I have been helping my New Jersey readers find quality car insurance, but I got an email from a reader in Boston that says she also has trouble getting a good rate there and asked for my recommendation. I have a few insurance companies I can recommend and a few I would stay clear of.
What are they? To make it easy on you I have my best recommendation, get a free no obligation online rate quote from Comparison Market from the link above. CM, has some of the best carriers in the Boston MA area and their rates are probably among the lowest around town.
There is no obligation for this free online rate quote and it just takes 5 minutes so see for yourself what you have been missing out on....GREAT RATES!
A few things to consider are:
- Get as high as a deductible as you possibly can, this will reduce your monthly premium. Start a special savings account and make monthly deposits in this "accident fund". The money you save in premium should offset your deductible in the event you have an accident. If you have poor driving habits....make weekly deposits!
- Make sure you have un-insured and or under-insured motorist coverage or the equivalent in Boston.
- If you are really trying to cut costs and you drive an older car, you might want to consider just carrying liability coverage and not comprehensive "collision" coverage. The savings could be huge, and if you consider yourself a good driver, and don't mind taking this additional risk this is a great option for you.
- Buy the additional "rental car coverage" which is usually $30 a year and well worth it when/if you are ever in an accident and your car is in the shop for weeks!
- Ask about a loss free discount if you have a perfect driving record
- Consider moving your other insurance policies to one carrier. I.E. move your homeowner and health insurance to the same carrier as your car insurance. Usually there is a discount for doing so if your carrier offers other coverage's besides auto.
