If you're looking for cheap car insurance in Springfield Massachusetts, there are several options to consider. There are numerous insurance companies located in Springfield, MA, and you can also find them online. Allstate offers auto insurance in Springfield, MA and offers free quotes to customers. McClure Insurance, located at 251 Boston Road in Springfield, offers auto insurance quotes, consultations, and one-stop shopping. Western Mass Auto Insurance provides one-stop shopping for all types of insurance policies.
Cost of car insurance in Springfield Massachusetts
If you are looking for auto insurance in Springfield Massachusetts, you're not alone. The cost of car insurance in Springfield can be as high as $134 per month for a legally insured driver. Fortunately, there are ways to make the cost even lower, and the lower your auto insurance, the better. Listed below are some tips to make your Springfield auto insurance less expensive. Keep in mind that while your rates may go up, you can always change providers.
The cheapest cars to insure in Springfield include the Mazda MX-5 Miata, Honda Accord, and Ford Mustang. Larger luxury cars like the Audi A5 cost an average of $2,286 per year to insure. Among the pricier cars in Springfield, the Porsche 911 and the Audi S3 cost an average of $3,296 per year. However, if you're looking for a luxury car, the cost is even higher.
If you're worried about the cost of car insurance in Springfield, MA, consider your driving record. The average commute time is between 15 and 20 minutes. Drivers in Springfield tend to drive alone, but a smaller number of people carpool with co-workers. Lowering your yearly mileage can save you money on gas and reduce your risk of an accident. It will not lower your premium every month, but you may be able to save two to three percent each month by cutting back on your mileage. If you're a teenager, insuring your vehicle as a business vehicle can increase your rate by up to 10%.
Married couples can significantly reduce their premiums by getting married. Insurance Springfield, MA companies will even provide homeowners, renters, and home insurance policies for married couples. In Massachusetts, the days of one gender being better than the other are a thing of the past. Now, several major providers charge the same price for both sexes. However, if you want to get the best deal, consider staying with the same insurer for all of your insurance needs.
When it comes to comparing car insurance rates, there are some factors that can help you make the best choice. Small SUVs, midsize pickups, and half-ton trucks tend to have the cheapest insurance rates, while high-performance vehicles and exotic sports cars tend to be the most expensive. However, there is no one-size-fits-all solution for finding the best car insurance in Springfield, MA.
Variability of rates by zip code
While auto insurance is generally cheap, rates can vary dramatically between cities and zip codes. Providers rate cities and ZIP codes according to their crime rate, vehicle accident statistics, and road conditions. Detroit has the nation's highest average car insurance rate, at $527 per month. Rural ZIP codes have lower average rates than urban areas, due in part to a lower population density and fewer accidents. If you're thinking about moving to a new city, consider what your ZIP code can do for your insurance costs.
Variability in car insurance rates by ZIP code is not unique to drivers, but it is worth investigating to determine if your ZIP code is responsible for your high rates. Some ZIP codes have higher premiums than others, and drivers with poor driving records or few accidents tend to have higher rates in these neighborhoods. For example, drivers in ZIP codes with high concentrations of white residents may pay more than drivers with poor credit or other minorities. The corresponding reason is that ZIP codes don't have much to do with a person's driving ability, or whether or not they have paid their bills on time.
Other factors may play a role in why rates vary by ZIP code. Higher-risk ZIP codes tend to have more accidents, which makes them higher insurance risks. Insurers may pay more in some ZIP codes than others due to this difference. Nevertheless, there are several reasons for this variation. Listed below are a few of the most common reasons why rates vary by zip code. They may include a mix of factors, including high crime rates, higher population density, and more traffic.
A recent study by MoneyGeek found that the amount of white residents in a ZIP code is inversely related to the cost of car insurance. White residents of these ZIP codes pay about $130 more per year than drivers living in lower-white ZIP codes. This is due to structural inequalities in the country. In addition to paying higher taxes, Black and Latino citizens also pay more for car insurance.
Saving money by bundling policies
Buying multiple insurance policies can save you money, but not all companies offer bundles. You can save up to 15% when you combine auto and homeowners insurance. Bundling your car insurance with your renters policy can help you save an additional 5%. However, be careful when bundling your insurance policies. Some companies encourage customers to "set it and forget it" mentalities. These people may not compare rates and may not even check their competitors' rates.
While minimum coverage policies are the cheapest available in Massachusetts, they may not provide enough protection. For example, a $5,000 liability limit may not cover the full cost of an accident. A higher limit, such as $100/300/100, would provide up to $20,000 per person and $40,000 for property damage, which is more than enough to pay for most of the expenses associated with a car accident.
Those who drive less often and have a clean driving record may find it advantageous to buy a full coverage policy, which is cheaper than a minimum policy. Full coverage policies include liability/PIP, comprehensive, and collision insurance. While it's better to have more coverage than minimum, these may be too expensive for older vehicles. The minimum policy may be all you need if you're just trying to save a few dollars.
In addition to lowering your premium, you can bundle your other insurance policies to save even more. While some policies may seem overly complicated, they are often the best option when it comes to cheap car insurance in Springfield Massachusetts. If you're in need of an extra set of coverage, consider a policy with an umbrella clause. This insurance policy will protect you if you get into an accident with someone else.
You can save money on your insurance by comparing quotes online. Most companies offer bundles if you have more than one car. In addition, many offer discounts for paying in full and using automatic bank account withdrawals. Bundling policies can save you hundreds of dollars a year, so it's worth it to shop around and compare rates. And don't forget to compare rates before signing up for anything.
Ways to reduce premiums
In Springfield, MA, drivers can lower their monthly premiums by raising their deductible. This will lower your monthly payment, but you'll also be responsible for paying more if you file a claim. Many Springfield residents also have lower rates based on their education levels. For example, nearly one-third of drivers in Springfield have completed a high school education, and more than a quarter of the total population has no college degree.
The cheapest cars for insurance in Springfield are the Subaru Legacy, Honda Insight, and Chevrolet Spark. Other cheaper vehicles in Springfield include the Nissan Sentra, Toyota Camry, and Acura RDX. However, the average rate for a vehicle in Springfield is $1,946 per year, so you'll save even more money by opting for another model. Some of the best cars for lower Springfield insurance rates are crossovers, including the Mazda CX-5 and Acura RDX.
Geico is another good option for lower Massachusetts car insurance rates. The company's app has a 2.6-star rating on the App store. It also has multiple options to reach customer service for questions. Geico has the highest average rate in Springfield, but it's possible to get a lower rate by choosing another insurance company. A reputable company will have many discounts and offers that you'll appreciate.