Boston is known for being a challenging and congested city to drive in. A combination of constant construction, tight city roads, a dozen universities and colleges puts more and more people on the road. Drivers report commuting upwards of 90 minutes one-way due to heavy traffic.
So it should be little surprise that residents of Boston pay more for car insurance than the national average. Usually not cheap.
The average cost for car insurance is approximately $1060 per year.
Massachusetts Department of Transportation provides free emergency roadside assistance. These services are available Monday through Friday during morning and afternoon commuting hours; with extended hours on the Mass Pike (I-90).
Depending on the age and condition of your car, it may not be necessary to carry the maximum amount of coverage. Talk to a Spanish-speaking insurance agent to see if you are over-insured.
The most common discounts awarded to safe drivers are with plug-in devices that track your driving habits, when you have two or more insurance policies with the same company and when you sign up for automatic payments.
There are other discounts such as being a good student, length of time with the same company and having an upgraded anti-theft device.
While good drivers receive the best insurance rates and the most discounts; high-risk drivers may still insurance coverage as well. You can reach out to an independent insurance agent to receive several free insurance quotes and determine which plan will best fit your coverage needs and budget.
High-risk drivers are classified as those who have had:
Can I get insurance after my license have been suspended?
If you have had your license suspended in the past due to a DUI or other conviction, you can still find car insurance, though it will certainly be more expensive. You can contact a local independent insurance agent who speaks Spanish. He or she has the ability to work with many different companies and can help you find auto insurance after your license has been suspended.
Depending on the type of business, you may be required to carry certain types of Business Insurance. This not only protects your customers, but also you and your business should certain accidents or negative events take place.
Business Liability Insurance will pay compensation for any third party injury or damage to another’s property that you are determined responsible for. It will also provide compensation if one of your products cause injury or damage.
Here are some examples of how Business Liability Insurance can protect you:
You own a small plumbing business and you or one of your employees accidentally breaks a water line in the bathroom or kitchen and the water soaks into the wood or drywall causing damage. Your liability insurance would cover the costs for repairs that you are responsible for.
You own a successful food truck or are trying to start your own catering business, a gust of wind blows the awning off your truck and it crashed into the truck next to you causing damage, or the heating element on one of your catering dishes wasn’t placed correctly and tips over burning the table cloth and table, perhaps a person burned their hand trying to extinguish the flame, your insurance would cover the damaged property as well as the medical claim for the injured person.
You or one of your employees kicks over a box of roof tacks and fails to pick them all up. If the homeowner drives their car over the tacks and damages their tires, your business liability insurance will pay for the damage.
you own your own cleaning business and you accidentally use a harsh chemical on a surface causing damage to the finish. Your business liability insurance will pay for the repairs or replacement, as well as the work needed to replace the item.
Surety Bonds are required any time you bid for a private construction project or a public works project. Even homeowners will want to know that you are licensed and bonded before letting you perform any home addition, repair or remodeling work.
Whether you are a private contractor, electrician, plumber, tile workers, carpenter, the major types of surety bonds are the same: contractor license bonds, bid bonds, contract bonds (or performance bonds), and payment bonds.
Commercial Auto Insurance provides coverage for any vehicle (truck, car and some machinery) used for work purposes, whether you are driving the vehicle or one of your employees. It provides compensation should the work vehicle be at fault for an accident that causes personal injury to another person or damage to another vehicle or property.
Commercial Car Insurance in Boston is important because regular car insurance will not cover any damage if it is determined the vehicle was being used for work purposes.
Home insurance costs are based on a number of factors:
In Boston, the average cost for home insurance is $1280 per year, which is more than the national average.
Even though homeowners can expect to pay more for insurance, it is important that you choose a plan that adequately protects one of the largest investments a person makes in their lifetime. Storms, blizzards, floods and snow can cause quite a bit of damage.
There are many insurance agents who serve the Hispanic communities of Boston and either speak Spanish or can provide translation services so that you can better understand the details of your home insurance plan.
With a strong housing market, the average cost of buying a home in and around Boston is simply more than most young people can afford. As a result, more individuals and young families are renting homes and apartments.
While the home owner or apartment property management company will carry insurance to protect the structure, those policies will not protect your personal belongings should they be damaged due to leaking water pipes, fire or theft.
Renters insurance is generally inexpensive and will cover items like:
Health Insurance in Boston, like other major cities, is oftentimes provided by a place of employment. However, if you are a student, work part-time, are self-employed, a contracted employee or simply work at a job that does not offer benefits, then there are other ways to purchase an individual health plan.
The Healthcare Exchange for Massachusetts offers you the chance to review different plans and prices and in some cases, qualify for financial assistance to cover the costs of insurance.
There are, however, many licensed agents who speak Spanish who can assist you in finding the right plan.
Medicare is a federal health insurance program for individuals and retirees age 65 or older and for people with lifelong and permanent disabilities regardless of age.
There are several parts or options to choose from and a licensed insurance agent in Boston can ensure you understand your options and may even be able to help you save money.
The Bilingual Insurance Agency Directory. Since 2008, Seguro-Insurance.com has helped consumers find affordable insurance rates in their native language.
