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Compare Boston Auto Insurance Quotes!
Boston Auto Insurance
If you live in Boston, MA and are looking for a new auto insurance policy you may be finding that Boston auto insurance rates can be on the high side. In 2005, Massachusetts was the 6th highest state for auto insurance rates with the average annual premium of $1,201.
While Boston auto insurance rates may be higher than most areas in the U.S. you can still find a Boston car insurance policy that you can afford. Comparison shopping is a great way to find cheap Boston car insurance.
Use our free Boston car insurance quote tool now to find the lowest Boston auto insurance rates available.
Boston, MA Fix and Establish Program
Prior to April 1, 2008 Massachusetts had a Fix and Establish program with auto insurance companies. Under this program, the Massachusetts state commissioner set all Massachusetts auto insurance rates. This means that no matter which auto insurance company you would choose, they would offer you the same rates as any other auto insurance company.
Starting on April 1, 2008 auto insurance companies in Massachusetts began setting their own rates, which increased competition and helped to lower auto insurance rates for consumers. Now, each auto insurance company can offer you different rates for the same coverage. This makes shopping around essential to finding the lowest Boston auto insurance rates.
Finding Cheap Boston Auto Insurance
You may be wondering why Boston, MA auto insurance rates are so high, even compared to most other states. There are a few different reasons for this. The cost of living in Massachusetts and especially Boston is extremely high. This means higher costs for auto repairs, medical expenses, etc which all contribute to high car insurance costs.
Also, Massachusetts is a highly urban area and is also heavily populated. Urban areas usually have higher costs for auto insurance than rural areas have. Massachusetts also has a high number of auto insurance liability claims compared to other states. This also contributes to higher auto insurance costs.
While finding cheap Boston car insurance may not be easy, it is definitely not impossible. Here are some tips for finding affordable Boston car insurance.
- Choose a high deductible: Your deductible is the amount you pay when you need to use your car insurance policy before the policy benefits kick in. A higher deductible will result in a lower premium, the amount you pay quarterly or yearly for your auto insurance policy.
- Find discounts: Many Boston auto insurance companies offer discounts on auto insurance policies for certain things (good student, safe driver, safe vehicle, etc.) Some auto insurance discounts are mandatory by MA state law, such as a passive restraint discount and senior discounts for drivers over 65.
- Shop around: Comparison shopping will allow you to find the Boston auto insurance company that offers you the lowest rates.
Shop For Boston Auto Insurance Now!
Whether you are signing up for you first auto insurance policy or if your rates have increased, you need to compare Boston auto insurance quotes. Use our free Boston car insurance quote tool now to quickly and easily compare auto insurance quotes from top MA car insurance companies side by side!
Find the Boston, MA car insurance policy you need right now!