Who Has Cheap Car Insurance for Felons in Massachusetts?

The words “economical” and “insurance” really should not be used together, especially when shopping around for the lowest insurance rates for felons. In an attempt to save some money, let’s learn about some of the factors that help determine auto insurance prices, and figure out some ways to take a little off your next policy.

When shopping for cheaper insurance for felons, one of the many criteria that control the price you pay for insurance is where you keep your vehicle. Cities with larger populations or higher claims like Revere, Lynn, and Springfield tend to pay higher rates, whereas areas with less congestion get the luxury of paying less.

The illustration below sorts the higher priced cities in Massachusetts for felons to buy an auto insurance policy in.

Price information shown is comparative as the specific Massachusetts residence address can alter prices significantly.

Finding out which companies offer the cheapest auto insurance rates for felons will involve a bit more work in order to find a policy that fits your budget.

Each company uses their own calculation to establish rates, so let’s rank the most affordable auto insurance companies in Massachusetts. It’s important to understand that Massachusetts auto insurance rates are impacted by many things that will increase or decrease the cost of your policy. Simply getting older, buying a different home, or getting a reckless driving citation can cause premium changes that can cause some rates to be cheaper than competitors.

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State Farm generally has some of the lowest car insurance rates in Massachusetts at around $711 per year. National Grange Mutual, GEICO, Commerce Group, and OneBeacon also qualify as some of the more affordable Massachusetts car insurance companies.

As depicted above, if you buy coverage from GEICO and switched to State Farm, you might realize a yearly savings of around $165. Insureds with Commerce Group might save as much as $173 a year, and OneBeacon policyholders might lower prices by up to $192 a year.

If you would like to find cheap car insurance for felons in Massachusetts, click here to get quotes or visit any of the low-priced companies below.

Understand that those premiums are averaged across all drivers and vehicles and and are not figured with a rate decrease for felons. So the insurer that fits your age and vehicle best may not even be in the rate chart shown above. That points out the importance of why you need to compare as many prices as possible using your own specific driver information and vehicle.

Cost difference between full coverage and liability

Finding cheap car insurance for felons in Massachusetts should be important to most vehicle owners, and one common way to lower the cost of insurance is to not pay for full coverage. The chart below illustrates the difference between insurance costs with full physical damage coverage compared to only buying liability only. The premiums assume no violations or claims, $1,000 deductibles, drivers are not married, and no discounts are applied to the premium.

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If all age groups are averaged, comprehensive and collision coverage on your policy costs an additional $1,404 per year more than just buying liability only. That proposes the question if it’s a good idea to buy full coverage. There isn’t a steadfast formula of when to exclude full coverage on your policy, but there is a guideline you can consider. If the yearly cost for physical damage coverage is more than around 10% of the replacement cost of your vehicle minus the policy deductible, then it may be the right time to buy liability only.

There are some conditions where buying only liability insurance is not financially feasible. If you have an outstanding loan on your vehicle, you have to keep full coverage to protect the lienholder’s interest in the vehicle. Also, if you cannot afford to purchase a different vehicle if your current one is damaged, you should not buy liability only.

State Farm, Progressive, Allstate, or Geico: Who is best?

When comparing car insurance, four good companies to start with are State Farm, Progressive, Allstate, and Geico. The following table compares price, claims, and customer service ratings, as well as some optional coverages you can buy with each company.

Who has the cheapest insurance quotes for felons?

Thanks to technology, there are a lot of ways to shop for and buy auto insurance in Massachusetts, but the most prevalent methods are using an exlusive agent such as Allstate or State Farm, an independent or non-exclusive agent, or direct online or over the phone from a company like Geico or Progressive.

You can use whichever you prefer, but buyers should know the differences in how they provide rate quotes.

Independent agents write for multiple companies and can compare coverage rates with each one. Independent agents have the option to give you a larger rate selection, which may give you the best idea of how your rates compare. If you want to switch companies, they simply move the coverage in-house which is easy for the insured.

An exclusive agent is only able to place business with just one company, a couple examples are Allstate or State Farm agents. They are unable to provide rates from more than one company, so if rates are high, they cannot give you alternative choices.

When you buy auto insurance direct, you bypass an agent and buy from a direct company like Esurance. This auto insurance option may be preferred by people who do not need advice for asset protection and have an above average understanding of what coverages they need.

Which method works best for finding cheap car insurance for felons in Massachusetts? One answer would be buying from a direct car insurance company saves the most money since there is no need to pay agent commissions, but that turns out to not be true. We could also say that buying from an independent agent results in the best rates because they can shop around, but that idea is not necessarily true either. For some people, the exclusive agents may have prices that are impossible to beat.

Because there is so much variation in auto insurance prices, the guaranteed way to ensure you are not overpaying is to get as many comparison quotes as possible. It’s recommended that drivers get rate quotes from independent agents, exclusive agents, and direct companies to have a good selection of rates to choose from. For a list of auto insurance companies with low rates, click here to view.

Find cheap car insurance for felons in Massachusetts

The list below shows many thrifty ideas that can help drivers locate more affordable coverage.

• Do not get tickets
• Save money by insuring your home and auto with the same company
• Increase your deductibles
• Try to not file small claims
• Being accident-free can lower rates significantly
• Improve your credit rating
• Shop around once a year for cheaper rates

That last idea is notably valuable, as was affirmed in the prior information. Insurance prices can change in a short period of time, so drivers shouldn’t be reluctant to buy a policy from a new company if you find a better deal. Many drivers tend to have loyalty to a certain company, but it isn’t a good idea if your bullheadedness ends up costing you thousands of dollars over the life of your policy. It takes less than five minutes to compare rates to find cheaper car insurance for felons.