You’re probably wondering how much car insurance in Cambridge MA costs. There are several factors that can affect your rates, including driving history and driving record history. Although minor infractions will have no impact, major infractions may. Insurers consider high-risk drivers when determining your rates. Your neighborhood can also affect your rates. Read on to find out what factors affect the cost of car insurance in Cambridge MA. And don’t forget to compare quotes to see the best deal!
Cost of car insurance in Cambridge
If you’re looking for a cheaper auto insurance in Cambridge, Massachusetts, you’re in luck. The most affordable cars in the city have insurance premiums below $1,329 per year. Other models that cost less than that include the Acura RDX, Lincoln Corsair, and Toyota Tacoma. You can also get free quotes for your vehicle’s insurance from a number of car insurance providers by entering your ZIP code.
While the rate of car insurance in Cambridge may seem high at first, it depends on your driving record and location. While minor infractions may not have a significant impact on your premiums, major infractions will lead to increased costs. Some providers consider people in certain neighborhoods to be high-risk drivers. The neighborhoods you live in also influence your rates. If you live in a neighborhood with a high crime rate, you’ll find a higher premium than if you live in a quieter area.
While you’ll find that the average rate for a full coverage policy in Cambridge is $1,320 per year, you may find that it’s cheaper than you think. For example, Geico has the cheapest quotes in Cambridge for full coverage policies, with an average annual rate of $2,028, almost 40% less than the state average for the same level of coverage. Generally, insurers adjust prices based on the driver’s history, and drivers with a criminal record will likely pay higher premiums.
You can also save money by purchasing multiple policies. Many insurance companies offer discounts for multi-policy holders or for certain conditions. If you already have a home insurance policy with your current insurer, you can apply it to your car insurance in Cambridge as well. The Cambridge region has a high number of intersections, including “The Delta” – an intersection of Highways 8 and 24. Coronation St. is west of the intersection of the two, while Hespeler Road runs north to south. In any case, traffic in Cambridge is extremely heavy.
Although Massachusetts requires drivers to have auto insurance, it does not cover damages caused by other drivers. Your car insurance premium in Cambridge will vary depending on your driving history and the amount of coverage you need. While you may think that your credit score has nothing to do with your car insurance premium, your age does. Young drivers are less experienced and more likely to be in a car accident. Older drivers are likely to find their insurance premiums the lowest.
Cost of car insurance in Massachusetts
There are several factors that influence the cost of car insurance in Massachusetts. If you have a history of speeding tickets or other minor infractions, you should be aware that your insurance company may levy a surcharge on your monthly payment for three years. Below is a table detailing how moving violations affect the average annual premium. Keep in mind that your final premium may vary depending on the severity of your past violations, the type of vehicle you drive, and your underwriting method. Even if you have never been involved in an accident, you can still find affordable insurance plans for Massachusetts drivers.
In Massachusetts, car insurance companies are not allowed to consider your credit score when calculating your rate. Therefore, people with less-than-perfect credit will not be charged more for insurance. Also, you must live in a specific area to qualify for a discount. Drivers on the Cape will pay less for car insurance than those in the Pioneer Valley. The main reason for this difference is that the number of cars on the road is higher in the latter region.
Liability insurance includes bodily injury coverage. This coverage pays for medical expenses for the other driver or person in an accident. In Massachusetts, no-fault laws apply, so both parties’ insurance providers will pay for these expenses. Property damage coverage covers damages to other people’s property. The latter type of coverage also covers legal fees in the event that an insured driver is involved in a lawsuit. It’s also important to note that Massachusetts’ minimum liability insurance laws vary by ZIP code.
Personal injury protection (PIP) is another mandatory coverage. PIP covers medical expenses for people injured in an accident while a motorist is at fault. Massachusetts drivers must carry at least $5,000 in property damage liability coverage. PIP covers medical expenses for the injured parties in at-fault accidents. Further, Massachusetts drivers must carry personal injury protection coverage. These coverage levels may be higher than the minimum required in other states. Further, personal injury protection is optional in many states and many people have umbrella plans that cover a much higher amount.
Cost of car insurance with higher liability coverages
While auto insurance in Massachusetts is expensive, the average Cambridge driver should not pay more than $134 per month for insurance. Many insurance companies will offer good policies for as little as $60 per month. There are a few reasons why your premium might be higher in Cambridge than in other places. First, this city is home to MIT and Harvard. Second, Cambridge has many young drivers, making the area more at risk of serious collisions. Third, the state of Massachusetts experiences rough weather, making it difficult for insurance companies to provide adequate coverage. Ultimately, these factors contribute to higher premiums.
Your driving record is a significant factor in the cost of car insurance. Minor infractions like speeding and reckless driving won’t have a huge impact on your premium, but serious ones can lead to higher rates. Lastly, your neighborhood may affect your insurance rates. Despite how many factors may influence your insurance premiums, there are several ways to reduce your cost of coverage. Consider these tips to make your insurance coverage affordable.
If you’re a young driver, car insurance costs are higher than those for older drivers. Young drivers are less experienced, so insurers charge higher rates. As you get older, however, rates tend to decrease. However, teenage drivers tend to pay the highest rates. However, if you’re an older driver, you can lower your premiums by shopping around. When shopping for car insurance, you should pay attention to factors such as your ZIP code.
Massachusetts has minimum liability coverage requirements, and premiums can vary significantly by city and ZIP code. Massachusetts is also a no-fault state, so your insurance provider will pay for any medical expenses no matter who is at fault. If you suffer a severe injury that results in permanent disfigurement, however, you can still file a claim against the responsible driver. If you’re a good driver, you can find the right policy and lower your premiums.
Massachusetts law requires drivers to carry bodily injury liability insurance in Massachusetts of at least $20,000. You must also purchase $5,000 worth of property damage protection. Massachusetts law also requires drivers to have uninsured motorist protection, which replaces the at-fault driver’s liability coverage. This coverage will cover costs up to the limits of your policy. Personal injury protection is another type of Massachusetts car insurance requirement. It pays medical expenses in the event of an accident and is required by law.
Cost of car insurance with a DUI
The average driver in Cambridge, Massachusetts will pay $134 a month for auto insurance. But the cost shouldn’t be that high for people who live in Cambridge. Even if you have a speeding ticket or DUI, you can find good policies at $60 per month. GEICO is one company that balances service and price. But if you have a DUI or speeding ticket, Plymouth Rock Assurance is an excellent choice.
If you’re worried about the cost of car insurance with a DUI in Cambridge – and you’re afraid that you won’t qualify for any discounts – try Insurify’s online tool to compare car insurance rates. It uses a database of over 40 million quotes to determine what you need to pay and what you should pay. The company also gives you customized quotes based on factors like your driving history and gender.
You may be surprised by the difference between insurance quotes from different companies. Every insurer calculates risk differently, so you may find new premiums with your current provider. But if you’re moving to a new city, it may be worthwhile to search for a new carrier. Jerry can provide you with quotes from many companies in Massachusetts, including Farmers, Nationwide, and Liberty Mutual. Getting a DUI will increase your insurance premiums by an average of $590 a year, but there are ways to reduce this amount. With a little effort and research, you’ll be able to find a new company.
What does your gender have to do with your car insurance premiums? Your gender plays a large role in how much you pay for insurance. Younger drivers tend to drive more recklessly, which increases their premiums. Older drivers, on the other hand, do better when it comes to driving history. As a result, the cost of car insurance with a DUI in Cambridge, Massachusetts will be significantly higher.
WTPhelan Insurance Agency in Cambridge has been serving the Cambridge community since 1898. With access to 25 insurance carriers, Jim Fucillo and his team can craft the right insurance policy for their clients’ needs. With comprehensive auto insurance, home insurance, and life insurance, the agency also provides business and life insurance plans. They strive to be a trusted advisor for each and every client and to keep their clients’ interests and assets safe.