Would you like to buy more competitive Toyota Camry insurance in Boston? Locating cheaper insurance for a Toyota Camry in Massachusetts can be difficult, but you can follow the following methods to find lower rates. There is a right way and a wrong way to shop for car insurance so you're going to learn the proper way to quote coverages on a Toyota and obtain the cheapest rates.
Smart Consumers Save More
Smart consumers have a good feel for the different types of things that help determine your auto insurance rates. If you have some idea of what determines base rates, this allows you to make good choices that can earn you lower rates. Multiple criteria are part of the calculation when premium rates are determined. Some of the criteria are obvious such as your driving record, although others are not as apparent such as whether you are married or how financially stable you are.
More stress means more cost - Careers such as military personnel, airline pilots, and emergency personnel tend to pay higher rates than average due to intense work requirements and lots of time spent away from family. On the flip side, careers such as farmers, engineers and performers generally pay rates lower than average.
Lower auto insurance rates with no policy lapses - Driving your car without having proper coverage is illegal and as a result your rates will increase for letting your coverage lapse. In addition to paying higher rates, getting caught without coverage may earn you a steep fine or even jail time.
Guys pay higher costs - Over the last 50 years, statistics have shown that women are safer drivers than men. Now that doesn't mean men are worse drivers. Women and men are in at-fault accidents in similar numbers, but the males have accidents that have higher claims. Not only are claims higher, but men receive more costly citations like DWI (DUI) or reckless driving. Youthful male drivers cause the most accidents and are penalized with high auto insurance rates.
Consider raising comp and collision deductibles - Physical damage protection, also called comprehensive and collision insurance, protects your Toyota from damage. Examples of covered claims would be collision with another vehicle, damage from fire, and windstorm damage. Deductibles for physical damage are the amount of money you are willing to pay if you file a covered claim. The higher the amount you pay before a claim is paid (deductible), the less your auto insurance will be.
Do you really need roadside assistance? - Insurance companies have many additional extra coverages that you can buy but may not be useful. Insurance for things like replacement cost coverage, towing, and term life insurance may be costing you every month. They may seem like a good idea when buying your policy, but if you have no use for them eliminate them to save money.
Loss statistics for a Toyota Camry - Auto insurance companies use past loss statistics for each vehicle in order to profitably underwrite each model. Vehicles that the data shows to have high amounts or severity of claims will cost more to insure.
The information below illustrates the collected loss data for Toyota Camry vehicles. For each insurance policy coverage type, the loss probability for all vehicles, as a total average, equals 100. Values that are 100 or less suggest losses that are better than average, while values that are above 100 indicate more frequent claims or tendency to have higher losses.
Toyota Camry Insurance Loss Statistics
|Vehicle Make and Model||Collision||Property Damage||Comp||Personal Injury||Medical Payment||Bodily Injury|
|Toyota Camry Hybrid||124||100||110||118||127||96|
Statistics from IIHS.org for 2013-2015 Model Years
The quickest way to compare policy rates for Toyota Camry insurance in Boston is to take advantage of the fact all the major auto insurance companies allow for online access to give rate comparisons. To start a quote, the only thing you need to do is spend a couple of minutes providing details including if a SR-22 is needed, your occupation, types of safety features, and driver ages. That information is then sent to multiple top-rated companies and you receive quotes instantly to find the best rate.
To compare multiple company cheap Toyota Camry insurance rates now, click here and complete the quick form.
The auto insurance companies shown below can provide free rate quotes in Massachusetts. If multiple providers are shown, we recommend you click on several of them in order to find the most affordable rates.
|Model||Comp||Collision||Liability||Medical||UM/UIM||Annual Premium||Monthly Premium|
|Get Your Own Custom Quote Go|
Data variables include married female driver age 40, no speeding tickets, no at-fault accidents, $250 deductibles, and Massachusetts minimum liability limits. Discounts applied include claim-free, multi-policy, homeowner, safe-driver, and multi-vehicle. Price estimates do not factor in your specific Boston location which can change coverage prices substantially.
Impact of careless driving on auto insurance rates
The diagram below demonstrates how speeding tickets and at-fault claims increase Toyota Camry car insurance rates for different insured age categories. The premium estimates are based on a single female driver, comp and collision included, $100 deductibles, and no discounts are applied.
Higher deductibles save money
The diagram below shows how choosing a deductible and can impact Toyota Camry insurance costs for different insured age categories. The premiums assume a married male driver, comprehensive and collision coverage, and no other discounts are factored in.
Why you need to buy auto insurance
Even though it can be expensive, insurance serves a purpose in several ways.
- Most states have mandatory insurance requirements which means state laws require specific limits of liability in order to drive the car. In Massachusetts these limits are 20/40/5 which means you must have $20,000 of bodily injury coverage per person, $40,000 of bodily injury coverage per accident, and $5,000 of property damage coverage.
- If your vehicle has a loan, almost every bank will require that you have physical damage coverage to guarantee payment of the loan. If you do not keep the policy in force, the bank may insure your Toyota at an extremely high rate and force you to pay the higher price.
- Auto insurance protects not only your Toyota Camry but also your assets. Insurance will also pay for hospital and medical expenses for not only you but also any passengers injured in an accident. Liability coverage also covers all legal expenses up to the policy limit if you are sued as the result of an accident. If your Toyota gets damaged, comprehensive and/or collision insurance will pay all costs to repair after the deductible has been paid.
The benefits of having auto insurance greatly outweigh the cost, especially with large liability claims. According to a 2015 survey, the average American driver is overpaying more than $830 a year so we recommend shopping around at least once a year to ensure rates are inline.
Discounts mean cheaper rates for Toyota Camry insurance in Boston
Auto insurance is neither fun to buy or cheap, but you might already qualify for some discounts that can dramatically reduce your bill. Certain reductions will be credited when you complete an application, but occasionally some discounts must be asked for before you will receive the discount. If they aren't giving you every credit you qualify for, you're paying more than you need to.
- Policy Bundle Discount - If you insure your home and vehicles with one company you could save 10% to 20% off each policy.
- Drivers Education - Cut your cost by having your teen driver enroll and complete driver's education in school.
- Responsible Drivers - Drivers who avoid accidents may save up to 50% more than drivers with accident claims.
- Discount for Passive Restraints - Factory air bags can qualify for discounts of more than 20%.
- Defensive Driver Discount - Successfully completing a course that instructs on driving safety can save you 5% or more if you qualify.
- Sign Online - A few larger companies give back up to $50 for buying your policy digitally online.
- Life Insurance Discount - Some companies give lower premium rates if you buy life insurance.
As a footnote on discounts, most of the big mark downs will not be given to the entire cost. Most only cut specific coverage prices like comp or med pay. Even though it may seem like you can get free auto insurance, insurance companies wouldn't stay in business.
Auto insurance companies who may offer most of the discounts above possibly include:
If you want inexpensive Boston auto insurance quotes, ask every prospective company which discounts you qualify for. Some credits may not apply to policyholders in your area. For a list of insurance companies who offer auto insurance discounts in Massachusetts, click here.
Comparing quotes from local Boston car insurance agents
A small number of people would rather buy from a local agent and that is not a bad decision Insurance agents can make sure you are properly covered and help in the event of a claim. A good thing about comparing rate quotes online is the fact that drivers can get the lowest rates but still work with a licensed agent.
To make it easy to find an agent, after completing this quick form, your coverage information is instantly submitted to local insurance agents in Boston that can provide free Boston auto insurance quotes for your business. You never need to contact an agency because quoted prices will be sent immediately to your email address. If you need to compare rates from a specific auto insurance provider, you can always go to their quote page and fill out the quote form the provide.
Choosing an insurance company is decision based upon more than just the bottom line cost. Any agent in Boston should be forthright in answering these questions:
- What company do they have the most business with?
- Who are their largest clients?
- Where are claims handled?
- How often do they review policy coverages?
- What insurance companies do they work with in Boston?
- How many years have they been established?
Multiple types of car insurance agents in Boston
If you need to find a reliable insurance agent, it helps to know the two different types of agents from which to choose. Agents in Boston are either independent or exclusive depending on the company they work for. Both can write policy coverage, but it's worth learning the difference between them since it can affect the selection process.
Exclusive Insurance Agents
Exclusive agencies have only one company to place business with and some examples include State Farm, Allstate, and Farm Bureau. These agents are not able to compare rates from other companies so they have to upsell other benefits. Exclusive agencies receive extensive training in insurance sales which can be an advantage. A lot of people use the same exclusive agent mostly because of the brand legacy rather than having the cheapest rates.
Shown below are Boston exclusive agencies willing to provide comparison quotes.
- Allstate Insurance: Abner Joseph
571 Dudley St Ste A - Boston, MA 02125 - (617) 442-9490 - View Map
- AAA Boston
125 High St - Boston, MA 02110 - (617) 443-9300 - View Map
Independent Auto Insurance Agencies
These type of agents often have affiliation with several companies and that gives them the ability to insure with many different companies and potentially find a lower price. If they find a lower price, an independent agent can move your coverage and you don't have to do anything. When comparison shopping, you will want to check rates from several independent agencies to get the best comparison. A lot of them also have access to different regional companies that may have much lower rates than larger companies.
Listed below are independent insurance agencies in Boston who can help you get price quotes.
- Ironside Insurance Group, LLC
112 Water St #401 - Boston, MA 02109 - (617) 227-2400 - View Map
- Security Insurance Agency, Inc
313 Washington St - Brookline, MA 02445 - (617) 739-2886 - View Map
- Massamont Insurance Agency Inc
280 Summer St - Boston, MA 02210 - (617) 478-5205 - View Map
Cheap car insurance rates are possible
As you quote Boston auto insurance, make sure you don't buy lower coverage limits just to save a few bucks. In many instances, an insured cut liability limits or collision coverage only to discover later they didn't purchase enough coverage. Your objective should be to get the best coverage possible at the best possible price, but do not sacrifice coverage to save money.
Insureds who switch companies do it for many reasons like delays in responding to claim requests, unfair underwriting practices, lack of trust in their agent and even policy non-renewal. Regardless of your reason for switching companies, choosing a new insurance company is easier than you think.
The cheapest Toyota Camry insurance in Boston can be found online in addition to local insurance agencies, and you should compare price quotes from both so you have a total pricing picture. A few companies may not offer rates over the internet and these small, regional companies sell through independent insurance agents.
More detailed car insurance information is located at these sites:
- How Can I Save Money on Auto Insurance? (Insurance Information Institute)
- Who Has Cheap Massachusetts Car Insurance Rates for 4x4 Vehicles? (FAQ)
- Who Has Affordable Car Insurance Rates for a Jeep Wrangler in Massachusetts? (FAQ)
- What Auto Insurance is Cheapest in Worcester, Massachusetts? (FAQ)
- Dangers of fake or stolen airbags (Insurance Institute for Highway Safety)
- Learn About Car Insurance (GEICO)
- Front crash protection reduces rear-end crashes (Insurance Institute for Highway Safety)