Whether you own, rent, or lease a car, the law requires that you have auto insurance to protect yourself and others. Most states require some form of liability insurance while collision and comprehensive (covering loss not caused by a collision, like a fallen tree limb) are common but optional. Since auto insurance is a significant and on-going expense, consider some of the following tips for lowering your premiums on Auto Insurance in Boston.
First of all, you want to consider the cost of insuring a car before you buy it. An insurance factors in the cost of a car, its safety rating, and the likely cost of repairs, so do some research to find a car that will not be too expensive to insure.
While it can be a good idea to compare quotes from different insurance companies, bear in mind that most companies offer a discount to customers who own multiple policies. If you can get your auto insurance in Boston from the same company that insures your home or another vehicle you own, you may get a bargain.
See if there is any way to lower the mileage you put on your car. Insurance rates are lowest for cars that are driven less than 7,500 miles per year, and highest for cars that get more than 13,000 miles. Consider carpooling or using public transportation occasionally if it can bring down your car’s overall mileage, and make sure to update your insurance company on the change.
Make sure that you are not paying more than you need to on an older car. You can check the blue book value of your car online and see if you are paying more than 10% of the estimated value. If so, talk to your insurance agent about lowering that premium.
Check with your insurance company to see if you qualify for any discounts based on your age, your profession, or your membership in certain groups like AAA or an alumni organization. Also, if you have a teen driver, see if he or she is eligible for a discount based on good grades or completion of a driver education program.
If you would like to get more information about Auto Insurance in Boston, visit the website of Sawyer Insurance Agency Inc.
