As in most cities throughout the country, in Cambridge auto insurance is a must-have no matter how tight your budget is. Bordering the city of Boston, Cambridge has insurance ratings for a bigger city than its little more than 101,000 population base would normally require. Cambridge residents, on average, travel to Boston very regularly, so their risk of being involved in an accident is the same as Bostonians. For this reason, good car insurance is critical to the financial health of those living here.

Cambridge Auto Insurance Necessities

Everyone has different auto insurance needs. It is important for you to know how to determine exactly what your needs are in order to make the best insurance choices possible. The minimum coverage mandated by the state that is necessary for everyone to carry include: $20,000 bodily injury liability per person, $40,000 bodily injury liability total per accident and $5,000 property damage liability. Uninsured motorist coverage in the amounts of $20,000 per person and $40,000 per accident must also be carried, as well as Personal Injury Protection or PIP in the amount of $8,000.

Because Cambridge is a city in which a huge number of people walk and many others bicycle as their main form of transportation, chances of an accident involving a pedestrian or cyclist are higher than in many other cities. The standard of living, including medical care, is also very high in Massachusetts. For these reasons, it is truly important to carry a higher liability limit than is required by the state. If you are responsible for an accident in which personal injuries occur then the $20,000 and $40,000 limits can be reached very quickly. After that, you are personally responsible for paying the costs.

If you are a student at one of Cambridge’s most well-known universities like Harvard and Massachusetts Institute of Technology, or any of the other colleges there, you may have slightly differing needs than some of the city’s other residents. If you have an older car, you may want to save money by not covering it with collision and comprehensive insurance. However, if your vehicle is financed, you will have to carry such coverage. Since college students are typically younger, they do not have as much driving experience and will often have higher rates as a result. Therefore, any ways to save on car insurance are welcome.

Saving On Cambridge MA Auto Insurance

Since Cambridge, Massachusetts is one of the most expensive cities in the country in terms of auto insurance, many people seek ways to reduce the cost of their auto insurance. A few tips can help you get the best rate possible.

Remember to always ask for discounts. You may not have all the discounts that you are eligible for. Some companies even offer unusual discounts to individuals who are members of certain groups or subscribers to certain magazines or colleges. Ask about every type of discount they offer.

Limit the amount of use you put on your car. By driving fewer miles per year, you should pay less in car insurance.

When purchasing a car, research the cost of insuring it. Choosing certain safety features will often impact the cost of your premium. The car’s rating is also determined by its make and model. A sedan is usually significantly less expensive to insure than a sports car.

Take driver training programs to reduce your annual premium. This is true for older drivers, as well as younger ones.

Finding Cambridge Auto Insurance Deals

Technology has helped greatly in the car insurance price shopping process. Not only can you get insurance quotes online, but you can also efficiently compare quotes using free comparison tools that provide you with a variety of quotes from insurers serving Cambridge. You will always be comparing the exact same coverage from each of the companies because the quotes are based on the information you provided once. You no longer have to call company after company, repeating the same things, forgetting to tell one of the companies something you had told another. Finding the best car insurance deal is easy online.

The best price however, may not always be the best deal for you and your needs. Once you’ve checked the prices and narrowed down your choices, go to the Massachusetts Division of Insurance website and do your homework. They compile and publish data on the different companies doing business in the state and the number of complaints they receive versus their share of the auto insurance market. If you are getting your best price from a company with the highest percentage of complaints, you may want to opt for one with a better track record.

Living in the Boston area offers no limit to fun things to do. Whether you are visiting Quincy Market, going to a Patriot's game or completing your schooling, make sure you are well protected. Get started comparing Cambridge auto insurance quotes online from competing companies to save yourself some money!