Cheapest Car Insurance for Handicapped Drivers in Massachusetts

The words “low-cost” and “insurance” really should not be used together, specifically when searching for the best car insurance rates for handicapped drivers. Because it’s so expensive, let’s go over some of the factors that can significantly affect auto insurance prices, and come up with some ideas to take the sting out of the next policy you buy.

The safety and performance level of the vehicle you are trying to insure is one of the largest considerations in finding the cheapest car insurance for handicapped drivers in Massachusetts. Vehicles with limited speed and performance, good crash test ratings, or a track record of few liability claims will cost less to insure than higher performance models.

The information below shows insurance premiums for some of the most cost-effective vehicles to buy coverage for.

Price data assumes married female driver age 40, no speeding tickets, no at-fault accidents, $1000 deductibles, and Massachusetts minimum liability limits. Discounts applied include safe-driver, claim-free, homeowner, multi-policy, and multi-vehicle. Rate information does not factor in specific zip code location which can influence coverage prices greatly.

Data based on married female driver age 40, no speeding tickets, no at-fault accidents, $1000 deductibles, and Massachusetts minimum liability limits. Discounts applied include safe-driver, homeowner, claim-free, multi-vehicle, and multi-policy. Table data does not factor in Massachusetts location which can decrease or increase rates significantly.

Prices above based on married female driver age 40, no speeding tickets, no at-fault accidents, $1000 deductibles, and Massachusetts minimum liability limits. Discounts applied include safe-driver, multi-policy, claim-free, multi-vehicle, and homeowner. Price estimates do not factor in specific garaging location which can affect premium rates significantly.

When shopping for cheaper car insurance for drivers with handicaps, one of the many components that car insurance companies use to determine auto insurance rates is where you call home in Massachusetts. Areas with a lot of weather claims or more people like Revere, Lynn, and Springfield tend to pay higher rates, whereas areas with less people or fewer weather incidents generally pay less for car insurance.

The information below lists the most expensive cities in Massachusetts for handicapped drivers to purchase a policy in.

Rate quotes are estimated as the specific Massachusetts residence address can change coverage prices noticeably.

Discounts on Massachusetts insurance rates

Insurance companies that sell the cheapest car insurance for handicapped drivers in Massachusetts may provide special discounts that could potentially reduce rates by 40% or more if you are eligible for them. The best car insurance companies and a summarized list of policyholder discounts are shown below.

• State Farm may include discounts for defensive driving training, passive restraint, Steer Clear safe driver discount, Drive Safe & Save, and accident-free.
• Farmers Insurance offers premium reductions for switch companies, homeowner, teen driver, mature driver, business and professional, and good student.
• GEICO discounts include anti-theft, membership and employees, seat belt use, emergency military deployment, and driver training.
• American Family may have discounts that include good driver, good student, air bags, bundled insurance, TimeAway discount, early bird, and accident-free.
• Nationwide may offer discounts for easy pay, multi-policy, anti-theft, business or organization, family plan, Farm Bureau membership, and accident-free.
• Progressive has savings for online quote discount, continuous coverage, good student, multi-vehicle, and online signing.

The example below shows the comparison of auto insurance rates with and without discounts applied to the policy rates. Data assumes a female driver, no accidents or driving violations, Massachusetts state minimum liability limits, comprehensive and collision coverage, and $500 deductibles. The first bar for each age group shows premium with no discounts. The second bar shows the rates with anti-theft, passive restraint, multiple policy, defensive driving course, safe-driver, and accident-free discounts applied. When discounts are applied, the average amount saved each year on car insurance for handicapped drivers is 28% or $416.

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How to find economical auto insurance for handicapped drivers

The list below details some of the better money-saving solutions that can help you get low-cost coverage.

• At-fault accidents can raise rates significantly
• Pay for small claims rather than turning them in to your insurance company
• Buying car and homeowners insurance together can save money
• Get cheaper liability coverage by choosing a safer vehicle
• Remove physical damage coverage on older vehicles
• Serious violations like DUI or careless driving can make car insurance unaffordable
• Compare rates once a year for cheaper prices

That last piece of advice is especially necessary, as we emphasized in the article above. Car insurance rates change a lot, so you should be ready to switch to a new company if a better deal can be had.

Having brand loyalty is commendable, but it’s not a good idea if that stubbornness costs you money that could be going to better use. In just a couple of minutes you could compare prices to find cheaper insurance for handicapped drivers.

Cheapest insurance quotes for drivers with handicaps

Drivers have many ways to buy car insurance in Massachusetts, but the most prevalent ways are through a captive (or exclusive) agent like State Farm or Allstate, an independent or non-exclusive agent, or from a direct company like Geico or Progressive. Each way has the same basic process, but shoppers should understand the differences in how they price policies.

Independent insurance agents work for many companies and can get rate quotes from each one. They do not work for one specific company and can give you a larger rate selection, which may provide you with a better overall rate comparison. If your agent finds a cheaper company, your policy can be easily switched to a different company which makes it easier to save money.

An exclusive agent is limited to one company, examples being a Liberty Mutual or State Farm agent. These agents usually cannot compare other company’s rates, so if finding the cheapest coverage is your goal, you will need to shop around.

If you want to buy car insurance direct, you do not use an independent or exclusive agent and instead shop buying direct from a company like Geico or Progressive. Shopping for car insurance direct may be good for drivers who do not need high amounts of coverage and have a decent understanding of what car insurance covers and what it doesn’t.

So comparing independent agents, exclusive agents, and direct, which one works best to buy the cheapest car insurance for handicapped drivers in Massachusetts? The quick answer would be shopping direct saves the most money because you bypass the middleman, but unfortunately, that is not the case. And we’d like to say an independent agent is the best way to save because you have more choices, but that idea is not necessarily true either. For the right applicant, the exclusive agents may have very competitive prices that cannot be beaten by either independent or direct companies.

Because there is so much variation in car insurance prices, the one way to get the lowest rate is to get quotes and compare the rates. Experts recommend getting rate quotes from all three to have enough rates to compare. For a list of car insurance companies with low rates, click here to view.