Who Has the Cheapest Car Insurance Quotes for Low Income Drivers in Massachusetts?

The vehicle you are seeking coverage for is probably the largest consideration in finding the cheapest car insurance for low income drivers in Massachusetts. Vehicles with high performance, a lack of advanced safety features, or high incidents of liability claims will cost significantly more to insure than more economical and safe models. The next tables showcases car insurance prices for the most affordable vehicles to buy insurance for.

Table data represents single male driver age 40, no speeding tickets, no at-fault accidents, $500 deductibles, and Massachusetts minimum liability limits. Discounts applied include homeowner, multi-policy, safe-driver, multi-vehicle, and claim-free. Rate information does not factor in garaging location in Massachusetts which can affect auto insurance rates significantly.

Cost estimates assume single male driver age 40, no speeding tickets, no at-fault accidents, $500 deductibles, and Massachusetts minimum liability limits. Discounts applied include homeowner, multi-vehicle, multi-policy, claim-free, and safe-driver. Information does not factor in zip code location which can impact insurance rates noticeably.

Premium data assumes single male driver age 40, no speeding tickets, no at-fault accidents, $500 deductibles, and Massachusetts minimum liability limits. Discounts applied include multi-vehicle, safe-driver, multi-policy, claim-free, and homeowner. Estimates do not factor in specific zip code location which can influence premiums substantially.

For poor drivers, one of the largest criteria that help determine rate quotes is where your car is garaged in Massachusetts. Cities that have higher claim levels or more people like Revere, Lynn, and Springfield will most likely pay more, whereas more rural areas benefit from lower rates.

The next table displays the higher priced cities in Massachusetts for low income drivers in which to buy car insurance.

Annual rates are approximated as the vehicle garaging location can alter prices significantly.

Finding reliable, low-priced auto insurance is confusing at best, and figuring out which companies have the best car insurance rates for low income drivers involves a little more work.

Every insurance provider has a proprietary method to establish rates, so we’ll go over the overall cheapest car insurance companies in Massachusetts.

Lowest Insurance Price Quotes in Massachusetts

Compare Rates and Save

State Farm generally has some of the best car insurance rates in Massachusetts at around $711 annually. National Grange Mutual, GEICO, Commerce Group, and OneBeacon would also make the list of some of the cheaper Massachusetts car insurance companies.

In the above rates, if you currently have a policy with OneBeacon and switched to National Grange Mutual, you might realize savings of upwards of $105. Massachusetts drivers with Progressive may save as much as $222 a year, and USAA insureds might lower prices by $227 a year.

To discover how much you can save, click here to start your free quote or quote prices from the following companies.

It’s important to note that these policy rates are averages across all drivers and vehicles in Massachusetts and do not factor in a price discount for low income drivers. So the insurer that has the cheapest price for you may not even be in the list of companies above. That point stresses why you need to compare rates from multiple companies using your own personal information and vehicle type.

Discount Massachusetts auto insurance

Insurance providers that provide the cheapest car insurance for low income drivers in Massachusetts may also offer premium discounts that could potentially reduce rates by as much as 25% or more if you meet certain criteria. Popular car insurance companies and the discounts they provide are included below.

• State Farm offers discounts for good driver, driver’s education, multiple autos, Drive Safe & Save, and good student.
• Progressive policyholders can earn discounts including continuous coverage, online quote discount, multi-policy, good student, multi-vehicle, and online signing.
• Progressive may have discounts that include homeowner, multi-vehicle, multi-policy, online quote discount, continuous coverage, online signing, and good student.
• MetLife offers premium reductions for multi-policy, claim-free, good driver, defensive driver, and accident-free.
• Farm Bureau discounts include driver training, multi-vehicle, safe driver, renewal discount, youthful driver, and multi-policy.
• GEICO has savings for anti-lock brakes, federal employee, multi-vehicle, defensive driver, and seat belt use.
• SAFECO offers discounts including homeowner, multi-car, anti-lock brakes, teen safety rewards, and teen safe driver.

The diagram below compares premium costs with and without some available policy discounts. The premiums are based on a female driver, a clean driving record, no claims, Massachusetts state minimum liability limits, full coverage, and $250 deductibles. The first bar for each age group shows the average rate with no discounts. The second bar shows the rates with defensive driving course, multiple policy, multiple vehicle, anti-theft, marriage, and accident-free discounts applied. When these discounts are applied, the average amount saved each year on car insurance for low income drivers is 28% or $620.

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How to find budget-friendly insurance for low income drivers

The list below details many thrifty suggestions that can help Massachusetts drivers quote cheap auto insurance.

• Buy a safer vehicle
• Do not get into accidents that are your fault
• Do not get traffic citations
• If possible, do not file small claims
• Bundle home or renters insurance to earn a discount on car insurance
• Save money by insuring older vehicles for liability only
• Shop around for cheaper prices

The last tip in the list is especially necessary, as was pointed out in the prior information. Insurance prices vary greatly, so don’t hesitate to buy from a new company if you can save money. Many drivers tend to have loyalty to a certain company, but it’s not a good idea if your bullheadedness ends up costing you a fortune every year. If you have a few minutes, compare rates and find cheaper auto insurance for low income drivers.

Who has the cheapest insurance quotes for poor drivers?

There are many ways to comparison shop for car insurance in Massachusetts, but the most preferred are either through an independent or non-exclusive agent, a captive (or exclusive) agent such as Allstate or Liberty Mutual, or direct from companies such as Geico or Progressive. Each way has the same basic process, but they differ in how they give price quotes.

Independent insurance agents have contracts with multiple insurance companies and can do rate comparisons with all of them. These types of agents will provide you with more rates, which may provide you with the best idea of how your rates compare. If you are not satisfied with one company, your policy can be easily switched to a different company which requires no work on your part.

A captive, or exclusive, agent is able to place business with one insurance company, for example an Auto-Owners or Allstate agent. They usually cannot give you multiple price quotes, so you will not be able to compare multiple prices.

Direct car insurance buyers bypass an exlusive or independent agent and instead buy direct from companies such as Geico or Esurance. This option may be preferred by families who have lower risk management needs and know more than average about what car insurance covers.

When shopping for car insurance, which way works best for finding the cheapest car insurance for low income drivers in Massachusetts? We’d like to tell you shopping direct results in the cheapest price since that prevents the need to pay agent commissions, but unfortunately, it’s not that simple. A good argument could also be made that buying from an independent agent guarantees the best prices since there are more companies to choose from, but again, it’s not necessarily true. In the right set of circumstances, exclusive agents have really good rates that other companies cannot beat.

Due to the large number of rating factors, the only true way to make sure you’re not overpaying for car insurance is to compare lots of quotes. The best approach is to get rate quotes from independent agents, exclusive agents, and direct companies to get an idea of which is cheapest. To see some of the cheapest online companies available, click here to view.