Cheap Car Insurance in New Bedford, MA

Looking for cheap auto insurance in New Bedford, MA? By coming here, you’ve already taken the first step towards finding it. We specialize in helping drivers all over the country find the most affordable insurance rates in their area. And we look forward to helping you maximize your savings, too.

New Bedford is the sixth largest city in the state and located in Bristol County. It is also known as The Whaling City because it was one of the biggest and most important whaling ports of the 1800s. Furthermore, New Bedford is one of the three largest cities currently located in the Massachusetts south coast region.

  • Fun fact: Você fala português? Because New Bedford is #4 on the Top 100 Cities with Portugal-Born Residents! You can discover even more fun facts about New Bedford by clicking that link.

Auto Insurance Coverage Requirements in Massachusetts

Driving legally in New Bedford requires:

Coverage Requirements Most Common
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 you can’t be responsible enough to drive safely, then you should at least be financially responsible enough to pay for the damages you cause. That’s the thinking behind liability insurance coverage. That’s also why it’s the legally mandated minimum amount of coverage that you must purchase before you can drive legally. Just remember that lots of people choose to purchase more liability coverage then what is mandated; if the accident is your fault and the property damage and medical costs are more than your insurance company will pay out, the rest will have to come out of your pocket.

Did you know that you could save over 49% off your monthly premiums if you live in New Bedford and shop around right now? The average driver in your town is paying around $180 if not more for their policy each month. If you could cut that in half, think of how much you could save! We’d be happy to show you how. All you have to do is keep reading.

Average Monthly Auto Insurance Premiums Legend: New Bedford Commerce Insurance Vermont Mutual National Grange Mutual Quincy Mutual Arbella 10 20 30 40 50 60 70 80 90 100 110 120 130 140 $107 $129 $143 $113 $121

 
Quincy Mutual and Commerce Insurance are both working very hard to get new business by undercutting the competition. As a New Bedford resident, you could use this to your advantage. But do your homework first and make sure that whichever company you choose – especially if you’re only choosing them for the lowest rate – is the company you trust to manage your policy and to be there for you when you need them.

There are many different Massachusetts auto insurance  companies who are offering some pretty good deals in New Bedford right now. But you have to meet them halfway and show them that you are a less risky driver to insure. Believe it or not, there are some things you can do either right now or in the near future to accomplish that goal. And we will explain them to you now.

Major Car Insurance Factors in New Bedford

What are the most important things your car insurance company thinks about when they evaluate you for a policy? We bet that your answers to that question or not the same as your insurance companies. That’s why we like to provide factual information like this for drivers like you so that it’s easier for you to get a better deal. So pay close attention to the section, and take notes if you have to!

Your Zip Code

If you are one of the 95,035 People who live in New Bedford today, we hope you are making equal to or above the average annual salary of $42,241. Total property values as well as the population in any given area will give your insurance provider the information they need to figure out how much more likely you are to get into an accident or to become a victim of vehicle vandalism/theft compared to people in other areas.

Auto Insurance by Zip Code Legend: New Bedford Quincy Brockton Commerce Insurance Vermont Mutual National Grange Mutual 10 20 30 40 50 60 70 80 90 100 110 120 130 140 150 160 $107 $121 $136 $129 $127 $158 $143 $136 $162

Automotive Accidents

The likelihood of getting into an accident in New Bedford is actually much, much lower than almost any other similarly sized city in the states. So congratulations! Odds are that you are already getting a much better deal on your monthly insurance premiums then other Massachusetts drivers. Although if you have been in an accident recently, this may not help you (but more on that in a minute).

Fatal Accidents in New Bedford Legend: New Bedford Fatal Accidents Vehicles Involved in Fatal Accidents Fatal Crashes Involving Drunk Persons Fatalities Persons Involved in Fatal Crashes Pedestrians Involved in Fatal Crashes 1 2 3 2 3 1 2 3 1

Auto Thefts in New Bedford

It may sound scary that there were 274 Vehicles stolen in New Bedford last year. But this is merely an all-time low for the city. The fact that auto thefts are decreasing could give you an advantage when it comes to getting a better deal on your premiums. But you may still want to install a passive anti-theft device on your vehicle if you haven’t done so already for a minor discount.

Basic vs. Comprehensive Auto Policy Legend: Basic Coverage Comprehensive Coverage Commerce Insurance Vermont Mutual National Grange Mutual 25 50 75 100 125 150 175 200 225 250 275 $107 $205 $129 $296 $143 $227

Your Credit Score

The fact that Massachusetts doesn’t Factor credit scores into account is a bit of a double-edged sword. For people with poor credit, this means that they won’t necessarily have to pay the exorbitant rates they would if they lived in a state where credit scores mattered more. But this also means that insurance companies will probably charge higher rates to everyone, including drivers with good or excellent credit.

Your Age

The older you are and the more experience you have behind the wheel, the less likely you will be to get into an accident. This is such a ubiquitous truth that car insurance companies use it as a reason to charge older drivers less – and young drivers much, much more. If your under the age of 25 and having trouble paying for auto insurance, showing proof of good grades can help you get a moderate discount. So can taking a driver’s education course.

Auto Policy Age Comparison Legend: 35 Year Old Driver 17 Year Old Driver Commerce Insurance Vermont Mutual National Grange Mutual 50 100 150 200 250 300 350 400 450 500 $107 $384 $129 $506 $143 $526

Your Driving Record

If you’ve had any tickets or accidents within the last three, four, or five years – especially if there were claims filed as a result of any of that activity – then your insurance company will likely charge you a higher premium from the start. They may also raise your rates at any point in the future if you go from a clean record or a minimally tarnished record to a dirtier record by accumulating tickets and accidents. The best thing you can do is wait it out until those incidents are no longer in your recent history. You can also ask about defensive driving courses and any other proactive steps you can take to minimize this strike against you.

Car Insurance by Make/Model Legend: Perfect Record Minor Violation Major Violation Commerce Insurance Vermont Mutual National Grange Mutual 30 60 90 120 150 180 210 240 270 300 330 360 $107 $136 $245 $129 $158 $374 $143 $175 $341

Your Vehicle

Are you driving an expensive, luxury vehicle? Or are you driving something that makes a statement, like a Hummer or a fancy sports car? Well, the more expensive your vehicle is, the more it will cost you to carry the appropriate amount and type of coverage on it. This is especially true if you drive the type of vehicle that is more likely to get into an accident, get stolen, or get vandalized in some way.

Car Insurance by Make/Model Legend: 2015 Honda Accord 2015 Chevy Corvette Commerce Insurance Vermont Mutual National Grange Mutual 25 50 75 100 125 150 175 200 225 250 275 300 325 $107 $239 $129 $341 $143 $275

Minor Car Insurance Factors in New Bedford

Of course, tweaking some of the factors below can add up to some extra savings over time:

Your Marital Status

Getting married is not only a joyous occasion in one’s life, but it can be the beginning of many years of happiness to come. It can also be the beginning of many years of savings on your car insurance. Married couples, especially those who sign up together on the same policy under the same provider, are eligible for bundling discounts which can total 10% to 15% or more. But if you don’t want to do that or if you think you can find a better deal staying separate, being married by itself will shave a little bit off your monthly premiums.

Your Gender

Here’s another minor skirmish in the battle of the sexes: are men or women safer drivers? Some might say that men are more dangerous because they tend to be more aggressive behind the wheel; others may say women are more dangerous because they are more likely to panic in a dangerous situation. But the only important opinion is the one that comes from your insurance company. Thankfully, more and more insurance companies are factoring gender out of the equation when they calculate the cost of your policy. But if you’re concerned about it, be sure to contact your insurance company and ask them how they deal with the issue.

Your Driving Distance to Work

Commute times in New Bedford are fairly short; most workers only take about 10 to 20 minutes to get to the office. This might help you save money on your policy because the last time you spent on the road, the less of a chance you will get into an accident. New Bedford also has a greater than average number of people who carpool (13%) as opposed to people who drive their own vehicle to work alone compared to other cities, so that might make it easier for you to save money, too.

Unfortunately, if your insurance company doesn’t already have the statistical data on hand, they may not incorporate those potential savings into your policy. In order to get them to do that, you have to prove that you drive a few more miles than the average driver. Many insurance companies have mileage tracking programs which involve installing an app on your phone or plugging a device in your vehicle which track your mileage via GPS. Some programs will even give you an extra discount if you typically drive during the hours of the day that have the least amount of rush hour traffic. Some companies offer 30% to 33% or more of a discount for these programs.

Your Coverage and Deductibles

The amount of your deductible and the amount you pay each month in premiums have an opposite relationship with one another. Low deductibles will raise your monthly premium because in the event you have to file a claim, your insurance company will have to pay more money to honor it. So they split the difference by charging you more for your monthly premiums. Conversely, having a higher deductible will lower your monthly premium since your insurance company won’t have to pay as much money to honor your claim. Many people choose to raise their deductible in order to save money in this way – just remember to keep that amount of money on hand so that you can get your vehicle fixed and back on the road as quickly as possible after an accident.

Education in New Bedford, MA

Unfortunately, higher education isn’t that prevalent in New Bedford. Between the 35% of the population who only has a high school diploma and the 22% who have yet to complete a 12th grade level of Education, there are plenty of drivers in the city who aren’t taking advantage of all of their savings opportunities. Now we’re not suggesting you go to the trouble of going back to school and earning an advanced degree just for minor discount on your car insurance premiums – but if you’ve been thinking about going back to school, lower monthly premiums are just one of many benefits you can enjoy from earning an advanced degree.

For New Bedford residents who don’t want to drive very far to get a better education, you have some private, for-profit schools to choose from. But if you want a bachelor’s degree as well as access to financial assistance, you can look into driving outside the city and attending the University of Massachusetts-Dartmouth, Brown University, or even the Bristol Community College.

Odds are you’re going to be paying monthly premiums for your auto insurance for many years and even decades to come. So you’ll want to get the most affordable policy you can find in order to save yourself money over the long-term. And if you want to do that to the best of your ability, you’ll compare quotes with us right 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.

Sources:

Massachusetts Division of Insurance

Massachusetts Division of Insurance and Financial Institutions

Department of Highway Safety and Motor Vehicles

City-Data.com

Census.gov