UPDATED: Mar 13, 2020
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Cheap Car Insurance in Brockton, MA
Do you want cheap auto insurance in Brockton, MA? It’s actually not that far away! We have all of the tools and the knowledge you need to get yourself a more affordable car insurance premium this very same day.
Don’t waste time trying to comparison shop on your own – let us help you out with your search.
Brockton, otherwise known as the “City of Champions”, is the seventh-largest city and all of Massachusetts. This nickname comes from its many different successful high school sports programs along with the fact that it’s the hometown of famous boxers such as Marvin Hagler and Rocky Marciano.
It’s also the home of the Brockton Rox baseball team.
- Fun fact: Hold on to your hats, because Brockton is #2 on the list of Top 100 Cities With the Highest Average Wind Speeds! Click here if you want to learn more about Brockton.
Auto Insurance Coverage Requirements in Massachusetts
Driving legally in Brockton requires:
|Bodily Injury Liability||20,000/40,000||100,000/300,000|
|Property Damage Liability||5,000||50,000|
|Uninsured Motorist Bodily Injury||20,000/40,000||100,000/300,000|
|Medical Payments||Not required||10,000|
|Collision||Not required||500 deductible|
|Comprehensive||Not required||250 deductible|
If somebody causes an accident with you, their insurance liability coverage will pay for the damages up to their policy limits. Likewise, if you cause an accident, your liability coverage will pay for their damages.
Driving illegally without any coverage at all doesn’t just mean that you are 100 percent responsible for paying for the property damage and medical expenses of whoever you cause an accident with – you will also have some very expensive legal and financial consequences to deal with with your state government laws.
Most drivers in Massachusetts are paying somewhere around $180 for their coverage. But how would you like to pay less, and save over $667 per year in the process? We can help you do exactly that.
There are some interesting things going on in Brockton right now which – if you act fast – you can take advantage of and save a ton of money off your premiums!
If you want the absolute cheapest price right now in Brockton, you might want to get in touch with Arabella or Commerce Insurance. Obviously, though, those aren’t the only insurance providers in the Brockton area.
You shouldn’t just worry about the price of your monthly premiums – you should also worry about the quality service your money is paying for. Sometimes a bargain bin price tag isn’t such a bargain if your insurance company leaves you high and dry.
Most people don’t spend time sitting down and thinking about exactly how their total insurance premium is calculated. But there’s a lot more work that goes into it than you might think.
The name of the game is risk assessment and figuring out how risky drivers like you are to insure. Once they have a good idea, then they’ll know how much to charge you for your Massachusetts auto insurance policy.
Major Car Insurance Factors in Brockton
The most important things which will determine your monthly premium are described in detail in this section. Some of these factors can make up as much as 25 percent of your overall premium.
That’s why it’s so important to understand what they are, what they mean, and what you can do to make them work to your advantage.
Your Zip Code
Given the total 95,623 residents in Brockton right now, the average household is bringing home about $50,034 a year. Believe it or not, this information is important when it comes to your car insurance premiums.
Higher populations tend to mean you’re sharing the road with more drivers, and therefore increases your likelihood of an accident. But living in an affluent, high-income area means you might be at lower risk for things like theft or vandalism of your vehicle.
Unfortunately, accident statistics in Brockton aren’t so great. Because the number of accidents in your area is so high, this could be a big problem when you’re looking for better rates on your car insurance premiums.
Not only are you sharing the road with so many tens of thousands of other drivers, but accidents are more likely to happen in your city for whatever reason. It’s a good idea to discuss this with your insurance provider and ask them for suggestions about what you can do to lower your rates.
Auto Thefts in Brockton
In total, there were 280 vehicles stolen last year in Brockton. That might not seem like very much, but the unfortunate thing is that this is the fourth year in a row that auto thefts have been on the rise in the city.
If you don’t have a car alarm installed on your vehicle, now would be a good time to look into one. You can also ask your insurance agent for tips on how to proactively protect yourself from auto theft in order to get some discounts off your policy.
Your Credit Score
Believe it or not, there are three states in the US where your credit score doesn’t matter when it comes to your car insurance premiums. Massachusetts is one of them.
Unfortunately, some car insurance companies may decide to charge everyone a little bit more just to make sure that their bottom line is taken care of. In other states, car insurance providers charge more money to people with poor credit because they would likely lose money otherwise.
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It’s an unfortunate fact of life that the less experience you have with something, the more likely you are to get it wrong. When it comes to driving, this lack of experience can lead to expensive and dangerous mistakes. This increased risk of danger and accidents is the main reason why teenagers and young drivers in their twenties have such a hard time finding an affordable policy.
Good grades and driver’s education will only get you so far (but they will help). Beyond that, time and experience will take you the rest of the way towards lower rates.
Your Driving Record
How good of a driver are you? Because if you’re a bad driver, you’re going to get charged more for your auto insurance rates. The fewer accidents you’ve had in the recent past, the easier it will be for you to get a good deal. But if you don’t have a perfect record, don’t despair.
Car insurance providers don’t count any tickets, filed claims, or accidents you’ve had beyond your most recent 3 to 5 years of driving. And if you’ve had a ticket or an accident recently, just keep your record clean for as long as you can to eventually get a better discount.
Did you know that older vehicles don’t necessarily require as much insurance coverage as newer ones? Older vehicles are easier to replace because they won’t cost as much to buy a similar model of a similar age for a similar price.
And since vehicle value erodes over time, that makes it easier and easier to get affordable coverage.
You can also save money by reducing the amount of or eliminating your comprehensive and collision coverage. After all, if you’re driving an old clunker, do you really care if it gets a dent or a ding here or there?
Minor Car Insurance Factors in Brockton
Of course, tweaking some of the factors below can add up to some extra savings over time:
Your Marital Status
If you’ve been married for a long time, you may already know that you can get some decent 15% savings or more by bundling with your partner on to the same family car insurance policy.
But if this is news to you, then your insurance agent has not been doing their job! Granted, some couples find that they can actually save more money with each of them being on policies with different companies in unique and rare situations.
Whether you bundle or not, though, you will get a slight discount by virtue of being married because insurance companies assume you will be a safer, more responsible driver.
Are men really more dangerous behind the wheel than women? Some might argue that the heightened level of testosterone in their bodies makes them more aggressive drivers. And as we all know, aggressive driving is one of the leading cause of accidents among things like drunk driving and sleep deprivation.
Some insurance companies may charge male drivers more for their policy even if the risk assessment is otherwise equal to their female customers.
The best way to figure out whether or not you’re paying more based on gender alone is to ask your insurance agent what their company stance is on this business practice.
Your Driving Distance to Work
The average commute in Brockton is around 15 to 25 minutes each way. However, a 35+ minutes commute isn’t uncommon, either. Of course, the longer you spend driving to work and home, the greater amount of time you spend on the road, which can increase your accident risk.
And considering the fact that there are fewer than 25 percent of drivers who carpool or seek some other form of public transit, this means you are sharing the road with more drivers who could possibly get into an accident with you.
Speaking of how much time you spend on the road, you could set yourself up for some really great discounts if you can prove to your auto insurance provider that you don’t drive very much.
Or even if you do, you could save money by proving to them that you don’t drive during normal, rush hour traffic. You can do this by either installing an app from your insurance company on your phone or plugging a GPS device into your car.
The Progressive Snapshot program is an excellent example of these mileage tracker programs which can save you upwards of 30 percent off of your policy.
Your Coverage and Deductibles
One good thing about setting yourself a low deductible usually around ($250 to $500) is that if you do get into an accident, it won’t be as difficult to pay that deductible and get the ball rolling on fixing your vehicle and getting back on the road. Unfortunately, this means higher monthly premiums for you over the life of your policy.
Raising your deductible up to $1,000 or more can get you lower monthly payments – but it will also make it more difficult to recover when it comes time to pay that deductible.
Education in Brockton, MA
Did you know that more and more car insurance companies are offering discounts for college graduates these days?
Granted, saving money on your monthly premiums isn’t necessarily a justification for taking on such an expensive endeavor; however, if you were already thinking about going back to school anyway, that’s just another reason to do so.
And seeing as how 58 percent of Brockton residents either have a high school diploma or still need to finish their high school education, there are plenty of drivers who can benefit from receiving a higher education.
If you don’t want to drive too far in order to get an advanced degree, you might want to look into Massasoit Community College or the Signature Healthcare Brockton Hospital School of Nursing. There are some pretty decent educational opportunities outside of the city, though.
Between Stonehill College, Bridgewater State University, Quincy College, in the University of Massachusetts-Boston, it’s almost impossible not to find a program that’s right for you.
Based on what you’ve learned so far, what do you think you can change about your life in order to get yourself a lower monthly premium? Are you going to start working on improving your credit score? Are you going to be more careful behind the wheel so that current tickets and accidents on your record will eventually no longer count against you?
There are many things you can do to make yourself look like a lower-risk driver and therefore get lower premiums – but the most important thing you can do is shop around with us right now.
We will help you compare multiple fast, free quotes from some of the best companies. Use our FREE quote tool to compare insurance rates now!
How We Conducted Our Car Insurance Analysis
*We calculated our average rate based on the following metrics: a married, 34-year-old male with good credit, a 12-month history of maintaining auto insurance, a clean driving record, who owns his own home.
Miles driven annually were based on the national average. The average rate was also calculated based on a financed 2015 Honda Accord with a pre-installed anti-theft device.