Purchasing automobile insurance in a major metropolitan area like Boston can be costly. In fact, Massachusetts is consistently ranked as one of the most expensive states in which to insure a vehicle. Worse still, there are several mistakes you could be making with your insurance that could be leading to over-inflated rates. If your Auto Insurance Boston seems too high, visit www.sawyerinsuranceboston.com to learn the most common reasons why–and how to fix the damage.
You Haven’t Checked Your Credit Report
Many drivers don’t realize their credit score influences the price of their insurance policy. If you haven’t checked your credit report in a while, you could be paying more than you need to for Auto Insurance Boston. Why? Discrepancies on credit reports are fairly common, and undetected identity theft can damage your credit report as well. Obtain a free copy of your credit report and make sure it’s mistake-free to get the best insurance quotes.
You Aren’t Guarding Against Theft
In major cities like Boston, auto theft is a huge concern to insurance companies. If your car doesn’t come equipped with anti-theft measures, you could be paying up to 25% more on your insurance policy than someone who has an alarm system with a tracking device. So what can you do? Even if you can’t afford top-of-the-line theft protection, small measures can still result in big discounts. Purchasing an inexpensive alarm or wheel-locking system should qualify you for discounts as well.
Your Driving Record Is Tainted
Tickets and accidents can make insurers see you as a high-risk customer–which means inflated policy rates. Only time will erase these costly boo-boos from your driving record, but there are small steps you can take to soften the financial blow. Completing a safe driving course will often result in a 10% rate discount, according to the Department of Motor Vehicles. These classes are relatively low-cost and only take a few days to complete.
You Aren’t Shopping Around
Much like buying a new car, it pays to shop around before you settle on an insurance policy. Rates can vary dramatically, and insurance prices are always changing. You should check both big national companies and smaller, local agents. In the Boston area, try Sawyer Insurance Agency Inc Boston for affordable quotes.
Auto insurance in Boston can be even more expensive if you’re making any of these common mistakes. If you want to lower your rates, keep the suggestions above in mind.