Boston, NY Auto Insurance Rates, Quotes, Agents & Reviews
Zimlon, through its research, found that car owners in Boston, NY, can avail multiple discounts on car insurance by taking various factors into consideration. These factors are explored in detail by Zimlon in the analysis below.
Best Car Insurance Rates in Boston, NY
If you are looking for the best car insurance rates in Boston, NY, you have come to the right place. In this article, This article will provide tips on getting the best car insurance rates in Boston, NY. Car insurance rates in Boston, NY, are on the rise. However, car insurance rates vary significantly based on a number of factors, including the type of car you drive, your driving record, your age, where you live, and the amount of coverage you need. The average cost of car insurance in Boston, NY, is $1691.
There are a few things that you need to keep in mind when you are shopping for car insurance in Boston, NY. The first thing that you need to do is to shop around and compare rates from different insurance companies. Secondly, make sure that you are getting the coverage that you need and that you are not overpaying for your coverage. Third, you need to ensure that you get the best possible service from your insurer. You can do this by reading reviews of different insurers and talking to people who have used them. A few factors that can affect car insurance prices in Boston, NY, are listed in this article. By following this guidance, you should be able to get the best car insurance rates in Boston, NY.
1. Credit History
When it comes to car insurance, your credit history can play a big role in how much you pay. Generally, drivers with good credit pay less for their coverage than those with bad credit. Here are a few reasons your credit history can affect your car insurance rates. For one, insurance companies see people with good credit as more responsible and less likely to file a claim. Also, people with good credit are often more financially stable, which means they’re less likely to miss a premium payment. In Boston, New York, car owners with exceptional credit scores have to pay $1,451, while those with bad or low credit must pay $2,758. Therefore, car owners must have a respectable credit score to qualify for savings on auto insurance rates in Boston, NY. So, if you have good credit, you may be able to save money on your car insurance by shopping around and comparing rates.
2. Age of the Driver
Car insurance rates are based on various factors, including the driver's age. In general, young drivers tend to be more expensive to insure than older drivers. This is because young drivers are more likely to be involved in accidents than older drivers. For example, teenagers pay $5,487 on auto insurance in Boston, NY, whereas old drivers aged 40 years pay $1,610 on auto insurance in Boston, NY. You can also look for discounts that may be available to you. Some insurers offer discounts for good students or for taking a defensive driving course. You may also be eligible for a discount if you have a clean driving record. Ultimately, the best way to save on car insurance is to shop around and compare rates from different insurers. Ensure you are getting the coverage you need and not paying too much for your policy.
3. Driving Habits
Drivers with a clean driving record will typically pay less for their car insurance than those with accidents or traffic violations on their record. Insurers in Boston, NY, use a driver’s history as one of the main factors in determining rates because it is a good indicator of future risk. Drivers with a history of accidents or traffic violations are more likely to get into another accident or receive a ticket, which costs the insurer money. While a clean driving record is the best way to keep your car insurance rates low, there are other things you can do to keep your rates down. For example, speeding and running red lights while driving a car in Boston, New York, respectively, cost you additional premiums of $414 and $394.
Factors that can influence the cost of car insurance in Boston, NY are listed below. It is imperative to understand these factors in order to reduce the cost of car insurance. It is also essential to strike a balance between the cost of insurance and the coverage requirements.
- Boston, NY Auto Insurance Rates
- Boston, NY Auto Insurance for Different Deductible
- How the Age of Driver Affects Insurance Rates in Boston, NY
- Multi Vehicle Insurance Savings in Boston, NY
- How Credit Score Affects Car Insurance Rates in Boston, NY
- How DUI Affects Auto Insurance Premiums in Boston, NY
- Top Auto Insurance Agents Near Boston, NY
- How Driving Violations Affect Auto Insurance Rates in Boston, NY
- Boston, NY Auto Insurance Discounts on Anti Theft Feature
Boston, NY Auto Insurance Rate Comparisons with Neighboring Locations | Back to Top
The following table compares the cost of insurance in Boston, NY with that of other cities in and around Boston.
| Boston | Hamburg | Erie County | North Collins | Eden | Orchard Park | |
|---|---|---|---|---|---|---|
| Average Insurance Rates | $1,691 | $1,162 | $1,665 | $1,656 | $1,682 | $1,718 |
Boston, NY Auto Insurance Rates vary Based on Deductibles in Neighboring Cities | Back to Top
The following table makes a comparison of the variation in car insurance rates in and around Boston, NY based on the change in deductibles. A higher deductible leads to a decrease in the cost of car insurance.
| Location | Low Deductible ($500) | High Deductible ($1000) |
|---|---|---|
| Boston | $1,495 | $1,262 |
| North Boston | $1,129 | $954 |
| Colden | $1,043 | $881 |
| Eden | $1,569 | $1,325 |
| Orchard Park | $1,251 | $1,057 |
| Erie County | $1,518 | $1,282 |
| North Collins | $1,503 | $1,269 |
| Hamburg | $1,050 | $887 |
Boston, NY Auto Insurance Rates Based on the Age of the Driver | Back to Top
Teenagers in Boston, NY usually pay a much higher car insurance rate compared to the rest of the state as they are generally considered to be less responsible behind the wheel. Middle-aged drivers are likely to pay lower car insurance premiums if they are considered to be safer drivers by insurance companies.
| Age of Driver | Insurance Cost |
|---|---|
| Teens | $5,487 |
| 20 Years | $2,173 |
| 30 Years | $1,674 |
| 40 Years | $1,610 |
| 50 Years | $1,491 |
| 60 Years | $1,512 |
| 70 Years | $1,760 |
Boston, NY Car Insurance Discounts for Multi-Car Insurance | Back to Top
Car owners in Boston, NY can obtain discounts if they insure multiple vehicles with the same insurer. The average savings one can obtain are as follows:
| Number of Cars | Auto Insurance Cost | Total Savings |
|---|---|---|
| 2 Vehicles | $2,875 | $507 |
| 3 Vehicles | $4,312 | $761 |
| 4 Vehicles | $5,749 | $1,015 |
Savings on 2 Vehicles bundle:$507
Savings on 3 Vehicles bundle:$761
Savings on 4 Vehicles bundle:$1,015
Boston, NY Post- DUI Auto Insurance Rates | Back to Top
Driving Under Influence (DUI) can be an added burden on your wallet. The cost of auto insurance will go up post-DUI. The below graph does a comparison of auto insurance rates before and after DUI in and around Boston, NY.
| Location | Average Insurance Cost | Post DUI Insurance Rate |
|---|---|---|
| Boston | $1,691 | $2,551 |
| North Boston | $1,678 | $2,532 |
| Colden | $1,697 | $2,560 |
| Eden | $1,682 | $2,538 |
| Orchard Park | $1,718 | $2,592 |
| Erie County | $1,665 | $2,512 |
| North Collins | $1,656 | $2,498 |
| Hamburg | $1,162 | $1,753 |
Boston, NY Auto Insurance Rates Based on Credit Score | Back to Top
Car insurance companies can use the Credit Score of car drivers to determine car insurance rates. Car drivers with good credit can avail of substantial discounts on car insurance rates.
| Credit Score | Insurance Cost |
|---|---|
| Exceptional (800-850) | $1,451 |
| Excellent (740-799) | $1,656 |
| Good (670-739) | $1,762 |
| Average (580-669) | $2,299 |
| Poor (300-579) | $2,758 |
Boston, NY Auto Insurance Agents | Back to Top
Car owners can obtain quotes from multiple auto insurance companies. Comparing different quotes can help identify the cheapest auto insurance provider best suited for their coverage needs.
| Agent Name | Company | Agent Address | Contact Details |
|---|---|---|---|
| Jill Maraschiello | Liberty Mutual | 3215 Southwestern Blvd. Ste 200, Orchard Park, 14127 | 1-716-677-2734 |
| Edwin F. Heary | Allstate | 7170 Boston State Rd, Hamburg, 14075 | (716) 648-0921 |
| Kim Mezzio | Allstate | 239 Buffalo St, Hamburg, 14075 | (716) 648-3050 |
| Great Lakes Insurance Services Group Llc | Travelers | 4535 SOUTHWESTERN BLVD STE 808, HAMBURG, 14075 | 716-312-0205 |
| Lawley Service | None | 361 Delaware Avenue, Buffalo, 14202 | (716)580-5146 |
| The Cesar Group Inc | Liberty Mutual Independent | 354 Cayuga Rd Ste 1, Cheektowaga, 14225 | None |
| Insurance Agency Of Western New York Inc | Travelers | 6455 LAKE AVE - STE A-1, ORCHARD PARK, 14127 | 716-662-9757 |
| Edwin R Heary | Travelers | 250 QUAKER RD, EAST AURORA, 14052 | 716-652-5000 |
| Stanton Ryan & Dauer Agency | Travelers | 6455 LAKE AVE - SUITE A-1, ORCHARD PARK, 14127 | 716-675-6666 |
| Debra R Hamsher | Nationwide | 1101 Niagara Falls Blvd, Buffalo, 14226-1198 | (716) 833-1900 |
Boston, NY Auto Insurance Rates can Increase Based on Driving Violations | Back to Top
Auto insurance rates tend to increase depending on the type and number of driving violations. The driving violations can stay on the record for a considerable amount of time leading to higher auto insurance rates. The severity of the driving violation and place of residence will determine how long the violation stays on record.
| Driving Violation | Cost Increase | Total Insurance Cost |
|---|---|---|
| Driving Without Headlights | +$74 | $1,765 |
| Driver's Failure In Showing Documents | +$164 | $1,855 |
| Driving With An Expired Registration | +$174 | $1,865 |
| Driving At A Considerably Slow Pace | +$367 | $2,058 |
| Using A Cellphone While Driving | +$387 | $2,078 |
| Running A Red Light | +$394 | $2,085 |
| Speeding | +$414 | $2,105 |
| Driving A Vehicle Without The Required Permission | +$526 | $2,217 |
| Driving With An Expired/Suspended License | +$1,140 | $2,831 |
Boston, NY Auto Insurance Rates Based on Anti-Theft Feature | Back to Top
Cars that are equipped with safety devices are less prone to thefts. As a result, auto insurance companies provide a considerable amount of discounts to vigilant car owners. The discounts vary depending on the type and number of safety devices installed.
| Anti Theft Feature | Insurance Cost |
|---|---|
| Audible Alarm | $1,623 |
| Active Disabling Device | $1,623 |
| Tracking Device | $1,590 |
| Passive Disabling Device | $1,573 |