s a fact that auto insurance companies don’t want you to compare rates. Drivers who get comparison quotes once a year will presumably switch to a new company because they have good chances of finding a lower-priced policy. A recent study showed that drivers who shopped around every year saved about $3,400 over four years compared to other drivers who never compared rates.
If finding low prices for Ford Fiesta insurance in Boston is your ultimate target, then having an understanding of how to quote prices and compare insurance premiums can make it easier to find better rates.
It takes a few minutes, but the best way to get affordable Ford Fiesta insurance in Boston is to make a habit of comparing prices annually from different companies who provide auto insurance in Massachusetts. You can compare rates by following these guidelines.
Step 1: Get an understanding of what is in your policy and the measures you can take to drop your rates. Many rating factors that are responsible for high rates such as accidents, careless driving, and an imperfect credit rating can be amended by making minor changes to your lifestyle.
Step 2: Compare price quotes from independent agents, exclusive agents, and direct companies. Direct and exclusive agents can only give rate quotes from one company like GEICO or Allstate, while independent agencies can give you price quotes from multiple companies.
Step 3: Compare the quotes to the premium of your current policy to see if a cheaper rate is available. If you find a lower rate quote and switch companies, make sure coverage does not lapse between policies.
Step 4: Give proper notification to your current agent or company of your intent to cancel your current auto insurance policy. Submit the completed application along with a down payment for the new coverage. Once the paperwork is finalized, place the new proof of insurance certificate along with your vehicle registration.
A key point to remember is to use identical deductibles and limits on each price quote and and to get rate quotes from every insurance company. Doing this helps ensure a fair rate comparison and the best price quote selection.
Cheaper Ford Fiesta insurance quotes in Boston
Auto insurance companies don’t always advertise all discounts very clearly, so the following list contains some of the best known and the harder-to-find discounts that you can inquire about if you buy Boston auto insurance online.
- Sign Early and Save – A few larger companies offer discounts for switching companies before your current coverage expires. This can save 10% or more.
- Lower Rates for Military – Being on active deployment in the military could be rewarded with lower premium rates.
- College Student – Kids who are attending college and do not have access to a covered vehicle could get you a discount.
- Multi-car Discount – Having primary and secondary vehicles with one company can get a discount for every vehicle.
- Life Insurance Discount – Not all insurance companies offer life insurance, but some may give you a lower rate if you buy a life policy as well.
Discounts lower rates, but most of the big mark downs will not be given to the whole policy. Most only apply to specific coverage prices like comprehensive or collision. So when it seems like all those discounts means the company will pay you, insurance companies aren’t that generous.
For a list of insurers who offer discounts in Boston, click here to view.
Many insurance companies such as Progressive, Allstate and GEICO give coverage price quotes on the web. Comparing Ford Fiesta insurance rates online is pretty painless as you just enter your required coverages as detailed in the form. After you submit the form their rating system makes automated requests for your credit score and driving record and quotes a price based on the data you entered.
The ability to get online quotes for Ford Fiesta insurance in Boston makes it easy to compare insurance prices and it’s very important to perform this step if you want to get a lower rate.
In order to compare rates now, compare quotes from the companies shown below. To compare your current rates, we recommend you input the coverage information identical to your current policy. This ensures you will get a fair comparison based on similar coverages.
The following companies are our best choices to provide price quotes in Massachusetts. To locate the cheapest car insurance in MA, we recommend you compare several of them to get the cheapest price.
Local Boston insurance agencies
A small number of people would rather have an agent’s advice and that can be a smart move A good thing about comparing rate quotes online is you can get lower rates but still work with a licensed agent. And supporting neighborhood agents is important especially in Boston.
After completing this form (opens in new window), the quote information is submitted to participating agents in Boston who can give free rate quotes for your coverage. You never need to drive around because quoted prices will be sent straight to your inbox. Get lower rates without requiring a lot of work. If you need to get a comparison quote for a specific company, feel free to find their quoting web page and submit a quote form there.
Compare rates from both independent and exclusive auto insurance agents
When narrowing the list to find a local agent, it helps to know the two different agency structures and how they can service your needs differently. Agents in Boston can be classified as either exclusive or independent agents depending on their company appointments.
Independent Agencies or Brokers
Agents that choose to be independent often have many company appointments so they can quote policies with lots of companies and potentially find a lower price. To transfer your coverage to a different company, they simply switch companies in-house and you don’t have to do anything.
When searching for an agent, you definitely need to contact a few independent agents to have the best price comparison. Many independent agencies also insure through small regional insurance companies which can save you money.
Featured below is a short list of independent agencies in Boston that can possibly get you comparison quotes.
- MassDrive Insurance Group, LLC
241 A St – Boston, MA 02210 – (866) 963-8231 – View Map
- Boyd Insurance Agency
296 Bennington St – Boston, MA 02128 – (617) 567-5710 – View Map
- Allston Insurance Agency, Inc.
1065 Commonwealth Avenue # 3 – Boston, MA 02215 – (617) 562-8200 – View Map
Exclusive Insurance Agents
Agents in the exclusive channel normally can only provide a single company’s rates and examples are State Farm or Allstate. These agents are not able to compare rates from other companies so keep that in mind. They are well trained in insurance sales and that can be a competitive advantage. Some people will only choose to use an exclusive agent mostly because of high brand loyalty and the convenience of having a single billing for all their coverages.
Shown below is a short list of exclusive insurance agents in Boston that can give you price quote information.
- AAA Boston
125 High St – Boston, MA 02110 – (617) 443-9300 – View Map
- Allstate Insurance: Abner Joseph
571 Dudley St Ste A – Boston, MA 02125 – (617) 442-9490 – View Map
Deciding on an insurance agent should include more criteria than just a cheap quote. Get answers to these questions too.
- Are they properly licensed to sell insurance in Massachusetts?
- Does the agency provide any after hours assistance?
- Are you getting all the discounts the company offers?
- How long has their agency been in business in Boston?
- Which companies can they place coverage with?
- Will one accident increase rates?
- In the event of vehicle damage, can you pick the collision repair facility?
Cheap car insurance rates are possible
Insureds who switch companies do it for many reasons like policy cancellation, poor customer service, high prices or even delays in responding to claim requests. No matter why you want to switch, finding a great new company can be less work than you think.
When buying insurance coverage, it’s a bad idea to buy poor coverage just to save money. There are a lot of situations where drivers have reduced full coverage only to regret that their decision to reduce coverage ended up costing them more. Your strategy should be to find the BEST coverage at a price you can afford, but do not skimp to save money.
Lower-priced car insurance in Boston can be sourced from both online companies in addition to many Boston insurance agents, so you should be comparing quotes from both to have the best chance of lowering rates. Some insurance providers don’t offer internet price quotes and these small insurance companies provide coverage only through local independent agents.
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