Save Money on Mitsubishi Endeavor Insurance in Boston

A recent study revealed that nearly 70% of customers have remained with the same insurance company for four years or more, and nearly the majority have never shopped around. Boston drivers can cut their rates by nearly $600 a year by just comparing rate quotes, but they assume it’s a waste of time to find cheaper insurance by shopping around.

Discount Mitsubishi Endeavor insuranceIf you want to find the absolute lowest rates, then the best way to get more affordable car insurance rates is to make a habit of regularly comparing prices from different companies in Boston. Drivers can shop around by following these guidelines.

A good tip to remember is to make sure you’re comparing similar limits and deductibles on each price quote and and to analyze as many auto insurance providers as possible. Doing this provides a level playing field and many rates to choose from.

Best companies for competitive Mitsubishi Endeavor insurance in Massachusetts

The companies shown below are ready to provide free rate quotes in Massachusetts. To buy the best cheap car insurance in Boston, we suggest you visit two to three different companies to get the best price comparison.

Mitsubishi Endeavor insurance statistics and information

The table below showcases different insurance premium costs for Mitsubishi Endeavor models. Having a better idea how policy premiums are calculated can be useful when making informed decisions when shopping around for a new policy.

Mitsubishi Endeavor Insurance Rates in Boston, MA
Model Comp Collision Liability Medical UM/UIM Annual Premium Monthly Premium
Endeavor LS 2WD $262 $478 $344 $20 $104 $1,208 $101
Endeavor LS AWD $262 $478 $344 $20 $104 $1,208 $101
Endeavor SE 2WD $262 $478 $344 $20 $104 $1,208 $101
Endeavor SE AWD $296 $478 $344 $20 $104 $1,242 $104
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Price data assumes married male driver age 40, no speeding tickets, no at-fault accidents, $100 deductibles, and Massachusetts minimum liability limits. Discounts applied include multi-vehicle, multi-policy, safe-driver, homeowner, and claim-free. Estimates do not factor in garaging location in Boston which can increase or decrease premiums greatly.

Comparison of policy deductibles

One frequently asked question is how high should your deductibles be. The following tables summarize the difference in cost when you buy lower versus higher policy deductibles. The first rate table uses a $100 physical damage coverage deductible and the second price grid uses a $1,000 deductible.

Mitsubishi Endeavor insurance premium rates with $100 deductibles
Model Comp Collision Liability Medical UM/UIM Annual Premium Monthly Premium
Endeavor LS 2WD $288 $520 $334 $20 $100 $1,287 $107
Endeavor LS AWD $288 $520 $334 $20 $100 $1,287 $107
Endeavor SE 2WD $288 $520 $334 $20 $100 $1,287 $107
Endeavor SE AWD $324 $520 $334 $20 $100 $1,323 $110
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Mitsubishi Endeavor insurance premium rates with $1,000 deductibles
Model Comp Collision Liability Medical UM/UIM Annual Premium Monthly Premium
Endeavor LS 2WD $160 $274 $334 $20 $100 $888 $74
Endeavor LS AWD $160 $274 $334 $20 $100 $888 $74
Endeavor SE 2WD $160 $274 $334 $20 $100 $888 $74
Endeavor SE AWD $180 $274 $334 $20 $100 $908 $76
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Table data represents married male driver age 30, no speeding tickets, no at-fault accidents, and Massachusetts minimum liability limits. Discounts applied include safe-driver, multi-policy, claim-free, multi-vehicle, and homeowner. Premium costs do not factor in vehicle garaging location which can decrease or increase auto insurance rates significantly.

Based on this data, using a $100 deductible will cost in the ballpark of $33 more each month or $396 every year across all Mitsubishi Endeavor models than quoting the higher $1,000 deductible. Since the policyholder would be required to pay $900 more to settle a claim with a $1,000 deductible as compared to a $100 deductible, if you normally average at a minimum 27 months between claims, you would probably save some money if you decide on a higher deductible. The table below illustrates how this calculation is made.

Average monthly premium for $100 deductibles: $108
Average monthly premium for $1,000 deductibles (subtract): – $75
Monthly savings from raising deductible: $33
Difference between deductibles ($1,000 – $100): $900
Divide difference by monthly savings: $900 / $33
Number of months required between physical damage coverage claims in order to save money by choosing the higher deductible 27 months

Poor driving habits will raise your auto insurance rates

The example below shows how speeding tickets and at-fault accidents increase Mitsubishi Endeavor premium costs for each age group. The premium estimates are based on a single female driver, comprehensive and collision coverage, $500 deductibles, and no policy discounts are applied.

Mitsubishi Endeavor annual premiums for males versus females

The chart below shows the comparison of Mitsubishi Endeavor insurance rates for male and female drivers. The data is based on no accidents or driving violations, comprehensive and collision coverage, $250 deductibles, marital status is single, and no policy discounts are applied.

Difference between full coverage and liability only rates

The example below shows the comparison of Mitsubishi Endeavor insurance rates when comparing full coverage to liability only. The rate quotes are based on no claims, a clean driving record, $100 deductibles, single marital status, and no discounts are taken into consideration.

When to drop full coverage

There is no set rule to exclude comprehensive and collision coverage on your policy, but there is a general school of thought. If the yearly cost for physical damage coverage is more than about 10% of the replacement cost minus the deductible, then you might consider buying liability only.

For example, let’s pretend your Mitsubishi Endeavor settlement value is $5,000 and you have $1,000 policy deductibles. If your vehicle is totaled, the most you would get paid by your company is $4,000 after paying your deductible. If premium cost is more than $400 annually for full coverage, then it’s probably a good time to buy liability coverage only.

There are some scenarios where dropping physical damage coverage is not a good idea. If you have an outstanding loan on your vehicle, you have to keep full coverage in order to keep the loan. Also, if you cannot afford to purchase a different vehicle in the event your current vehicle is totaled, you should not eliminate full coverage.

Companies offer lots of discounts on Mitsubishi Endeavor insurance in Boston

Not many people think insurance is cheap, but you might already qualify for some discounts that can dramatically reduce your bill. A few discounts will automatically apply when you purchase, but a few must be manually applied prior to receiving the credit.Discount car insurance

One last thing about discounts, some of the credits will not apply to the entire policy premium. Most only reduce the cost of specific coverages such as collision or personal injury protection. Just because you may think all those discounts means the company will pay you, it just doesn’t work that way.

The information below illustrates the comparison of Mitsubishi Endeavor insurance costs with and without discounts being applied to the rates. The data assumes a male driver, no claims or violations, Massachusetts state minimum liability limits, full physical damage coverage, and $500 deductibles. The first bar for each age group shows premium with no discounts. The second shows the rates with safe-driver, claim-free, homeowner, marriage, multi-car, and multi-policy discounts applied.

A few of the larger companies and the discounts they provide are detailed below.

When getting free Boston auto insurance quotes, it’s a good idea to all companies you are considering which discounts you qualify for. Some of the earlier mentioned discounts may not be available in your area. To view insurers that offer some of these discounts in Massachusetts, follow this link.

Learn How to Get Car Insurance More Affordably

Many things are used when you get your auto insurance bill. Some are pretty understandable like a motor vehicle report, although others are more obscure such as your marital status or your vehicle rating. It’s important that you understand a few of the rating criteria that are used to determine your car insurance rates. When you understand what influences your rates, this enables you to make decisions that can help you get better car insurance rates.

Shown below are some of the factors used by your company to calculate your rate level.

Which is the best insurance?

When choosing the best insurance coverage for your personal vehicles, there really is not a best way to insure your cars. Your needs are unique to you and your insurance should unique, too.Insurance savings
For example, these questions can aid in determining if your situation might need an agent’s assistance.

If you can’t answer these questions but you think they might apply to your situation then you might want to talk to a licensed insurance agent. If you don’t have a local agent, complete this form or you can go here for a list of companies in your area.

Car insurance agents can give valuable advice

Certain consumers would prefer to get advice from a local agent and doing that can be a smart decision The best thing about comparing car insurance online is you may find cheap car insurance rates and still have a local agent.

Boston insurance agentsUpon completion of this quick form, your insurance coverage information is submitted to local insurance agents that provide free Boston auto insurance quotes for your business. There is no reason to leave your computer because quoted prices will be sent directly to your email. You can most likely find cheaper rates and an insurance agent to talk to. If for some reason you want to get a price quote for a specific company, you just need to jump over to their website and submit a quote form there.

Selecting an insurer should include more criteria than just a cheap quote. Some important questions to ask are:

Two types of Boston car insurance agents

If you prefer to buy car insurance from a reliable insurance agent, there are two types of agencies and how they work. Agents in Boston are considered either exclusive agents or independent agents.

Exclusive Insurance Agents

Exclusive insurance agents are contracted to one company like State Farm, AAA, Farmers Insurance or Allstate. Exclusive agencies are unable to shop your coverage around so they have to upsell other benefits. Exclusive agents receive a lot of sales training on their products and sales techniques which aids in selling service over price.

The following are Boston exclusive insurance agents that are able to give rate quotes.

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

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

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Independent Car Insurance Agencies

These type of agents do not have single company limitations so they can write business through lots of different companies depending on which coverage is best. If your agent finds better pricing, they simply switch companies in-house and you won’t have to switch agencies. If you need lower rates, you will want to get some free quotes from multiple independent agents for maximum quote selection.

Below is a list of independent insurance agents in Boston who can help you get price quotes.

Alan J Ross Insurance Agency Inc
225 Franklin StBoston, MA 02110(617) 449-9413View Map

Massamont Insurance Agency Inc
280 Summer StBoston, MA 02210(617) 478-5205View Map

657 Gallivan BlvdBoston, MA 02124(617) 282-5659View Map

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After talking to the agent and getting good feedback to these questions and a low price estimate, most likely you have located an insurance agent that is reputable and can provide car insurance coverage.

Which auto insurance company is best in Boston?

Selecting the top car insurance provider can be challenging considering how many companies are available to choose from in Boston. The ranking information shown below could help you analyze which coverage providers you want to consider purchasing a policy from.

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
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Data Source: Best Car Insurance Companies

You can lower your insurance rates

When searching for cheaper Boston auto insurance quotes, you should never skimp on coverage in order to save money. There are too many instances where an accident victim reduced uninsured motorist or liability limits only to regret that the savings was not a smart move. Your focus should be to buy the best coverage you can find at the lowest possible cost while not skimping on critical coverages.

Cheap Mitsubishi Endeavor insurance in Boston can be purchased both online and with local Boston insurance agents, so get free Boston auto insurance quotes from both of them to have the best rate selection. There are still a few companies who may not provide online rate quotes and many times these regional insurance providers sell through local independent agencies.

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