Stoneham, MA Auto Insurance Rates, Quotes, Agents & Reviews
Zimlon, through its research, found that car owners in Stoneham, MA, 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.
The Average Cost of Insurance in Stoneham, MA is $1,340
A car owner in Stoneham, MA, pays an average car insurance cost of $1,340. This cost is higher than in nearby locations like Malden but slightly lower than other nearby locations like Reading, Melrose, Wakefield, and Medford. Zimlon’s analysis shows that various factors like make and model of the car, location, age of the driver, and credit scores can make car insurance costs expensive in Stoneham, MA.
The neighborhood one lives in Stoneham, MA influences the cost of car insurance. Zimlon offers the option of keying in one’s zip code to get accurate auto insurance quotes from multiple auto insurance companies. Depending on several factors like the vehicle’s make and model and the rate of auto thefts in the neighborhood, the price can vary. Below is the average cost of car insurance in Massachusetts by location.
Age of the Driver:
According to Zimlon’s analysis, middle-aged drivers in Stoneham, MA, pay much less car insurance than teenagers. The average cost of car insurance for teenagers in Stoneham, MA, is $4,348, whereas drivers between the age of 30 to 60 years pay less than $1400. This difference is because young drivers are generally considered less responsible behind the wheel by insurance companies. Therefore, middle-aged drivers are likely to pay lower car insurance premiums if they are considered to be safer drivers by insurance companies.
Car owners in Stoneham, MA, can obtain discounts and make car insurance less expensive by insuring multiple vehicles with the same insurance company. 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.
Car owners in Stoneham, MA, can save $322 by opting to insure two cars together. Insuringthree or four cars would further help Stoneham, MA, residents save $482 and $643, respectively.
Having an “excellent” or “good” credit score will also help make car insurance less expensive in Stoneham, MA. Several auto insurance companies provide discounts to car owners that have a higher positive credit score. In Stoneham, MA, if a driver’s credit score is exceptional, the cost of auto insurance can be as low as $1,150. It can be as high as $1,822 and $2,186 if the credit score is average or poor.
Factors that can influence the cost of car insurance in Stoneham, MA 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.
- Stoneham, MA Auto Insurance Rates
- Stoneham, MA Auto Insurance for Different Deductible
- How the Age of Driver Affects Insurance Rates in Stoneham, MA
- Multi Vehicle Insurance Savings in Stoneham, MA
- How Credit Score Affects Car Insurance Rates in Stoneham, MA
- How DUI Affects Auto Insurance Premiums in Stoneham, MA
- Top Auto Insurance Agents Near Stoneham, MA
- How Driving Violations Affect Auto Insurance Rates in Stoneham, MA
- Stoneham, MA Auto Insurance Discounts on Anti Theft Feature
Stoneham, MA Auto Insurance Rate Comparisons with Neighboring Locations | Back to Top
The following table compares the cost of insurance in Stoneham, MA with that of other cities in and around Stoneham.
|Average Insurance Rates||$1,340||$1,360||$1,349||$1,344||$1,342||$1,311|
Stoneham, MA 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 Stoneham, MA 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)|
Stoneham, MA Auto Insurance Rates Based on the Age of the Driver | Back to Top
Teenagers in Stoneham, MA 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|
Stoneham, MA Car Insurance Discounts for Multi-Car Insurance | Back to Top
Car owners in Stoneham, MA 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|
Savings on 2 Vehicles bundle:$322
Savings on 3 Vehicles bundle:$482
Savings on 4 Vehicles bundle:$643
Stoneham, MA 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 Stoneham, MA.
|Location||Average Insurance Cost||Post DUI Insurance Rate|
Stoneham, MA 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|
Stoneham, MA 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|
|Cappadona Insurance Agency||None||25 Summer Street, Watertown, 2172||None|
|Peter Beatrice Insurance Agency||None||286 Humphrey St, Swampscott, 1907||None|
|Andrew T Philbin Ins Agency Inc||None||629 Broadway, Everett, 2149||None|
|Jeff Carbone Insurance Agency Inc||None||429 Main St, Melrose, 2176||None|
|Lewis-Clark & Brown Inc||Travelers||22 WOBURN ST STE 25, READING, 1867||781-944-0427|
|Patrick J Woods Insurance||None||40 Main Street, Peabody, 1960||None|
|Sartori Ins Agency Inc||Travelers||76 BEDFORD ST STE 37, LEXINGTON, 2420||781-861-6900|
|Angels Ins Agency Corp||Travelers||425A BROADWAY STE 1, EVERETT, 2149||617-389-7300|
Stoneham, MA 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||+$59||$1,399|
|Driver's Failure In Showing Documents||+$130||$1,470|
|Driving With An Expired Registration||+$138||$1,478|
|Driving At A Considerably Slow Pace||+$291||$1,631|
|Using A Cellphone While Driving||+$307||$1,647|
|Running A Red Light||+$312||$1,652|
|Driving A Vehicle Without The Required Permission||+$417||$1,757|
|Driving With An Expired/Suspended License||+$903||$2,243|
Stoneham, MA 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|
|Active Disabling Device||$1,286|
|Passive Disabling Device||$1,246|