Boston, the capital of Massachusetts and one of the largest cities in the United States, had an estimated population of 620,535 in 2008. If you are looking for auto insurance in Boston, MA, you’ll find that Boston insurance rates are a little on the high side. One reason for this is the extremely high cost of living in Boston. Massachusetts, which is heavily populated and a large urban area, was at one time the sixth highest state for auto insurance rates with an annual premium of $1,200. If these factors are a concern to you, then you’ll be glad to know finding cheap car insurance in Boston is not such a challenge after all, especially if you follow these few simple tips.
Dig for Savings
Consider your deductible, which is the amount you’ll pay when you need to use your auto insurance policy before the benefits kick in. If you choose a higher deductible, your premium will be lower. Finding cheap car insurance in Boston can be as simple as shopping around for companies that offer discounts. Ask insurers about multiple vehicle discounts, good driving discounts, safety discounts and anti-theft feature discounts. Find out if they offer discounts for your type of job or involvement with an organization.
As a consumer in Massachusetts, comparison shopping for cheap auto insurance is now readily available online. This allows motorists to search for numerous quotes from different Boston car insurance companies to ensure the lowest rates possible. Quote comparisons are quick and easy, with no obligation to sign on with any particular company. You can compare up to 50 auto insurance providers at once!
Insurance Requirements for a Massachusetts State Motorist
The state of Massachusetts follows a No-Fault system, which means your insurance company will make payments for your injury claims regardless of fault, up to a specified limit.
Massachusetts state law requires a motorist to carry minimum coverage of Bodily Injury Liability of $20,000/$40,000, Property Damage Liability of $5,000, Uninsured/Underinsured Motorist Bodily Injury of $20,000/$40,000. The state’s limit for Personal Injury Protection coverage is $8,000. Your car insurance coverage may vary from someone else depending on your situation, so check out all the different coverage options available and choose the most basic coverage for your needs.
Factors that Can Affect Your Auto Insurance Rates in Boston
Many insurance companies base their rates on the type of vehicle you own. Compact cars and sedans normally have lower rates, while SUVs and sports models are much higher. The age of your vehicle, its condition and mileage are all considered to be major factors in getting lower insurance premiums. Your driving record also has a big say-so in getting cheap car insurance rates, so keep it free of violations.
If you are a male driver or young driver, you may be considered a high risk to certain providers, so expect your car insurance rates to be higher than rates for a young female or older driver. Your car’s safety features are also taken into consideration when an insurer gives you car insurance quotes. Does your vehicle have seat belts, head restraints, air bags, traction control or anti-lock brakes? Do you have anti-theft features on your car?
Now that you know what to expect when shopping for cheap car insurance in Boston, you can easily do an insurance quote comparison online to maximize your savings. Use these ideas to find out rates among the top companies in Boston.