Auto Insurance Quote Boston, Massachusetts MA

Reader’s Question:

I’m from Boston, Massachusetts. Is it true that my gender or marital status can affect the price of automobile insurance premiums that are quoted to me? A friend said that most insurance companies will offer cheaper quotes to married people. Is this legal?

Candice

Boston, MA

Hi Candice. I used to live in Massachusetts as well although not in Boston. Sadly, it is a practice for some insurance companies to factor in a persons gender or marital status, or both when coming up with a quotation for an automobile insurance policy. Generally individuals that are single, divorced or widowed will be quoted a higher rate than that of a married person. They attribute this to actuarial studies that find that married people are more responsible than those that are single. Same goes for women being more responsible drivers than men. Of course, this is not always a fair assumption. As to the legality, there’s good news and bad news. Good news is, the state of Massachusetts prohibits automotive insurers from using a persons civil status in pricing for car insurance. This would not apply to you. Sadly, the same cannot be said for the other states in the US.

Please note though that not all insurance companies put this into practice. If you plan on moving anytime soon, the best way to get a fair insurance policy would be to shop around and compare prices amongst different insurance companies. I suggest you snoop around online and see where you can get the best value for your money.

 

Tags: Gay Friendly Insurance

Gay friendly non owner car insurance

Gay friendly non owner car insurance is an excellent policy to chek out when you’re in a unique driving situation. If you don’t really own a car, or if you tend to drive other people’s cars, then it might be a good idea to buy one of this, especially if you have to file an SR-22 form. Even if the car you tend to drive is already insured by the owner, such as a company car, you can take responsibility for yourself by adding on some additional coverage to take care of things if their coverage isn’t high enough, so that you don’t get into financial trouble. If you tend to drive rental cars very often, it’s cheaper to have a non owner policy, rather than buying insurance from the rental company every time.

Still, gay friendly non owner car insurance is limited and somewhat expensive. You are only permitted to purchase liability coverage–as well as no fault coverage, if you live in a no fault state–and the prices for this can be steep considering that the company cannot factor in your vehicle when rating your policy. Nevertheless, there are ways to save on this.

You can keep your coverage worthwhile but low, add your policy in with other insurance policies, keep your grades high and school, take the bus more often, and so on. Call your insurance company to find out about more discounts.