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Cheap Car Insurance in Boston, Massachusetts

Looking to learn more about Boston and how you can get cheap car insurance? Well, those who are interested in American history must study Boston. This city is one of the country's oldest as it was founded by Puritans in 1630. Most notably, the Boston Tea Party and the Boston Massacre took place here.

Cheap Car Insurance is here to help you get the best car insurance to fit your needs in Boston. Shop for your auto insurance today!

Driving Conditions in Boston

Driving conditions during the summer months are complicated by the rain, but Boston drivers have rain as well as snow during the winter months. Also during the summer months and springtime are frequent incidences of fog that can make it difficult for drivers to see on the roads. Hurricanes and tropical storms only occur on an occasional basis during the fall months.

Odd Laws in Boston

The state of Massachusetts prohibits the existence of witches and Quakers within its borders. In order to wear a goatee in public, men must obtain a license and pay a fee.

Crime Statistics in Boston

In 2015, authorities reported 1,610 vehicle thefts in Boston, along with 13,147 larcenies and 3,096 burglaries, according to the FBI.

Safety Requirements in Boston

Seatbelt law

In Massachusetts, every vehicle driver and passenger must wear a seat belt (with a few exceptions). Anyone over 16 who’s found not wearing a seat belt can be fined $25. If passengers under 16 aren’t wearing seat belts, the driver can be fined $25 for each of those passengers.

Under Massachusetts law, any child under age 5 and any child weighing 40 pounds or less must ride in a child passenger restraint, such as a booster seat, car seat or infant seat. Also, a child under 8 must be fastened into child passenger restraint, except if the child is at least 57 inches tall.

Helmet Law

Any bicycle operator or passenger under 16 must wear a helmet. Regardless of age, every motorcycle operator or passenger must wear a helmet.

A violation of the bicycle helmet law can lead to a fine of up to $20.

Anyone violating the motorcycle helmet law faces a fine of $35 for the first offense and a fine of $75 to $100 for the second offense. In addition, a violator can be hit with an insurance surcharge that lasts at least six years.

Handheld Law

Massachusetts law prohibits texting while driving. However, it allows talking on a cellphone while driving (unless the driver is under 18).

Violating the texting-while-driving law can result in a $100 fine for a first offense, $250 fine for a second offense and $500 fine for a third offense.

Impaired Driving Law

In Massachusetts, what people in other states know as DUI or DWI is called operating under the influence (OUI), which covers alcohol and drugs. For someone 21 and over, the OUI limit for blood alcohol concentration is 0.08 percent; if you’re under 21, it’s 0.02 percent. 

No minimum jail sentence is required for a first-time OUI offender; for a second-time offender, it’s 30 days, and for a third-time offender, it’s 150 days.

A first-time offender can lose his or her driver’s license for up to one year; for a second-time offender, the maximum is two years, and for a third-time offender it’s eight years. Repeat offenders also are required to install an interlock device in their car. Refusing to take a breath test also may cause you to lose your license in Massachusetts.

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Swapping your high heels for a pair of driving shoes can help you qualify for cheap car insurance by avoiding accidents and getting "safer driver" discounts.

It is easier to get cheap car insurance with a car that has high safety rating than one without one.

When you are looking for cheap car insurance, ask if the insurance company offers a policy where they forgive the first accident.

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