Factors Influencing the Cost of Car Insurance in Pembroke, MA

Compare Quotes from Top Providers and Save now!

Massachusetts has some of the highest auto insurance costs in the US. The average cost of car insurance in Pembroke, MA is $1,315. This is lower than the average cost of car insurance in nearby locations like Marshfield, North Pembroke, and Hanover but higher than location other nearby locations like Hanson and Halifax. Various factors like the neighborhood, change in deductibles, age of the driver, and credit scores influence the cost of car insurance in Pembroke, MA. Below is the Zimlon insights on the factors that affect the cost of car insurance and how car owners can save more in Pembroke, MA.

factors_influencing_the_cost_of_car_insurance_in_pembroke_ma

Neighborhood: 

The neighborhood one lives in Pembroke, MA.  is one of the important factors influencing the cost of car insurance. Zimlon offers the service to finding one’s accurate zip code to get the best auto insurance quotes from multiple auto insurance companies. The make and model of the vehicle and the rate of auto thefts in the neighborhood also increase or reduce the insurance costs within the city.

Age of the Driver:

Zimlon’s analysis found that teenagers usually pay much higher car insurance costs in Pembroke, MA. This is mainly because insurance companies consider teenagers to be less responsible drivers than middle-aged or older drivers. 

The average car insurance cost of teenagers in Pembroke, MA is  $4,267 whereas, for the drivers between the age group of 30 to 60 years average car insurance cost is less than $1,300. Many insurance companies in Massachusetts also provide discounts to customers for completing the advanced driving courses. 

Multi-Car Insurance: 

Multi-car insurance policies can influence the cost of auto insurance in Pembroke, MA significantly.  Most of the auto insurers in Pembroke, MA offer discounts on multi-car insurance policies. Bundling is another way of increasing your savings. Car owners can also opt to insure their life, auto, and home insurance with the same insurer to get added benefits.

Auto insurance cost for 2 vehicles in  Pembroke, MA is $2,236 whereas, for 3 vehicles it is $3,353. Using multi-car insurance policy car owners can save $395 on 2 cars and $592 on 3 cars. Moreover, insuring 4 vehicles with the same insurance company can further reduce $789. 

Driving Violations: 

Driving Violations is another crucial factor that influences the cost of car insurance in Pembroke, MA. Violations such as driving with an expired license or speeding can have a severe influence on auto insurance costs in Pembroke, MA mainly because it increases the amount of risk being covered by insurers. 

If car owners in Pembroke, MA drive without headlights it can increase the insurance cost by $58. Driving at a considerably slow or using a cellphone while driving can increase the insurance cost by more than $250. More severe violations like driving with an expired or suspended license can increase the auto insurance cost by $886 in Pembroke, MA. 

Anti-Theft Feature: 

Equipping vehicles with anti-theft features like an audible alarm or active disabling device can influence the cost of car insurance in Pembroke, MA. Cars equipped with safety devices are less prone to thefts, therefore, auto insurance companies provide a considerable amount of discounts to vigilant car owners. However, these discounts on auto insurance depend on the type and number of safety devices installed in the vehicle.