Truthfully, the best way to find affordable quotes for car insurance rates in Boston is to make a habit of regularly comparing prices from different companies in Massachusetts.
First, spend a few minutes and learn about how insurance companies determine prices and the measures you can take to prevent expensive coverage. Many rating factors that drive up the price such as at-fault accidents, speeding tickets, and a bad credit score can be eliminated by making small lifestyle or driving habit changes. Later in this article we will cover the details to find cheap prices and find more discounts that you may not know about.
Second, compare price quotes from exclusive agents, independent agents, and direct providers. Direct companies and exclusive agencies can give quotes from a single company like Progressive or Allstate, while independent agencies can provide prices for a wide range of insurance providers.
Third, compare the new rate quotes to your existing rates to see if a cheaper rate is available. If you find better rates and decide to switch, make sure coverage does not lapse between policies.
Fourth, notify your company or agent to cancel your current policy and submit a down payment along with a signed application to your new company or agent. Don’t forget to place the new certificate of insurance with your registration paperwork.
A crucial key to this process is that you’ll want to compare identical limits and deductibles on every quote request and to quote with as many carriers as you can. This provides a level playing field and a complete rate analysis.
Everyone knows that car insurance companies want to prevent you from shopping around. Consumers who compare rates at least once a year are likely to switch to a new company because there is a great chance of finding a lower-cost company. A recent survey discovered that consumers who compared rate quotes regularly saved about $850 each year as compared to drivers who don’t regularly compare prices.
If finding the cheapest rates on auto insurance in Boston is your intention, then having a good understanding how to shop for coverage rates can make it easier to find better rates.
Most larger insurance companies allow consumers to get coverage price quotes on the web. This process is pretty easy as you simply enter your personal and coverage information as requested by the quote form. When complete, the company’s rating system requests reports for credit and driving violations and returns pricing information determined by many factors.
Getting online rate quotes for Volkswagen Atlas insurance in Boston makes comparing rates easy, and it’s also necessary to have as many quotes as possible in order to get the most affordable auto insurance rates.
To save time and find out how much you’re overpaying now, consider comparing rates from the companies shown below. If you have coverage now, it’s recommended you copy the coverage information identical to your current policy. This makes sure you will have a fair comparison based on identical coverages.
The companies shown below can provide comparison quotes in Massachusetts. To buy the cheapest car insurance in Boston, MA, it’s highly recommended you compare several of them to find the most affordable auto insurance rates.
Choosing the best vehicle insurance in Massachusetts is an important decision
Despite the high insurance cost for a Volkswagen Atlas in Boston, car insurance serves a purpose in several ways.
First, the majority of states have mandatory liability insurance requirements which means you are required to carry a specific level of liability coverage if you don’t want to risk a ticket. 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 bought your Atlas with a loan, most lenders will make it a condition of the loan that you carry insurance to guarantee loan repayment. If you cancel or allow the policy to lapse, the bank may insure your Volkswagen at a significantly higher premium and require you to pay the higher premium.
Third, insurance safeguards both your assets and your vehicle. It also can pay for all forms of medical expenses for yourself as well as anyone injured by you. Liability coverage also covers all legal expenses up to the policy limit if you are sued as the result of an accident. If damage is caused by hail or an accident, your car insurance policy will pay to have it repaired.
The benefits of carrying enough insurance more than offset the price you pay, particularly if you ever have a claim. On average, a vehicle owner in Boston overpays more than $850 per year so you should quote and compare rates once a year at a minimum to make sure the price is not too high.
Insurance discounts help lower rates for Volkswagen Atlas insurance in Boston
Some providers don’t always list all available discounts very clearly, so the following is a list of some of the more common and the harder-to-find discounts you could be receiving when you buy Boston car insurance online.
- ABS Braking Discount – Cars and trucks with ABS braking systems or traction control are safer to drive and earn discounts up to 10%.
- Theft Deterrent System – Vehicles that have factory anti-theft systems are less likely to be stolen and can earn a small discount on your policy.
- Sign Early and Save – A few insurance companies give discounts for signing up prior to the expiration date on your current Atlas insurance policy. It can save you around 10%.
- Multi-Vehicle Discounts – Buying insurance for multiple vehicles on the same insurance policy could earn a price break for each car.
- Professional Memberships – Belonging to a professional or civic organization is a simple method to lower premiums on insurance.
One last thing about discounts, some credits don’t apply to all coverage premiums. Some only reduce the cost of specific coverages such as medical payments or collision. Despite the appearance that all the discounts add up to a free policy, it just doesn’t work that way.
Some of the insurance companies that may have these benefits may include but are not limited to:
It’s a good idea to ask every prospective company what discounts are available to you. All car insurance discounts may not apply to policyholders in Boston. To find insurers with discount insurance rates in Massachusetts, click here to view.
Comparing rates from local Boston insurance agencies
A lot of people just prefer to buy from a local agent and we recommend doing that A nice benefit of comparing rate quotes online is the fact that you can find cheap car insurance rates and still buy from a local agent. And providing support for neighborhood insurance agencies is important particularly in Boston.
After filling out this short form, the coverage information is emailed to insurance agents in Boston who will give you quotes for your insurance coverage. There is no reason to search for an agent because prices are sent to you. You can find the lowest rates and an insurance agent to talk to. If for some reason you want to get a comparison quote from a specific car insurance provider, you would need to navigate to their website and complete a quote there.
How to choose the best car insurance agent in Boston
If you need to find local Boston agents, it’s helpful to know the types of insurance agents that differ in how they can insure your vehicles. Boston agents are categorized either independent agents or exclusive agents.
Independent Agents (or Brokers)
Agents of this type often have many company appointments so as a result can place your coverage amongst many companies and help determine which has the cheapest rates. If premiums increase, they simply switch companies in-house and you don’t have to do anything. If you are comparing car insurance prices, it’s recommended you contact a few independent agents in order to compare the most rates. A lot of them also have access to different regional companies which can be an advantage.
Shown below is a short list of independent insurance agencies in Boston that can give you price quote information.
- Arbella Insurance
120 Middlesex Ave – Somerville, MA 02145 – (617) 666-0222 – View Map
- Child-Genovese Insurance Inc
44 Temple Pl – Boston, MA 02111 – (617) 350-5511 – View Map
- Massamont Insurance Agency Inc
280 Summer St – Boston, MA 02210 – (617) 478-5205 – View Map
Exclusive agencies can only provide one company’s prices like Farmers Insurance, State Farm, Allstate, and AAA. These agents are not able to provide rate quotes from other companies so keep that in mind. They are trained well on what they offer which helps overcome the inability to quote other rates. Drivers often use the same agent mainly due to the prominent brand name and strong financial ratings.
Shown below is a short list of exclusive agencies in Boston that can give you comparison 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 a good car insurance agent is decision based upon more than just a cheap quote. Ask your prospective agent these questions:
- Which companies do they recommend if they are an independent agency?
- What companies can they write with?
- Will the agent or a CSR service your policy?
- How would your car be valued if totaled?
- Are claim adjusters local or do you have to take your car somewhere else?
- How long has their agency been open in Boston?
If you receive positive responses to your questions and a low price estimate, most likely you have located an auto insurance agent that meets the requirements to properly insure your vehicles. Just understand that consumers can cancel your coverage whenever you wish so don’t feel that you are obligated to a specific company for the entire policy term.
It’s not one size fits all
Keep in mind that when it comes to choosing insurance from an agent or online, there is no best way to insure your cars. Every situation is different and your car insurance should be unique as well.
These are some specific questions might help in determining whether you might need an agent’s assistance.
- Is my state a no-fault state?
- Do I need to call my car insurance company before buying a new car?
- If my Volkswagen Atlas is totaled, can I afford another vehicle?
- Do I need replacement cost coverage?
- Does my Volkswagen Atlas need full coverage?
- Can I make deliveries for my home business?
- Does my liability insurance cover pulling a trailer or camper?
- Do I really need UM/UIM coverage?
- Why do I have to buy liability insurance?
If it’s difficult to answer those questions but you think they might apply to your situation, then you may want to think about talking to an insurance agent. To find lower rates from a local agent, complete this form or go to this page to view a list of companies.
Ratings for Massachusetts car insurance companies
Buying coverage from the highest-rated insurance provider is difficult considering how many companies there are to choose from in Boston. The rank data below could help you analyze which insurers to look at comparing prices from.
Top 10 Boston Car Insurance Companies by A.M. Best Rank
- USAA – A++
- GEICO – A++
- Travelers – A++
- State Farm – A++
- Allstate – A+
- Nationwide – A+
- Esurance – A+
- Progressive – A+
- The Hartford – A+
- Mercury Insurance – A+
Top 10 Boston Car Insurance Companies Ranked by Customer Satisfaction
- Titan Insurance – 93%
- The Hartford – 93%
- The General – 91%
- Progressive – 90%
- 21st Century – 89%
- USAA – 87%
- State Farm – 87%
- Travelers – 87%
- Mercury Insurance – 87%
- Safeco Insurance – 86%
Smart consumers save more
Some car insurance companies don’t offer rate quotes online and usually these small, regional companies provide coverage only through local independent agents. Budget-conscious Volkswagen Atlas insurance can be bought both online and also from your neighborhood Boston agents, and you should be comparing both in order to have the best chance of saving money.
In this article, we covered many tips how you can lower your Volkswagen Atlas insurance prices in Boston. The key thing to remember is the more providers you compare, the higher the chance of saving money. You may even discover the lowest prices come from the least-expected company. Smaller companies can often provide lower rates in certain areas than their larger competitors like State Farm and Allstate.
Even more information is available in the articles below:
- Older Drivers FAQ (iihs.org)
- What Insurance is Cheapest for Welfare Recipients in Boston? (FAQ)
- Who Has Cheap Boston Auto Insurance for Government Employees? (FAQ)
- Who Has Affordable Boston Car Insurance Quotes for a Nissan Altima? (FAQ)
- Airbag FAQ (iihs.org)
- If I File a Claim will My Insurance Go Up? (Insurance Information Institute)