Auto Insurance Options In Randolph, Ma

If you're looking for auto insurance in Randolph, MA, there are a number of companies that can help. It's worth shopping around to find the right coverage for your needs, and independent agents or brokers can provide valuable guidance on the type of coverage you need and any discounts you may be eligible for. Some of the auto insurance providers in Randolph, MA, include Acceptance Insurance Agency, Crowley Insurance Agency, Tam Doan: Allstate Insurance, Kaplansky Insurance, and Randolph Insurance Inc. Online tools such as Wirefly can also assist in comparing car insurance rates from different providers.

Auto insurance brokers in Randolph, MA

Randolph, Massachusetts has a number of auto insurance brokers and dealerships. Here is a list of some of the auto insurance brokers in Randolph, MA:

Smoller Insurance Agency

Smoller Insurance Agency offers home and rental insurance as well as auto insurance. A customer review mentions how efficient, economical, and overall positive their experience was with the agency.

Allstate Insurance: The Hanley Agency

Allstate Insurance offers home and rental insurance, auto insurance, and life insurance. A customer review mentions how they saved almost $600 on their auto insurance and praised the level of service provided by the agency.

McSweeney & Ricci Insurance Agency

McSweeney & Ricci Insurance Agency handles home and auto insurance. A customer review mentions that the agency is better than any other agent or direct company they have ever worked with.

Delaney Insurance Agency

Delaney Insurance Agency offers home and rental insurance as well as auto insurance. A customer review mentions that they saved $800/year on their auto insurance by switching to a policy recommended by the agency.

Northeast Insurance Agency

Northeast Insurance Agency provides home and rental insurance and auto insurance. A customer mentions how prompt and helpful Scott from the agency was with their auto insurance renewal.

Kaplansky Insurance

Kaplansky Insurance offers auto insurance, home and rental insurance, and life insurance.

Rockland Auto Brokers

Rockland Auto Brokers is a used car dealership located at 391 N Main St, Randolph, MA 02368. They are open Monday to Friday from 8:30 AM to 5:00 PM, Saturday from 8:30 AM to 2:00 PM, and on Sunday by appointment. They promise the lowest prices on used cars, trucks, and SUVs, as well as great auto quality and extended warranties.

Crowley Insurance Agency

Crowley Insurance Agency is another option for auto insurance in Randolph, MA, located at 659 N Main St, Randolph, MA 02368.

Tam Doan: Allstate Insurance

Tam Doan: Allstate Insurance is located at 941 N Main St, Randolph, MA 02368, and is another potential option for auto insurance in the area.

Massachusetts has some of the highest auto insurance premiums in the country, with Randolph car insurance rates continuing to rise due to factors such as population density and costly repair bills. Therefore, it is beneficial to compare quotes from different companies and take advantage of any available discounts to find the most affordable option.

Randolph, MA auto insurance costs

Auto insurance costs in Randolph, Massachusetts, are among the highest in the country, with the state's dense population and costly repair bills contributing to the high premiums. The average annual cost of full coverage auto insurance in Massachusetts is around $1,260. Randolph's auto insurance rates are also affected by the state's requirement for drivers to carry personal injury protection (PIP) coverage, which raises premium costs.

Factors Affecting Randolph, MA Auto Insurance Costs

Several factors influence the high cost of auto insurance in Randolph, MA:

• Population Density: Massachusetts is a densely populated state, which increases the risk of accidents and drives up claims payouts.
• Costly Repair Bills: Auto body shops and mechanics in Massachusetts tend to charge higher rates than the national average, making it more expensive to insure cars in the state.
• Personal Injury Protection (PIP) Coverage: Massachusetts is one of the few states that require drivers to carry PIP coverage, which adds to the overall cost of auto insurance.
• Young Drivers: In Massachusetts, insurance companies can charge young and inexperienced drivers up to double the rate of older drivers with the same coverage and history.
• Gender: Male drivers in Randolph, MA, tend to pay higher insurance rates than female drivers due to their perceived higher risk of engaging in risky driving behaviours.
• Driving Record: A driver's history, including speeding tickets, reckless driving, and driving under the influence, can significantly impact their insurance premiums.
• Vehicle Type and Age: The make, model, and age of a vehicle can affect insurance rates, with newer or more valuable cars typically requiring higher coverage.
• Location: The specific area within Randolph, MA, can impact insurance rates, with some neighbourhoods having higher accident or theft rates.
• Parking: Parking on the street instead of in a locked garage may result in higher insurance rates.
• Credit Score: Insurance providers consider an individual's credit score when determining premiums, with higher scores often resulting in lower rates.

Ways to Save on Auto Insurance in Randolph, MA

While auto insurance costs are high in Randolph, there are several ways to save money:

• Compare Quotes: Shopping around and comparing quotes from different insurance providers can help individuals find the best rates and coverage for their needs.
• Discounts: Taking advantage of available discounts, such as those for age, loyalty, accident-free records, and good driving records, can reduce premiums.
• Bundling: Combining auto and homeowners insurance with the same provider often results in cost savings and streamlined management.
• Pay-Per-Mile Insurance: This type of insurance is based on driving habits and annual mileage, offering discounts for low mileage and safe driving behaviour.
• Student Discounts: College and high school students with good grades may be eligible for substantial discounts on their auto insurance.
• Safe Driving: Maintaining a safe driving record and avoiding infractions can help keep insurance costs down.

Auto Insurance Providers in Randolph, MA

There are several auto insurance providers serving the Randolph, MA, area, including:

• Acceptance Insurance Agency
• Smoller Insurance Agency
• Allstate Insurance: The Hanley Agency
• McSweeney & Ricci Insurance Agency
• Delaney Insurance Agency
• Northeast Insurance Agency
• Lydon & Murphy Insurance
• Prestige Insurance Agency
• New England Insurance Solutions
• Kaplansky Insurance
• Crowley Insurance Agency
• Tam Doan: Allstate Insurance
• Automobile Insurers Bureau
• Randolph Insurance Inc.

While auto insurance costs in Randolph, MA, are high, there are opportunities to find affordable coverage by comparing quotes, taking advantage of discounts, and choosing the right provider for individual needs. It is important for drivers to understand their options and make informed decisions to ensure they have the best coverage at a responsible cost.

Randolph, MA auto insurance requirements

Auto insurance is mandatory in Massachusetts, and Randolph drivers must carry a minimum amount of liability insurance. The required limits are:

• $20,000 bodily injury per person
• $40,000 bodily injury per accident
• $5,000 property damage per accident

In addition to the above, Randolph drivers must also carry uninsured/underinsured motorist coverage with the same limits as their liability policy. This type of insurance will protect you in case you are involved in an accident with a driver who does not have sufficient auto insurance to cover your damages.

Massachusetts is among the states with the most expensive car insurance costs, with an average annual premium of $1,260 for full coverage. Randolph car insurance rates are influenced by factors such as population density, costly repair bills, and the requirement to carry personal injury protection (PIP) coverage.

When shopping for auto insurance in Randolph, it's important to consider your driving habits, environment, and budget. The area of Randolph where you reside, your driving history, and where you typically drive and park your car can all impact your insurance rates.

There are several auto insurance providers in Randolph, MA, including:

• Acceptance Insurance Agency
• Crowley Insurance Agency
• Tam Doan: Allstate Insurance
• Automobile Insurers Bureau
• Kaplansky Insurance
• Randolph Insurance Inc.
• Smoller Insurance Agency
• Allstate Insurance: The Hanley Agency
• McSweeney & Ricci Insurance Agency
• Delaney Insurance Agency
• Northeast Insurance Agency
• Lydon & Murphy Insurance
• Prestige Insurance Agency
• New England Insurance Solutions
• Kaplansky Insurance

By comparing quotes from different providers and taking advantage of available discounts, Randolph drivers can help lower their car insurance costs.

Discounts on auto insurance in Randolph, MA

Auto insurance discounts in Randolph, MA can be found at various companies, including GEICO, Liberty Mutual, Allstate, MetLife, Acceptance Insurance Agency, and more. These companies offer a range of discounts, allowing residents to save on their auto insurance premiums. Here are some common types of discounts available:

Driver History Discounts

Insurers like Allstate, American Family, Farmers, Geico, Liberty Mutual, Nationwide, State Farm, and Travelers offer discounts for accident-free records or "good driver" behaviour. This generally means having no accidents or violations in the past three to five years. Defensive driver discounts are also available from certain companies for those who complete a defensive driving course.

Affiliation Discounts

Your profession, school, or associations may qualify you for lower rates. Alumni or membership discounts are offered by Farmers, Geico, and Travelers, while military and federal employee discounts are provided by Farmers, Geico, and Liberty Mutual.

Vehicle-Related Features Discounts

Insurers like Allstate, Farmers, Geico, Nationwide, and State Farm offer discounts for alternative energy vehicles, such as electric cars. Anti-theft device discounts are also common, rewarding individuals who have protective devices like alarms or steering wheel locks installed in their vehicles. Safety equipment discounts are available from companies like Allstate, American Family, Farmers, Geico, and State Farm for features like anti-lock brakes and dual airbags.

Personal Traits Discounts

Full-time students with good grades can benefit from good student discounts offered by most insurers, including Allstate, American Family, Farmers, Geico, Liberty Mutual, Nationwide, Progressive, and Travelers. Homeowners discounts are also available from certain providers, even if you don't have a bundled policy.

Customer Loyalty Discounts

Some insurers, like American Family and Travelers, reward customer loyalty with discounts. You may also qualify for multiple-car discounts if you insure more than one vehicle with the same company. Progressive offers this discount even for cars that you don't own but are parked at your address. Bundling discounts are also common, allowing you to save by combining your auto insurance with other types of insurance policies, such as home or renters insurance.

Policy-Related Discounts

Policy-related discounts are often available for automatic payments, early shopping (getting a quote before your current policy expires), and paying your policy in full. Paperless discounts are also offered by many companies, rewarding you for opting to receive policy documents electronically.

In addition to these common discounts, remember to compare quotes from different insurers and ask about any unique discounts they may offer. By combining these discounts and choosing the right coverage for your needs, you can save significantly on your auto insurance in Randolph, MA.

Auto insurance companies in Randolph,MA

Randolph, Massachusetts has some of the highest auto insurance premiums in the country, with an average annual cost of around $1,260 for full coverage. This is due to factors such as population density and costly repair bills. The state government regulates car insurance rates, meaning individual insurers cannot lower their prices. Randolph drivers can still find ways to save money on their premiums by comparing quotes and taking advantage of discounts.

Acceptance Insurance Agency

Located at 24 North St, Randolph, MA 02368, Acceptance Insurance Agency offers auto insurance services.

Crowley Insurance Agency

Crowley Insurance Agency is a family-owned and operated business that has been providing insurance services since 2000. They offer a tailored program for each client, whether it be personal or business insurance coverage. They are located at 659 N Main St, Randolph, MA 02368.

Tam Doan: Allstate Insurance

Tam Doan: Allstate Insurance is located at 941 N Main St, Randolph, MA 02368. Allstate is a popular option for Randolph car insurance, offering comprehensive coverage and discounts for multiple vehicles and safe driving records.

Randolph Insurance Inc

Randolph Insurance Inc is located at 901 N Main St, Randolph, MA 02368. They provide auto insurance services in Randolph, MA.

Kaplansky Insurance

Kaplansky Insurance is located at 10 Mazzeo Dr, Randolph, MA 02368, and 21 Mazzeo Dr, Randolph, MA 02368. They offer auto insurance services in the area.

Smoller Insurance Agency

Smoller Insurance Agency offers home and rental insurance, as well as auto insurance. They respond to inquiries in about 20 minutes.

Allstate Insurance: The Hanley Agency

Located in Randolph, MA, The Hanley Agency offers auto, home, and life insurance services. They have been praised for their efficient and economical services.

McSweeney & Ricci Insurance Agency

McSweeney & Ricci Insurance Agency provides auto, home, and rental insurance services. They have been commended for their excellent handling of insurance policies.

Delaney Insurance Agency

Delaney Insurance Agency offers auto and home insurance. A customer review mentions saving $800/year by switching to a policy recommended by the agency.

Northeast Insurance Agency

Northeast Insurance Agency provides auto and home insurance services. They are known for their prompt and helpful service.

Lydon & Murphy Insurance

Lydon & Murphy Insurance offers auto, home, and rental insurance. A customer testimonial highlights their positive experience with the company, stating that they don't think they will ever switch to another car insurance company.

Prestige Insurance Agency

Prestige Insurance Agency provides auto, home, and life insurance services. They have been praised by customers for their helpfulness and being the "greatest insurance company around."

New England Insurance Solutions

New England Insurance Solutions offers auto, home, and life insurance. They work with customers to customize insurance products to meet their specific needs.

Frequently asked questions