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03-16-2009, 06:07 PM
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Member
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Join Date: Feb 2009
12 posts, read 6,569 times
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Auto Insurance in MA
Hi,
Can somebody please advise on which auto insurance option is better to have in MA, i recently moved from GA and it seems most of the auto qoutes are annual more than $3000, is it normal or can i get auto insurance for less over here.
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03-17-2009, 08:25 AM
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Senior Member
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Join Date: May 2007
742 posts, read 692,733 times
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Massachusetts auto insurance is still high even though they have let some competition into the state. They still don't have a true free market auto insurance like many other states. If you have some accidents or "points" on your record, where you live, and depending what type of car you have $2,000 to $3,000 is possible. Also, how many cars and people are you insuring.
I just switched over to Plymouth Rock from Commerce and Plymouth Rock was quite a bit less expensive.
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03-17-2009, 08:38 AM
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Senior Member
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Join Date: Jan 2008
Location: LIC NYC & Belmont, Mass.
1,775 posts, read 1,479,161 times
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Yes, it depends on your driving record, how many cars, and where you live. New York State does have a typical free market system and the rates are even higher than in Mass. Some places tend to be expensive to insure a car because there are more accidents there due to more cars on the road, winter conditions, etc. Interestingly, rates are much lower in Belmont or Lexington than neighboring Waltham. They base the rates in part on actuarial tables to establish the "risk" of accident or theft in each locality.
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03-17-2009, 09:30 AM
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Senior Member
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Join Date: Jan 2009
Location: a bar
407 posts, read 148,354 times
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Try Progressive. I recently switched from Commerce, and my insurance dropped by more than 50%.
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03-17-2009, 11:22 AM
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Senior Member
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Join Date: Jan 2008
Location: LIC NYC & Belmont, Mass.
1,775 posts, read 1,479,161 times
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Commerce is sounding like a real ripoff...
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03-17-2009, 11:24 AM
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Senior Member
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Join Date: May 2008
Location: Southern NH
1,330 posts, read 557,576 times
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AAA gave me a very good rate. You can use esurance.com to compare rates....
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03-17-2009, 10:17 PM
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Member
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Join Date: Feb 2009
12 posts, read 6,569 times
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thank you all for the details..
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03-17-2009, 10:18 PM
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Member
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Join Date: Feb 2009
12 posts, read 6,569 times
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I have 1 car with a good driving history, but all the quotes which i got till today are more than 3000 per yr..
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03-19-2009, 03:53 PM
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Senior Member
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Join Date: May 2008
Location: Southern NH
1,330 posts, read 557,576 times
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$3000 for one car? I have 3 cars and 4 drivers (two are teenagers) and it costs me $2200 per year in NH... A few years ago it was $650 per year when we had just two cars and no teenage drivers...
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03-19-2009, 04:03 PM
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Senior Member
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Join Date: Jan 2008
Location: LIC NYC & Belmont, Mass.
1,775 posts, read 1,479,161 times
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Quote:
Originally Posted by seamusnh
$3000 for one car? I have 3 cars and 4 drivers (two are teenagers) and it costs me $2200 per year in NH... A few years ago it was $650 per year when we had just two cars and no teenage drivers...
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Personally I don't know anyone paying $3000 except one person with a really bad record who lives right in Boston. I have heard of some companies giving quotes that are double the cost of the same coverage with someone else, for no good reason. |
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