Boston Auto Insurance Rates, Quotes, Agents & Reviews in NY

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.

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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 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