Save Money on Hyundai Ioniq Insurance in Boston

A recent survey discovered that nearly 70% of customers have bought insurance from the same company for at least the last four years, and nearly 40% of drivers have never even shopped around for affordable coverage. Many consumers in Massachusetts could save an average of up to $588 each year, but most just don’t grasp how much savings they would realize if they changed companies.

Insurance quote for Hyundai Ioniq in BostonIt takes a little time, but the best way to get budget Hyundai Ioniq insurance in Boston is to start comparing prices regularly from different companies that insure vehicles in Massachusetts. Rates can be compared by following these steps.

Step 1: Try to understand individual coverages and the factors you can control to keep rates down. Many things that result in higher rates such as high-risk driving behaviors and a poor credit score can be amended by making lifestyle changes or driving safer.

Step 2: Compare prices from direct, independent, and exclusive agents. Direct and exclusive agents can provide rates from one company like GEICO and Allstate, while agents who are independent can provide rate quotes from multiple sources.

Step 3: Compare the price quotes to your existing rates to determine if switching companies saves money. If you find a better price and switch companies, make sure there is no lapse between the expiration of your current policy and the new one.

Step 4: Notify your agent or company to cancel your current policy and submit payment along with a signed and completed policy application to your new company or agent. Once received, keep your new proof of insurance certificate with the vehicle registration.

One important bit of advice is to use the same liability limits and deductibles on every quote and and to get price estimates from as many auto insurance providers as possible. This provides a level playing field and a good representation of prices.

To get cheaper Boston car insurance quotes, there a variety of ways to compare rate quotes from many available auto insurance companies in Massachusetts. One of the best ways to compare Hyundai Ioniq insurance prices involves getting comparison quotes online.

Comparison shopping price quotes online is easy and it takes the place of having to go to insurance agents’ offices. Quoting and buying Hyundai Ioniq insurance online eliminates this option unless you have a complicated situation and need the trained guidance that only a licensed agent can provide. However, consumers can comparison shop your insurance online and still use a local agent.

When quoting auto insurance, remember that comparing a large number of companies helps improve the odds of finding better pricing.

The companies in the list below have been selected to offer price quotes in Massachusetts. If you want cheaper auto insurance in Boston, it’s a good idea that you compare several of them in order to get a fair rate comparison.

Three reasons to not skimp on insurance

Despite the fact that insurance is not cheap in Boston, maintaining insurance is required by state law in Massachusetts and it also provides benefits you may not be aware of.

The benefits of buying insurance greatly outweigh the cost, especially for larger claims. Unknowingly, the average driver is overpaying over $865 each year so it’s very important to do a rate comparison once a year at a minimum to be sure current rates are still competitive.

Take advantage of these ten discounts

Insuring your fleet can be pricey, but you might already qualify for some discounts to cut the cost considerably. Certain credits will be shown when you get a quote, but a few must be asked for before you get the savings.Car insurance discounts

Remember that most credits do not apply to your bottom line cost. Most only apply to individual premiums such as liability and collision coverage. Even though the math looks like you would end up receiving a 100% discount, you aren’t that lucky.

A list of companies and their possible discounts are outlined below.

It’s a good idea to ask all the companies which discounts can lower your rates. Some discounts listed above may not apply in Boston. To view insurers with the best discounts in Boston, follow this link.

How much auto insurance do I need?

When quoting and choosing adequate coverage for your vehicles, there really is no cookie cutter policy. Your needs are not the same as everyone else’s.Auto insurance savings

Here are some questions about coverages that might point out whether you will benefit from professional help.

If it’s difficult to answer those questions but you think they might apply to your situation then you might want to talk to an agent. If you don’t have a local agent, simply complete this short form.

When should I have guidance from an agent?

A small number of people prefer to buy from a licensed agent and often times that is recommended An additional benefit of getting free rate quotes online is the fact that drivers can get better rates and still choose a local agent.

Find insurance agent in BostonTo make it easy to find an agent, after completing this short form, your insurance data is instantly submitted to local insurance agents that can provide free Boston car insurance quotes and help you find cheaper coverage. There is no need to find an agent because prices are sent instantly to you. Get lower rates and a licensed agent to work with. If you need to compare prices from a specific company, don’t hesitate to navigate to their website and complete a quote there.

Finding the right insurance company should depend on more than just the bottom line cost. Any good agent in Boston should know the answers to these questions.

Two types of car insurance agents

If you want to use a local insurance agency, you must know there are a couple different agency structures and how they differ in how they quote coverages. Agents are categorized either independent or exclusive depending on the company they work for.

Exclusive Agencies

Exclusive agents can only place business with one company like Allstate and State Farm. They generally cannot provide rate quotes from other companies so if the price isn’t competitive there isn’t much they can do. Exclusive insurance agents are well trained on their company’s products which helps them compete with independent agents.

Listed below is a list of exclusive agencies in Boston that are able to give price quote information.

571 Dudley St Ste ABoston, MA 02125(617) 442-9490View Map

125 High StBoston, MA 02110(617) 443-9300View Map

More Boston agents

Independent Agencies or Brokers

Independent insurance agents are not restricted to one company and that is an advantage because they can write policies with a variety of different insurance companies and get you the best rates possible. If they find a cheaper price, they simply move the coverage in-house which is easy for the insured.

When comparison shopping, we recommend you get insurance quotes from multiple independent agents to get the best comparison.

The following is a list of independent agencies in Boston that can give you price quotes.

8 Clarendon StBoston, MA 02116(617) 437-9400View Map

1148 Washington StBoston, MA 02118(617) 338-8168View Map

120 Middlesex AveSomerville, MA 02145(617) 666-0222View Map

More Boston agents

Car insurance coverage information

Having a good grasp of insurance helps when choosing the right coverages and proper limits and deductibles. The coverage terms in a policy can be impossible to understand and nobody wants to actually read their policy.

Medical payments and PIP coverage

Med pay and PIP coverage reimburse you for expenses for things like surgery, prosthetic devices and EMT expenses. The coverages can be used in conjunction with a health insurance policy or if you do not have health coverage. Coverage applies to not only the driver but also the vehicle occupants and also covers if you are hit as a while walking down the street. PIP coverage is not available in all states and may carry a deductible

UM/UIM (Uninsured/Underinsured Motorist) coverage

Uninsured or Underinsured Motorist coverage protects you and your vehicle’s occupants when other motorists are uninsured or don’t have enough coverage. Covered claims include injuries to you and your family as well as your vehicle’s damage.

Since a lot of drivers only carry the minimum required liability limits (Massachusetts limits are 20/40/5), their limits can quickly be used up. This is the reason having UM/UIM coverage is a good idea.

Comprehensive auto coverage

This coverage pays to fix your vehicle from damage caused by mother nature, theft, vandalism and other events. A deductible will apply and then insurance will cover the rest of the damage.

Comprehensive can pay for things such as damage from getting keyed, a broken windshield, damage from flooding, vandalism and hitting a deer. The maximum payout you’ll receive from a claim is the actual cash value, so if it’s not worth much more than your deductible consider dropping full coverage.


This coverage provides protection from damages or injuries you inflict on people or other property in an accident. Coverage consists of three different limits, per person bodily injury, per accident bodily injury, and a property damage limit. You might see values of 20/40/5 which means a limit of $20,000 per injured person, a total of $40,000 of bodily injury coverage per accident, and $5,000 of coverage for damaged property.

Liability coverage pays for claims like loss of income, structural damage, bail bonds and repair costs for stationary objects. How much liability should you purchase? That is a decision to put some thought into, but you should buy higher limits if possible. Massachusetts requires minimum liability limits of 20/40/5 but you should consider buying better liability coverage.

The chart below demonstrates why low liability limits may not be enough.

Collision protection

Collision insurance pays to fix your vehicle from damage from colliding with another car or object. You have to pay a deductible then your collision coverage will kick in.

Collision can pay for claims such as hitting a mailbox, crashing into a building, sideswiping another vehicle and crashing into a ditch. This coverage can be expensive, so you might think about dropping it from older vehicles. It’s also possible to choose a higher deductible on your Ioniq in order to get cheaper collision rates.

Best auto insurance in Boston

Insuring your vehicle with the best company can be challenging considering how many companies provide coverage in Massachusetts. The ranking data in the lists below can help you select which companies you want to consider putting your business with.

Top Auto Insurance Companies in Massachusetts
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: Best Car Insurance Companies

A conclusion for your insurance search

Consumers leave their current company for many reasons like delays in responding to claim requests, poor customer service, policy cancellation or high rates after DUI convictions. It doesn’t matter why you want to switch finding a new insurance company is actually quite simple.

Cheap Hyundai Ioniq insurance in Boston can be bought both online and from local insurance agents, and you need to comparison shop both in order to have the best price selection to choose from. A few companies may not have rates over the internet and these smaller companies only sell coverage through local independent agents.

We just showed you a lot of tips how to find cheap Hyundai Ioniq insurance in Boston. The key thing to remember is the more you quote Boston car insurance, the better chance you’ll have of finding low cost Boston car insurance quotes. You may even find the lowest priced insurance comes from a lesser-known regional company.

Additional information is available below: