How to Shop and Save Money on Car Insurance in Massachusetts
Find the best and cheapest car insurance in Massachusetts
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Drivers in Massachusetts might be surprised to learn that, on average, car insurance rates in the state are actually a bit lower than the national average.
However, there are still places in Massachusetts where car insurance may be expensive. You should make sure that you are paying the cheapest rate for the Massachusetts car insurance policy that is right for your needs.
This is a reminder that you shouldn’t focus on cost alone. The best car insurance policy is the one that provides the right amount of coverage for the best price.
How to Find Cheaper Car Insurance in Massachusetts
Car insurance can be expensive in Massachusetts. When looking to purchase a car insurance policy, make sure to consider the following steps to help you find the best price.
Perhaps the most important step that you can take when you are shopping for car insurance is to shop around and get quotes from multiple companies. Taking time to do your research can save you money.
While most auto insurance companies take many of the same factors into account when determining your premium, such as where you live and what your driving record is, each company analyzes this information in a different way. This is why rates may vary from one insurer to the next which may mean savings for you if you shop around.
Ask About Bundling
If you’re a homeowner or a renter, ask your insurance company if it offers discounts if you have multiple types of insurance with the company. If your insurance provider offers both home and auto insurance, you may save money by “bundling” both of your policies with the same insurance company.
Inquire About Other Discounts
Insurers like to provide incentives for people who strive to be safe drivers. You may be able to save money on your Massachusetts auto insurance by taking a defensive driving course. Also, if you’ve recently started to work from home more frequently, your average miles driven has likely dropped. Call your insurer to find out if you are eligible for a low mileage discount.
Make sure to ask your insurance agent or company for a list of all car insurance discounts that your company offers. This way can make sure that you’re receiving all of the discounts that you qualify for.
Top 3 Car Insurance Companies in Massachusetts According to Customers
As noted above, the best way to find the cheapest and best car insurance in Massachusetts is to shop around. Clearsurance has identified the top three car insurance companies in Massachusetts that offer quotes on Clearsurance.com. This list was created using customer review data on Clearsurance.com as of June 2020.
Please note: In order to qualify for the list, companies must sell car insurance in Massachusetts, have at least 25 car insurance reviews in the last two calendar years, and they must be a Clearsurance affiliate and offer quotes on the site. For a complete and updated list of the top-rated companies in Massachusetts, you can visit the Massachusetts car insurance rankings page and get personalized recommendations for the best insurance for you based on the basic information that you provide.
Progressive is a well-known and widely available insurance company. The company offers a wide range of insurance products and its customer reviews on Clearsurance are overwhelmingly positive. Progressive earned a score of 4.05 out of 5.00 stars for car insurance on Clearsurance.com as of June 2020.
Pros: Clearsurance reviews praise the easy-to-use website, transparent pricing, flexible billing options, good explanation of coverage, and offers a variety of coverage.
Cons: An analysis of the reviews posted did not reveal any routine negatives.
With consistently positive reviews and no consistent negatives, Clearsurance customers are positive about Progressive.
- 80% said they are likely to renew their Progressive policy,
- 80% would recommend Progressive to a friend, and
- 79% rated the experience with a claim positively.
A Massachusetts Progressive customer said in a Clearsurance review that they saved $3,500 by switching to Progressive. Part of the review says, “My total savings equated to $3,500 a year. I was kicking myself for not paying closer attention and testing the market years ago.”
Allstate is one of the largest insurance providers in the country, and the company garners a lot of positive feedback from customers on Clearsurance.com. Allstate earned a score of 4.03 out of 5.00 stars for car insurance on Clearsurance.com.
Pros: Customers on Clearsurance frequently mention transparent pricing, flexible billing, the wide choice of coverage options, easy-to-use website, and that the company explains coverage well as positives of Allstate Insurance coverage.
Cons: An analysis of customer feedback provided on Clearsurance.com did not reveal any frequently mentioned negatives.
Overall, customers are pleased with the service and coverage they receive from Allstate insurance, and this is reflected in the feedback provided.
- 80% state they’re likely to renew their Allstate policy.
- 78% would recommend Allstate to a friend, and
- 77% rate their claims experience as positive.
One Massachusetts Allstate customer wrote a review on Clearsurance.com that talks about their price and customer service experience.
Esurance is another large insurer that offers a variety of insurance products such as auto, home, and renters insurance. This company was one of the early adopters to offer online services, and are technologically innovative. Esurance earned a score of 4.03 out of 5.00 stars for car insurance on Clearsurance.com
Pros: Reviews from customers on Clearsurance mention an easy-to-use website, company explains coverage well, flexible billing options, a variety of coverage options, and great transparent pricing as “pros.”
Cons: The most frequently mentioned negative is that Esurance doesn’t reward its loyal customers.
Esurance customers are generally very happy with their coverage, as indicated by the following data.
- 74% said they are likely to renew their Esurance policy,
- 77% would recommend Esurance to a friend, and
- 75% rated the experience with a claim positively.
A Massachusetts Esurance customer discussed their experience with the company in a review on Clearsurance.
Best Car Insurance for Military Members: USAA Insurance
USAA has dedicated and enthusiastic customers who praise the company’s coverage options. USAA is for members of the military and their immediate family. On Clearsurance.com, USAA earned a high score of 4.71 out of 5.00 stars for car insurance based on customer reviews.
Find out if you’re eligible for USAA insurance: Am I eligible for USAA insurance?
Please note: USAA is the highest-rated car insurance company in Massachusetts, but it was not included in the top three list above because it is only available to active and former military members and their families.
Pros: USAA members mention good discount offerings, flexible billing, and transparent pricing as key positives of having USAA insurance.
Cons: An analysis of the reviews posted on Clearsurance did not reveal any consistent negatives.
USAA customers are very loyal and happy with their USAA insurance experience.
- 93% are likely to renew their USAA policy,
- 94% would recommend the company to a friend, and
- 94% rated their claim experience positively.
In a USAA review written by a Massachusetts policyholder, the policyholder talked about their experience with USAA.
Best Car Insurance for Drivers Aged 50 and Over: AARP Auto Insurance Program from The Hartford
The AARP Auto Insurance Program from The Hartford was designed specifically for seniors and drivers aged 50 and older. With an AARP membership, you have access to the insurance program. On Clearsurance.com, The AARP Auto Insurance Program from The Hartford received a score of 4.63 out of 5.00 stars from customer reviews.
Please note: The AARP Auto Insurance Program from The Hartford has a higher rating than the top three Massachusetts companies listed above. It was not included in the main list above because it’s only available to those who are 50 years of age or older and have an AARP membership.
Pros: Customer reviews on Clearsurance mention flexible billing and a variety of coverage options as “pros,” along with noting that The AARP Auto Insurance Program from The Hartford explains coverage well and has an easy-to-use website.
Cons: The only “con” that frequently comes up is that they do not reward loyal customers. Among reviewers on Clearsurance.com:
- 73% say that they are likely to renew their policies when renewal time comes,
- 79% say their claims experience was positive, and
- 81% would recommend AARP-The Hartford insurance to a friend.
One Massachusetts policyholder described their experience with the AARP Auto Insurance Program from The Hartford during the coronavirus pandemic in a review.
Top 4 Massachusetts Car Insurance Companies Based on Customer Price Rating
When shopping for car insurance, one of the most important aspects to compare is the price of the policy. You should compare the price from several different companies to make sure that you’re getting a policy for a good value. Clearsurance analyzed Massachusetts companies and how customers rated the company for the price of their policies.
Below you can find the top 4 Massachusetts companies rated by customers for their perceptions of price. The top option is only available to military members and their families.
Please note: for this ranking, we looked at all car insurance companies in Massachusetts that had at least 25 reviews that included a rating on price. The ratings displayed are shown out of a 5-star scale.
*USAA is only available to military members and their families. Read: Am I eligible for USAA?
>>>>SEE ALSO: Watch our YouTube video "Best car insurance companies in Massachusetts by price rating."
Hopefully these tips on how to shop for car insurance will help you as you research companies for auto coverage. Make sure to shop around and compare policies to find the best company at the best price.
Visit Clearsurance’s Massachusetts car insurance rankings page to get customized recommendations for the best Massachusetts companies based on your preferences, powered by 150k+ customer reviews.