Car insurance costs are increasing across Massachusetts, and Canton is no exception. Due to the number of vehicles on the road, the Greater Boston area has higher insurance rates than some other areas of Massachusetts.
Let’s explore the factors that impact insurance costs in Canton most and find opportunities to save on auto insurance.
Updating your policy coverages and applying qualifying discounts can immediately impact your insurance bill. Other attributes are more difficult to change but significantly impact your insurance costs.
The length of time licensed and driving history significantly impact insurance rates. Teen drivers and drivers with recent violations can expect to pay more than experienced drivers with clean driving records.
The number of annual miles driven for insured vehicles greatly impacts the policy costs. Lower mileage is less expensive. The vehicle's odometer reading is updated during each vehicle inspection, automatically updating the RMV and your insurance provider of your annual mileage.
The garaging location of an insured vehicle significantly impacts the cost of the policy. For most drivers, the vehicle's garaging location is their primary residence. So, you will experience Canton, MA insurance rates if you live in Canton.
Some vehicles are less expensive to insure than others. Here are some of the vehicle attributes that impact insurance costs:
And, no, the color of your vehicle does not impact your insurance rates. Go ahead and paint your car Candy Apple Red.
Modifying coverage can be a great way to save on insurance costs. You may be overpaying for coverage you don’t need.
Increase your collision and comprehensive deductibles to save on your car insurance. Policies with teen drivers, drivers with points, and large vehicles can expect substantial savings by increasing the deductibles from $500 to $1,000. And due to Canton’s proximity to Boston, Canton residents can expect good-sized savings by increasing the policy deductible. Just remember that you’d pay a little more out-of-pocket in the event of an accident.
Remove rental car coverage to save roughly $100 per year for each vehicle. You might not need rental car coverage. If you commute on the MBTA Commuter Rail or have access to another vehicle, you might not need a rental car in the event of an accident. Removing rental car coverage makes sense if you could manage three to four weeks without your vehicle.
Car insurance coverage is designed to protect you and your family from financial catastrophe resulting from an accident. Certain auto policy coverages should rarely be decreased. In fact, many people lack the appropriate limits for these coverages. They are:
Take advantage of all available discounts on your car insurance policy. Providers may offer unique policy discounts, so thoroughly review your options. Here are the most common discounts:
Insurance needs change over time, so you should review your options periodically. This includes shopping your policy in the insurance marketplace.
Get an insurance review with Oak Grove Insurance and discover if you are overpaying for Canton car insurance. We’ll help you find insurance savings opportunities by reviewing coverages, uncovering potential discounts, and shopping your policy with multiple providers.
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