Cheapest Insurance for a Toyota Yaris in Boston

Insurance for Toyota YarisAre you doing reasearch to find low-cost Toyota Yaris insurance in Boston? Searching for better insurance prices for a Toyota Yaris in Massachusetts could be a lot of work, but you can learn these tips to find lower rates. There are more efficient ways to shop for auto insurance so we’re going to tell you the best way to get price quotes for a Toyota and obtain the cheapest rates from both online companies and Boston agents.

Locating the most cost-effective auto insurance policy in Boston is much easier if you know where to start. If you are insured now or are just looking to switch companies, you can use these techniques to get lower rates without reducing protection. Smart shoppers just have to understand how to find the lowest price using one simple form.

The quickest way to get policy rate comparisons for Toyota Yaris insurance in Boston is to realize all the major auto insurance companies participate in a system to compare rate quotes. All you need to do is take a few minutes to give details like how many miles driven, if it has an alarm system, coverage limits, and if your license is active. The data gets sent immediately to multiple different insurance companies and they return quotes almost instantly.

To check rates for your car now, click here and enter the information requested.

The companies shown below offer free rate quotes in Massachusetts. If multiple companies are listed, we suggest you get rate quotes from several of them in order to get a fair rate comparison.

Three reasons to insure your Toyota vehicle

Despite the high insurance cost for a Toyota Yaris in Boston, insuring your vehicle is required in Massachusetts but it also protects you in many ways.

First, the majority of states have minimum mandated liability insurance limits which means you are required to carry a specific minimum amount of liability insurance coverage 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.

Second, if you have a lien on your vehicle, more than likely the lender will make it mandatory that you carry insurance to ensure the loan is repaid in case of a total loss. If you default on your policy, the bank may insure your Toyota at a much higher premium rate and require you to pay for the much more expensive policy.

Third, insurance safeguards both your Toyota Yaris and your personal assets. It will also reimburse you for medical bills for you, any passengers, and anyone injured in an accident. Liability insurance will also pay attorney fees if you are sued as the result of your driving. If your vehicle suffers damage from an accident or hail, collision and comprehensive (also known as other-than-collision) coverage will cover the repair costs.

The benefits of buying enough insurance more than cancel out the cost, especially when you need to use it. An average driver in America is overpaying more than $825 a year so we recommend shopping around every year to save money.

Rates and data analysis

The information displayed next highlights different insurance coverage prices for Toyota Yaris models. Having a good grasp of how rates are figured is important for making smart choices when comparing insurance quotes.

Toyota Yaris Insurance Rates in Boston, MA
Model Comp Collision Liability Medical UM/UIM Annual Premium Monthly Premium
Yaris 2-Dr Hatchback $244 $510 $386 $22 $116 $1,278 $107
Yaris 4-Dr Hatchback $244 $510 $340 $20 $102 $1,216 $101
Yaris 4-Dr Sedan $244 $510 $340 $20 $102 $1,216 $101
Yaris S 2-Dr Hatchback $278 $510 $386 $22 $116 $1,312 $109
Yaris S 4-Dr Hatchback $278 $510 $340 $20 $102 $1,250 $104
Yaris S 4-Dr Sedan $278 $510 $340 $20 $102 $1,250 $104
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Price data assumes married female driver age 30, no speeding tickets, no at-fault accidents, $100 deductibles, and Massachusetts minimum liability limits. Discounts applied include safe-driver, multi-vehicle, homeowner, multi-policy, and claim-free. Premium costs do not factor in vehicle garaging location which can lower or raise insurance rates noticeably.

Physical damage deductibles: Should you raise them?

The hardest decision when buying coverage is where to set your physical damage deductibles. The premium rates below determine how much more you’ll pay between high and low physical damage deductibles. The first set of prices uses a $100 physical damage coverage deductible and the second set of rates uses a $500 deductible.

Toyota Yaris insurance with $100 deductibles
Model Comp Collision Liability Medical UM/UIM Annual Premium Monthly Premium
Yaris 2-Dr Hatchback $250 $520 $378 $22 $114 $1,309 $109
Yaris 4-Dr Hatchback $250 $520 $334 $20 $100 $1,249 $104
Yaris 4-Dr Sedan $250 $520 $334 $20 $100 $1,249 $104
Yaris S 2-Dr Hatchback $288 $520 $378 $22 $114 $1,347 $112
Yaris S 4-Dr Hatchback $288 $520 $334 $20 $100 $1,287 $107
Yaris S 4-Dr Sedan $288 $520 $334 $20 $100 $1,287 $107
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Toyota Yaris insurance with $500 deductibles
Model Comp Collision Liability Medical UM/UIM Annual Premium Monthly Premium
Yaris 2-Dr Hatchback $182 $350 $378 $22 $114 $1,046 $87
Yaris 4-Dr Hatchback $182 $350 $334 $20 $100 $986 $82
Yaris 4-Dr Sedan $182 $350 $334 $20 $100 $986 $82
Yaris S 2-Dr Hatchback $210 $350 $378 $22 $114 $1,074 $90
Yaris S 4-Dr Hatchback $210 $350 $334 $20 $100 $1,014 $85
Yaris S 4-Dr Sedan $210 $350 $334 $20 $100 $1,014 $85
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Above prices assume married male driver age 30, no speeding tickets, no at-fault accidents, and Massachusetts minimum liability limits. Discounts applied include safe-driver, claim-free, multi-vehicle, multi-policy, and homeowner. Price estimates do not factor in garaging location in Boston which can impact rates significantly.

Using the data above, we can ascertain that using a $100 deductible costs roughly $22 more each month or $264 a year averaged for all Yaris models than quoting the higher $500 deductible. Since the policyholder would be required to pay $400 more out of your own pocket with a $500 deductible as compared to a $100 deductible, if you usually have at a minimum 18 months between claims, you would most likely save money if you elect the higher deductible.

Driving violations and accidents

The example below shows how traffic citations and accidents can impact Toyota Yaris car insurance rates for different age groups. The premiums are based on a single female driver, full physical damage coverage, $250 deductibles, and no policy discounts are applied.

Auto insurance discounts are available to lower rates

Companies offering auto insurance do not advertise all discounts in an easy-to-find place, so the list below details a few of the more common as well as the least known discounts that may be available.Auto insurance discounts

One last thing about discounts, some of the credits will not apply to the whole policy. Some only apply to the price of certain insurance coverages like comprehensive or collision. Even though the math looks like you can get free auto insurance, companies don’t profit that way.

The information below illustrates the comparison of Toyota Yaris car insurance costs with and without discounts being applied to the rates. The premiums are based on a male driver, a clean driving record, no claims, Massachusetts state minimum liability limits, comprehensive and collision coverage, and $500 deductibles. The first bar for each age group shows premium with no discounts. The second shows the rates with claim-free, multi-policy, homeowner, safe-driver, multi-car, and marriage discounts applied.

Popular auto insurance companies and the discounts they provide are outlined below.

Before purchasing a policy, check with every insurance company to apply every possible discount. Some of the discounts discussed earlier might not be offered on policies everywhere.

Local insurance agents

A lot of people still like to get advice from a local agent and that can be a smart move Good agents are highly skilled in risk management and give you someone to call. The best thing about comparing rates online is that you can obtain better rates and still choose a local agent.

Boston insurance agentsUpon completion of this simple form, your information is submitted to participating agents in Boston who will give you quotes for your car insurance coverage. It makes it easy because there is no need to even leave your home because prices are sent to your email. If for some reason you want to compare rates for a specific company, feel free to jump over to their website and fill out the quote form the provide.

Choosing the best provider needs to be determined by more than just a cheap price. Any agent in Boston should have no problem answering these questions:

Do you need an independent or exclusive auto insurance agent?

When narrowing the list to find an insurance agent, you must know there are a couple different agency structures and how they are distinctly different. Agents can be categorized as either exclusive or independent (non-exclusive). Either can properly insure your vehicles, but we need to point out the difference in how they write coverage since it could factor into buying decisions.

Exclusive Agencies

Exclusive agencies can usually just insure with one company like State Farm, Allstate and AAA. They are unable to shop your coverage around so they have to upsell other benefits. These agents are well schooled on sales techniques which aids in selling service over price. Some consumers prefer to buy from exclusive agents primarily because of the prominent brand name rather than low rates.

Below is a list of exclusive agencies in Boston who may provide you with comparison quotes.

More Boston agents

Independent Insurance Agents

Independent agencies are not employed by any specific company so they can insure your vehicles with an assortment of companies depending on which coverage is best. If your agent finds better pricing, your agent can just switch to a different company and you don’t have to do anything. When comparing rates, we highly recommend that you compare prices from a few independent agents to maximize your price options. Most also write with small regional insurance companies that many times have cheaper rates.

Shown below is a list of independent insurance agencies in Boston who can help you get price quotes.

More Boston agents

Massachusetts auto insurance company ratings

Ending up with the right car insurance company can be rather challenging considering how many companies there are in Massachusetts. The company rank data below could help you pick which insurers you want to consider when comparing rates.

Top 10 Boston Car Insurance Companies Ranked by Claims Service

  1. Progressive
  2. USAA
  3. Liberty Mutual
  4. State Farm
  5. GEICO
  6. Titan Insurance
  7. Nationwide
  8. Allstate
  9. The General
  10. 21st Century

Top 10 Boston Car Insurance Companies Ranked by Customer Service

  1. Mercury Insurance
  2. Titan Insurance
  3. The Hartford
  4. American Family
  5. Progressive
  6. USAA
  7. Travelers
  8. State Farm
  9. GEICO
  10. Allstate

A conclusion for your auto insurance search

We just showed you some good ideas how to get a better price on Toyota Yaris insurance in Boston. The most important thing to understand is the more companies you get rates for, the higher your chance of finding affordable Toyota Yaris insurance quotes. Consumers may even find the lowest prices come from a company that doesn’t do a lot of advertising.

Consumers change insurance companies for any number of reasons including unfair underwriting practices, high prices, high rates after DUI convictions or even policy non-renewal. No matter why you want to switch, finding a new auto insurance company can be pretty painless.

When searching for low cost Boston auto insurance quotes, you should never reduce coverage to reduce premium. In too many instances, drivers have reduced liability limits or collision coverage only to regret that it was a big error on their part. The goal is to buy enough coverage for the lowest price and still be able to protect your assets.

Steps to buying cheaper Toyota Yaris insurance in Boston

The best way to find cheaper prices for car insurance rates is to start doing a yearly price comparison from different companies who can sell car insurance in Boston. You can shop around by completing these steps.

  1. It will benefit you to learn about what is in your policy and the things you can control to drop your rates. Many policy risk factors that result in higher prices such as multiple speeding tickets and an imperfect credit history can be remedied by being financially responsible and driving safely.
  2. Request rate estimates from direct, independent, and exclusive agents. Direct companies and exclusive agencies can only give prices from a single company like Progressive or Farmers Insurance, while independent agents can give you price quotes from many different companies.
  3. Compare the new rate quotes to the premium of your current policy to see if you can save by switching companies. If you find a lower rate quote, make sure there is no coverage gap between policies.
  4. Notify your current company to cancel your current coverage. Submit a down payment along with a completed application to your new company or agent. When you receive it, store the certificate verifying coverage with the vehicle registration.

The critical component of shopping around is to compare the same physical damage deductibles and liability limits on each price quote and and to get quotes from every company you can. This helps ensure a level playing field and the most accurate and complete price analysis.

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