Cheap Auto Insurance Quotes for State Employees in Massachusetts

In a perfect world, we could simply tell you the company that has the best car insurance rates in Massachusetts. It’s not quite that easy, unfortunately, as there are a lot of unknown factors like your financial responsibility, if you rent or own your home, and if you want full coverage included, that all go into determining the rate you pay. This article goes into detail about the best ways to maintain low rates and hopefully give you enough understanding to have a jump start in finding the best auto insurance in Massachusetts.

The car, truck, or SUV requiring insurance is one of the largest considerations in finding cheap car insurance for state employees in Massachusetts. Vehicles with higher performance characteristics, poor passenger safety features, or a history of substantial liability claims will cost more to insure than safer, lower-performance models.

The tables below illustrates car insurance prices for a number of the cheaper automobiles to buy insurance for.

Data assumes married female driver age 40, no speeding tickets, no at-fault accidents, $500 deductibles, and Massachusetts minimum liability limits. Discounts applied include claim-free, multi-policy, homeowner, safe-driver, and multi-vehicle. Prices do not factor in your specific Massachusetts location which can alter coverage prices substantially.

Table data assumes married female driver age 40, no speeding tickets, no at-fault accidents, $500 deductibles, and Massachusetts minimum liability limits. Discounts applied include homeowner, safe-driver, claim-free, multi-vehicle, and multi-policy. Price estimates do not factor in Massachusetts location which can increase or decrease price quotes noticeably.

Data based on married female driver age 40, no speeding tickets, no at-fault accidents, $500 deductibles, and Massachusetts minimum liability limits. Discounts applied include multi-vehicle, claim-free, multi-policy, homeowner, and safe-driver. Information does not factor in zip code location which can decrease or increase premium rates noticeably.

Finding out which company has the most affordable auto insurance rates for state employees may require more time than just picking a company at random. Every insurance company uses their own formula for determining rates in each state, so let’s examine the overall cheapest auto insurance companies in Massachusetts.

It’s important that you understand Massachusetts auto insurance rates are determined by lots of factors which can substantially decrease or increase the price you pay. Improving your credit score, having a claim, or having an accident can cause premium changes that can make some companies much cheaper than others.

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State Farm generally has some of the lowest car insurance rates in Massachusetts at around $711 each year. National Grange Mutual, GEICO, OneBeacon, and Commerce Group would also be considered some of the most economical Massachusetts auto insurance companies.

In the rate table above, if you are a policyholder with Commerce Group and switched to National Grange Mutual, you could see a yearly savings of around $103. Drivers with Progressive might save as much as $190 a year, and USAA customers might cut rates by $235 a year.

To find out how much you can save, click here to begin a quote or feel free to get quotes from the companies below.

Bear in mind that those prices are averaged for all insureds and vehicles and are not factoring in a rate discount for state employees. So the company that is best suited for you may not even be in the rate chart shown above. That affirms the importance of why you need to compare as many prices as possible using your own personal information and vehicle type.

The illustration below demonstrates how deductibles can impact insurance prices when researching cheap insurance for state employees. The data is based on a married male driver, full physical damage coverage, and no discounts are taken into consideration.

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As shown above, a 30-year-old driver could lower rates by $346 a year by changing their physical damage coverage from a $100 deductible to a $500 deductible, or save $524 by choosing a $1,000 deductible. Young drivers, like the Age 20 category, could shave as much as $1,056 or more just by choosing higher deductibles when buying full coverage. If you do raise deductibles, it will be important to have emergency funds available to enable you to cover the extra out-of-pocket expense, which is the one inconvenience of using high deductibles.