West Yarmouth, MA Auto Insurance Rates, Quotes, Agents & Reviews
Zimlon, through its research, found that car owners in West Yarmouth, 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.
Overview of Car Insurance in West Yarmouth, MA
The average cost of car insurance in West Yarmouth, MA, is $1,281. The purpose of car insurance is to protect you against financial loss in the event of an accident or any other damage. Several elements decide how much the car owners pay each month on their car insurance in West Yarmouth, MA, including the driver's credit score, age and gender, marital status, and others. Understanding how auto insurance companies use these factors to determine auto insurance rates can help you find the best deal for a lower price.
a. Credit History
Credit-based scores are arguably among the most common factors the insurance provider considers when deciding auto insurance rates in West Yarmouth, MA. For instance, car owners with exceptional credit scores have to pay $1,099, whereas car owners with poor credit scores have to pay $2,089 in West Yarmouth, MA. Hence, the higher the credit score, the lower the auto insurance rates in West Yarmouth, MA.
b. Age of the driver
Your age is one of the biggest factors influencing your auto insurance rates in West Yarmouth, MA. Rates are always higher for young and teenage drivers because they are considered thoughtless and inexperienced behind the wheel. Therefore, they may face high car insurance rates in West Yarmouth, MA. For example, teenagers pay $4,157 on auto insurance in West Yarmouth, MA, whereas old drivers aged 40 years pay $1,220 on auto insurance.
c. Driving Habits
One of the primary factors influencing the car insurance rates in West Yarmouth, MA, is the clean driving history. Car owners can enjoy low premiums and other benefits on car insurance rates by avoiding traffic violations. For example, car drivers running a red light or driving with an expired license must pay +$298 and +$863 extra on the total cost of car insurance in West Yarmouth, MA.
Factors that can influence the cost of car insurance in West Yarmouth, 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.
- West Yarmouth, MA Auto Insurance Rates
- West Yarmouth, MA Auto Insurance for Different Deductible
- How the Age of Driver Affects Insurance Rates in West Yarmouth, MA
- Multi Vehicle Insurance Savings in West Yarmouth, MA
- How Credit Score Affects Car Insurance Rates in West Yarmouth, MA
- How DUI Affects Auto Insurance Premiums in West Yarmouth, MA
- Top Auto Insurance Agents Near West Yarmouth, MA
- How Driving Violations Affect Auto Insurance Rates in West Yarmouth, MA
- West Yarmouth, MA Auto Insurance Discounts on Anti Theft Feature
West Yarmouth, MA Auto Insurance Rate Comparisons with Neighboring Locations | Back to Top
The following table compares the cost of insurance in West Yarmouth, MA with that of other cities in and around West Yarmouth.
| West Yarmouth | Yarmouth Port | Dennis Port | South Yarmouth | Dennis | Barnstable Town | |
|---|---|---|---|---|---|---|
| Average Insurance Rates | $1,281 | $1,312 | $1,300 | $1,290 | $1,318 | $1,309 |
West Yarmouth, 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 West Yarmouth, 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) |
|---|---|---|
| West Yarmouth | $1,405 | $1,187 |
| Yarmouth | $1,439 | $1,215 |
| South Yarmouth | $1,289 | $1,088 |
| Yarmouth Port | $1,461 | $1,234 |
| West Dennis | $1,566 | $1,322 |
| Barnstable Town | $1,848 | $1,561 |
| Dennis | $2,302 | $1,944 |
| Dennis Port | $1,241 | $1,048 |
West Yarmouth, MA Auto Insurance Rates Based on the Age of the Driver | Back to Top
Teenagers in West Yarmouth, 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 |
|---|---|
| Teens | $4,157 |
| 20 Years | $1,646 |
| 30 Years | $1,268 |
| 40 Years | $1,220 |
| 50 Years | $1,130 |
| 60 Years | $1,145 |
| 70 Years | $1,333 |
West Yarmouth, MA Car Insurance Discounts for Multi-Car Insurance | Back to Top
Car owners in West Yarmouth, 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 |
|---|---|---|
| 2 Vehicles | $2,203 | $359 |
| 3 Vehicles | $3,305 | $538 |
| 4 Vehicles | $4,407 | $717 |
Savings on 2 Vehicles bundle:$359
Savings on 3 Vehicles bundle:$538
Savings on 4 Vehicles bundle:$717
West Yarmouth, 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 West Yarmouth, MA.
| Location | Average Insurance Cost | Post DUI Insurance Rate |
|---|---|---|
| West Yarmouth | $1,281 | $2,319 |
| Yarmouth | $1,295 | $2,345 |
| South Yarmouth | $1,290 | $2,336 |
| Yarmouth Port | $1,312 | $2,376 |
| West Dennis | $1,331 | $2,410 |
| Barnstable Town | $1,309 | $2,370 |
| Dennis | $1,318 | $2,386 |
| Dennis Port | $1,300 | $2,354 |
West Yarmouth, 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 |
|---|---|
| Exceptional (800-850) | $1,099 |
| Excellent (740-799) | $1,255 |
| Good (670-739) | $1,335 |
| Average (580-669) | $1,741 |
| Poor (300-579) | $2,089 |
West Yarmouth, 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 |
|---|---|---|---|
| Olde Cape Cod Insurance Agency | None | 296 Winter St , Hyannis, 2601 | None |
| Mark Sylvia Insurance Agency Llc | Travelers | 404 MAIN ST, CENTERVILLE, 2632 | 508-957-2125 |
| Passaro Leverone & Buckley Insurance Agency Inc | None | 239 Route 28 Dennisport, Dennis Port, 2639 | None |
| The Fair Insurance Agency Inc | Liberty Mutual Independent | 619 Main St Ste 1, CENTERVILLE, 2632 | (508) 775-3131 |
| Sylvia F Costa Insurance Agency | None | 15 Montello Street, Brockton, 2301 | None |
| Sylvia F Costa Insurance Agency | None | 15 Montello Street, Brockton, 2301 | None |
| Rita P Daddio Cisr | Liberty Mutual | 50 Derby St., Hingham, 2018 | 1-781-740-1920 |
| E P Tremblay & Sons Insurance | None | 35 Bowker Terrace, Somerset, 2726 | None |
| Barnicoat Insurance Agency | None | 167 S Main St, Acushnet, 2743 | None |
West Yarmouth, 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 | +$56 | $1,337 |
| Driver's Failure In Showing Documents | +$124 | $1,405 |
| Driving With An Expired Registration | +$132 | $1,413 |
| Driving At A Considerably Slow Pace | +$278 | $1,559 |
| Using A Cellphone While Driving | +$293 | $1,574 |
| Running A Red Light | +$298 | $1,579 |
| Speeding | +$314 | $1,595 |
| Driving A Vehicle Without The Required Permission | +$398 | $1,679 |
| Driving With An Expired/Suspended License | +$863 | $2,144 |
West Yarmouth, 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 |
|---|---|
| Audible Alarm | $1,230 |
| Active Disabling Device | $1,230 |
| Tracking Device | $1,204 |
| Passive Disabling Device | $1,191 |