UPDATED: Mar 13, 2020
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Cheap Car Insurance in Quincy, MA
Are you in need of cheap auto insurance in Quincy, MA? Prices are generally pretty high in Massachusetts, but that doesn’t mean everyone in the state should have to pay ridiculous prices.
Right now, there are some opportunities in Quincy that might put you in just the right position to save a ton of money off your premiums.
Quincy is a southern suburb of the main city of Boston. It is also referred to as the “City of Presidents” because John Adams and John Quincy Adams – father and son, respectively – were born there.
Many Industries have called Quincy home over the years, including the Granite Railway, Howard Johnson’s, and Dunkin Donuts.
- Fun fact: Get your LinkedIn profile and your SWOT analysis ready, because Quincy is #11 on the list of Top 100 Cities With Men in Business/Financial Careers. But that’s not all there is to know about Quincy!
Auto Insurance Coverage Requirements in Massachusetts
Driving legally in Quincy 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|
Liability is the thing which determines who is at fault in an accident. If every driver is legally required to have liability coverage, that means that the damage costs from an accident will be paid for by someone, no matter what happens.
This is the reason why you are required to purchase it before you are allowed to drive. Otherwise, there could be some very serious economic implications which could harm many peoples income and savings.
Your typical Massachusetts driver is paying at least $180 a month or more for their coverage; but did you know that there are deals going on in Quincy right now which could save you 63 percent or more?
That’s hundreds of dollars in savings every year. And we know exactly how to get you those savings.
Between Quincy Mutual and Arbella, you may have a hard time finding a cheaper rate within your zip code. But just because a company is cheaper doesn’t necessarily mean you’re getting a better deal.
Many people choose to pay a little bit more for their monthly premiums if they know they’re getting a policy from a reputable provider. And we know exactly how to help you tell the difference between them.
Do you have any idea how exactly Massachusetts auto insurance companies know what to charge you for your premiums? If the answer is no, then you’re in luck.
Because we happen to be the foremost experts in knowing what your insurance company does and does not consider a high-risk driver”. The more you can do to lower your risk, the lower you can get your premium. And we will show you how to do exactly that.
Major Car Insurance Factors in Quincy
Did you know that the factors below could make up as much as 62 percent of your total monthly premium? Pay careful attention as we go down the list.
Not all of the things below are very easy to change right away; but with a little bit of effort, you can change your circumstances enough to get a better rate.
Your Zip Code
There are a grand total of 93,686 people living in Quincy, MA right now. And the average citizen is bringing home $72,146 a year in salary. This conflicting information, though, means that it may be difficult to determine whether or not you can get a good deal on car insurance.
The high property values are a good sign that theft or vandalism won’t be a problem for you. But the fact that you’re sharing the road with so many other tens of thousands of people may increase your risk of getting into an accident.
Relative to other cities, especially when you consider the population size and its location in the state, the accident statistics in Quincy are fairly good. They’re not perfect by any means, but they’re much better than other, similar cities.
And the fact that these statistics are working in your favor might just be what you need to help get yourself a more affordable premium.
Auto Thefts in Quincy
In total, there were only 98 vehicles stolen in Quincy last year. This may seem like a low number, and it definitely is relative to other similar cities. But you have to keep in mind that this is the highest auto thefts have been in Quincy in 3 years.
Installing a passive anti-theft device on your vehicle is a great way to protect yourself and also potentially get a small discount off your monthly premium.
You may even be able to get more discounts if you ask your insurance company for tips on what you can do to secure your vehicle.
Your Credit Score
Wouldn’t it be nice if your car insurance provider didn’t care if you had poor credit? Well, in Massachusetts, they don’t. They legally can’t charge more or less based on your credit score.
This is great for people who don’t have a perfect score, but people with good or perfect credit may end up paying a little bit more than they would in other states since people with high credit scores usually get a lower rate.
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Are you worried about finding affordable car insurance for your young driver? If so, we have a few tips that can help you out. For starters, if you can, you should try and bundle your new driver onto your family policy.
Furthermore, not only will your insurance company give you discounts for bundling, but they will give you further discounts still if your young driver can prove that they get good grades in school and that they have taken a driver’s education course. But these discounts will only take you so far.
Your Driving Record
The better of a driver you are, the easier it will be to get an affordable rate your car insurance premiums. Since a clean driving record tells your insurance company that you are less likely to get into an accident, they will reward you for your caution behind the wheel with a better monthly rate.
People with accidents or tickets within their most recent 5 years of driving or less will get charged more at first. But the longer you can go without getting a new ticket or another accident, the easier it will be to eventually get a safe driver discount.
We hate to be the bearer of bad news, but the newer and more expensive your vehicle is, the more it will cost to carry the proper amount of insurance coverage on it.
You have to take into consideration the fact that newer vehicles – especially those financed through a bank loan or leased from a dealership – will require that you purchase much more than the state-mandated legal minimums.
You’ll also have to worry about gap lost coverage if you total a brand new vehicle that you are financing within your first year or two of driving it.
Minor Car Insurance Factors in Quincy
Of course, tweaking some of the factors below can add up to some extra savings over time:
Your Marital Status
If you are newly married, congratulations! We have a wedding gift for you: you are now eligible to save up to 10 percent or more off of your car insurance premiums by bundling together on a family plan with a single insurance company.
In the long run, that little 10 percent can mean big savings, especially if you say with the same provider and collect loyalty discounts on top of that.
Is it true that car insurance companies charge women drivers more for the same coverage? Some companies might say yes. But this is an antiquated business practice that may not be utilized as much or as significantly as it used to be.
If you’re worried about being charged more for your policy because of your gender, you should definitely get in touch with your insurance agent. They will be able to clarify for you the company stance on charging certain genders more or less for their monthly premiums.
Your Driving Distance to Work
There’s some good news and bad news when it comes to driving to and from work in Quincy. If you do drive your own vehicle by yourself into the office, you’re looking at a 30 to 35 minute commute on average.
Your insurance company isn’t going to like this, because the longer you spend getting to and from work, the more likely you are to get into an accident. But the good news is that nearly half of all workers in Quincy either take public transportation, carpool, or work from home.
So you’re sharing the roads with fewer drivers, which means a lower likelihood of accidents.But your insurance company cares more about the mileage on your odometer than the hours you spend behind the wheel.
And if you can plug in a GPS device from your car insurance company or install a mileage tracking app from them, you can prove that the mileage you drive as well as the time of day you drive means you are less likely to get into an accident – and more deserving of a 25 percent – 30 percent low-mileage discount!
Your Coverage and Deductibles
Having a high deductible or raising your deductible is a quick and easy way to lower your monthly premium. But it can cause complications if you get into a serious accident and don’t have that deductible money ready to go.
For some insurance policies, you may need to raise your deductible upwards of $1,000 to $2,000 to see significant savings. It’s a good idea to put that money away in a savings account so that paying that high premium won’t be such a burden if you ever have to.
Education in Quincy, MA
If you are in the 27 percent of Quincy residents who have a bachelor’s degree, then you may already be saving money on your auto insurance policy. Giving small discounts for having an advanced degree is becoming an ever more popular trend among car insurance companies these days.
And if you’re already in the process of going back to school to improve your education, this may just add fuel to your fire.
You have a couple of different choices for higher education in Quincy. There’s Quincy College, and also Eastern Nazarene College within the city limits. Quincy isn’t that far from the University of Massachusetts-Boston, Curry College, or Northeastern University, either.
Clearly, you have plenty of colleges and universities to choose from.
You also have plenty of car insurance companies to choose from. And like choosing a university, choosing a car insurance company which fits your needs for an affordable price is a very important decision. It’ll be easy for you to make the right decision if you let us help you uncomplicate the process so that it isn’t as stressful.
Type your zip code into the box on this page and we can help you compare quotes in a matter of minutes.
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.