How to Compare Insurance Rates in Massachusetts
If you are in the market for new insurance in Massachusetts, you can get a variety of different rate quotes from the various insurers. This is true for all types of insurance, such as health and auto. Regardless of what specific type of insurance you need to purchase, you can compare your rate quotes in the same manner. Doing so allows you to pick the best insurance for you and your family.
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Instructions
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Solicit quotes, if you have not already done so, from insurance companies in your area of Massachusetts. You can use an online site such as Insurance Agents or Insurance Quotes (see Resources) to get multiple quotes at one time. Or you can call or visit local agent offices in your area. Some of the insurance companies in Massachusetts include Ameriprise, GEICO, Allstate, Liberty, Norfolk & Dedham, Plymouth Rock and State Farm. The Massachusetts Office of Consumer Affairs & Business Regulation website has a premium comparison tool spreadsheet for auto insurance.
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Arrange the quotes in order of price. This lets you know which is the cheapest and the most expensive.
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Look at the deductible amounts for each of the quotes. You need to identify the quotes that have a deductible amount with which you are comfortable. For instance, you may be OK with a deductible up to $1,000 and not anything higher than that. With health insurance, you will also want to look at the co-pay amounts.
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Check the coverage amounts and benefit limits to see which of the quotes meet your needs. For instance, health insurance often has a maximum lifetime benefit amount as well as a maximum amount for certain services. With auto insurance, you may only have $25,000 in property damage coverage or it may be higher. Also look for exclusions with health insurance quotes as some policies will not cover mental health problems or maternity bills.
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