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Best Local Car Insurance Agencies in Somerville

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Baldwin Welsh & Parker Insurance Agencies, Inc. logo
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Baldwin Welsh & Parker Insurance Agencies, Inc.

57 Putnam Street, Winthrop, MA 02152
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  • Multiple Carriers

Business Description

Baldwin Welsh & Parker Insurance Agencies, Inc., is a family-oriented multi-line agency with several locations near Somerville. It provides auto insurance policies that can cover bodily injury liability, property damage liability, legal expenses, collision, medical payments, and underinsured/uninsured motorist coverage. Reduction of premiums can be given to bundled policies, drivers with advanced training credits, hybrid vehicle owners, and students with good grades. The company traces its roots back to 1865 and has since been treating its clients with care and personalized services.

Professionalism:

We hire mystery shoppers to call our providers anonymously and evaluate them. Providers who respond quickly, answer questions thoroughly, and communicate politely score higher.
5.0
Responsiveness
Friendliness
Helpfulness
Detail
Bates Insurance Agency, Inc. logo
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Bates Insurance Agency, Inc.

92 High Street, Medford, MA 02155
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  • Multiple Carriers

Business Description

Bates Insurance Agency, Inc. has been answering the insurance needs of Somerville and all of Middlesex County since 1976. Family-owned and operated, it has a team of experienced insurance professionals who can provide vehicle owners with the expertise and guidance in obtaining ample protection via car insurance. Working with multiple carriers, they source a selection of policies that won’t just meet the state’s minimum requirement, but also give additional protection. Bates Insurance Agency, Inc. also insures various watercraft, classic cars, motorcycles, and RVs.

Reputation:

We scour the internet for reviews from well-known resources. Each provider is evaluated based on the quality and quantity of their reviews, their presence on multiple review sites, and their average minimum rating.
4.8
Google
4.9 / 5 (33)
Facebook
5.0 / 5 (13)
Yelp
3.5 / 5 (3)

Professionalism:

We hire mystery shoppers to call our providers anonymously and evaluate them. Providers who respond quickly, answer questions thoroughly, and communicate politely score higher.
5.0
Responsiveness
Friendliness
Helpfulness
Detail
Encharter Insurance - Lexington logo
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Encharter Insurance - Lexington

1646 Massachusetts Avenue, Lexington, MA 02420
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  • Multiple Carriers
  • Motorcyle & ATV

Business Description

Serving the residents of Somerville with all types of personal and business insurance, Encharter Insurance is an independent agency in Massachusetts. With access to multiple providers, the company offers insurance policies to clients that will fit their specific needs. Its agents provide insurance for condos, homes, renters, and vehicles such as autos, motorcycles, and boats. Clients can also add optional services such as specialty insurance. Encharter Insurance has over a hundred years of combined experience in the insurance industry.

Reputation:

We scour the internet for reviews from well-known resources. Each provider is evaluated based on the quality and quantity of their reviews, their presence on multiple review sites, and their average minimum rating.
4.5
Google
4.8 / 5 (27)
Yelp
2.5 / 5 (6)

Professionalism:

We hire mystery shoppers to call our providers anonymously and evaluate them. Providers who respond quickly, answer questions thoroughly, and communicate politely score higher.
5.0
Responsiveness
Friendliness
Helpfulness
Detail
Lister Insurance Agency Inc. logo
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Lister Insurance Agency Inc.

963 Eastern Avenue, Malden, MA 02148
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  • Motorcyle & ATV
  • Multiple Carriers

Business Description

Lister Insurance Agency Inc. is a locally owned business backed with 30 years of insurance experience. The business offers comprehensive auto insurance coverages to Somerville clients. Its agents help protect drivers, their families, and vehicles from financial responsibilities if they experience car accidents. Medical payments are also covered if policyholders were injured in an accident involving their vehicles. The company's president, Betsy E. Lister, has been fighting for motorcycle insurance fairness for years.

Reputation:

We scour the internet for reviews from well-known resources. Each provider is evaluated based on the quality and quantity of their reviews, their presence on multiple review sites, and their average minimum rating.
4.5
Facebook
4.6 / 5 (11)
Google
4.4 / 5 (10)

Professionalism:

We hire mystery shoppers to call our providers anonymously and evaluate them. Providers who respond quickly, answer questions thoroughly, and communicate politely score higher.
5.0
Responsiveness
Friendliness
Helpfulness
Detail
Lonergan Insurance Agency logo
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Lonergan Insurance Agency

74 High Street, Medford, MA 02155
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  • Multiple Carriers

Business Description

Lonergan Insurance Agency, which has been operating since 1918, is now under the supervision of its third-generation owner. The business provides personalized auto coverages that cover liabilities and medical bills for clients in Somerville. Its agents also can assist with umbrella insurance applications for clients who have reached the limit of their auto policies. Lonergan Insurance Agency has been recognized as the best insurance agency by Market Surveys of America for two years. The owners are also members of various non-profit organizations such as Tri-City Homeless and Community Family.

Reputation:

We scour the internet for reviews from well-known resources. Each provider is evaluated based on the quality and quantity of their reviews, their presence on multiple review sites, and their average minimum rating.
5.0
Facebook
5.0 / 5 (10)
Google
5.0 / 5 (1)

Professionalism:

We hire mystery shoppers to call our providers anonymously and evaluate them. Providers who respond quickly, answer questions thoroughly, and communicate politely score higher.
4.0
Responsiveness
Friendliness
Helpfulness
Detail
––
LoPriore Insurance Agency, Inc. logo
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LoPriore Insurance Agency, Inc.

426 Main Street, Stoneham, MA 02180
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  • Multiple Carriers

Business Description

LoPriore Insurance Agency, Inc. is a local business offering auto insurance products to its clients in Somerville and the surrounding communities. The service provider has agents who assess each customer's needs and lifestyles. Its team gives financial advice and searches for insurance solutions that match the clients' situation. They can also accommodate insurance concerns 24/7. Furthermore, the company offers auto insurance plans such as comprehensive, liability, and collision. LoPriore Insurance Agency, Inc. has been providing insurance assistance since 1995.

Reputation:

We scour the internet for reviews from well-known resources. Each provider is evaluated based on the quality and quantity of their reviews, their presence on multiple review sites, and their average minimum rating.
5.0
Facebook
5.0 / 5 (14)
Yelp
5.0 / 5 (6)

Professionalism:

We hire mystery shoppers to call our providers anonymously and evaluate them. Providers who respond quickly, answer questions thoroughly, and communicate politely score higher.
5.0
Responsiveness
Friendliness
Helpfulness
Detail
Metro Boston Insurance Agency logo
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Metro Boston Insurance Agency

300 Eastern Avenue, Chelsea, MA 02150
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  • Boats

Business Description

Metro Boston Insurance Agency is an independent insurance agency that has been helping families and businesses in Somerville since 1989. The firm's seasoned agents can help clients choose the right auto coverage that can protect them against financial loss due to damages and liabilities in the event of an accident. They find the right coverage from multiple auto insurance carriers and help clients select the one that best fits their needs. It also has 24-hour claim services for emergency purposes.

Reputation:

We scour the internet for reviews from well-known resources. Each provider is evaluated based on the quality and quantity of their reviews, their presence on multiple review sites, and their average minimum rating.
3.9
Google
3.9 / 5 (60)

Professionalism:

We hire mystery shoppers to call our providers anonymously and evaluate them. Providers who respond quickly, answer questions thoroughly, and communicate politely score higher.
5.0
Responsiveness
Friendliness
Helpfulness
Detail
Paul T. Murphy Insurance Agency logo
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Paul T. Murphy Insurance Agency

628 Broadway, Malden, MA 02148
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  • Multiple Carriers

Business Description

Paul T. Murphy Insurance Agency is an auto insurance provider serving Somerville and nearby locations. It is a full-service agency established in 1988. It has bodily injury coverage to pay for physical harm resulting in injuries or fatality. It also prevents financial losses with uninsured coverage. Clients who accidentally hit someone's mailbox, tree, or fencing are covered with property damage. It also features comprehensive and collision coverage, which is often required in owning a vehicle.

Reputation:

We scour the internet for reviews from well-known resources. Each provider is evaluated based on the quality and quantity of their reviews, their presence on multiple review sites, and their average minimum rating.
4.9
Google
4.8 / 5 (102)
Facebook
4.9 / 5 (29)

Professionalism:

We hire mystery shoppers to call our providers anonymously and evaluate them. Providers who respond quickly, answer questions thoroughly, and communicate politely score higher.
5.0
Responsiveness
Friendliness
Helpfulness
Detail
Philbin Insurance Group logo
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Philbin Insurance Group

220 Broadway, Lynnfield, MA 01940
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  • Multiple Carriers
  • Boats

Business Description

Philbin Insurance Group is an independent and full-service insurance agency that caters to the insurance needs of individuals, families, and businesses in Somerville and neighboring areas. It offers a broad range of auto insurance policies, which include property damage liability, bodily injury liability, collision, comprehensive coverage, and personal injury protection. The agency also provides rental reimbursement coverage, towing and labor coverage, and commercial auto insurance. Philbin Insurance Group was established in 1989 by Andrew Philbin, who has more than 20 years of experience working with Allstate.

Reputation:

We scour the internet for reviews from well-known resources. Each provider is evaluated based on the quality and quantity of their reviews, their presence on multiple review sites, and their average minimum rating.
4.2
Facebook
5.0 / 5 (9)

Professionalism:

We hire mystery shoppers to call our providers anonymously and evaluate them. Providers who respond quickly, answer questions thoroughly, and communicate politely score higher.
5.0
Responsiveness
Friendliness
Helpfulness
Detail
Plymouth Rock Assurance logo
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Plymouth Rock Assurance

31 Pearl St Charlestown, MA 02129, Boston, MA MA
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  • Bundling Option

Business Description

Plymouth Rock Assurance is a firm that serves individuals, families, and businesses in Somerville and all of Massachusetts, offering products like auto insurance. Its agents work with several reputable insurance carriers and tailor a selection of insurance plans that will meet drivers’ various needs, expectations, and preferences. They can also bundle auto and home insurance policies together. In addition to standard cars, the agency insures motorcycles, classic cars, RVs, and boats.

Reputation:

We scour the internet for reviews from well-known resources. Each provider is evaluated based on the quality and quantity of their reviews, their presence on multiple review sites, and their average minimum rating.
3.8
Google
4.5 / 5 (182)
Facebook
4.5 / 5 (57)

Professionalism:

We hire mystery shoppers to call our providers anonymously and evaluate them. Providers who respond quickly, answer questions thoroughly, and communicate politely score higher.
5.0
Responsiveness
Friendliness
Helpfulness
Detail
Pompeo & Sons Insurance Agency, Inc. logo
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Pompeo & Sons Insurance Agency, Inc.

464 High St Medford, MA 02155, Medford, MA 2155
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  • Bundling Option

Business Description

Pompeo & Sons Insurance Agency, Inc., is a Medford-based car insurance agency that serves clients in Somerville and the surrounding areas. Since 1988, the firm's brokers have been providing personal assistance to individuals who wish to insure their automobiles. They offer professional advice on claims, coverage, registry, and other related matters. The company's insurance agents answer calls and emails about auto quotes and ensure that these quotes are accurate and reliable. Pompeo & Sons Insurance Agency, Inc., also offers business quotes.

Reputation:

We scour the internet for reviews from well-known resources. Each provider is evaluated based on the quality and quantity of their reviews, their presence on multiple review sites, and their average minimum rating.
5.0
Facebook
5.0 / 5 (8)

Professionalism:

We hire mystery shoppers to call our providers anonymously and evaluate them. Providers who respond quickly, answer questions thoroughly, and communicate politely score higher.
5.0
Responsiveness
Friendliness
Helpfulness
Detail
salemfive.com logo
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salemfive.com

443 Main Street, Woburn, MA 01801
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  • Multiple Carriers
  • RV & Motorhome

Business Description

Established in 1855 as a modest bank, Salem Five is a mutually owned and full-service financial institution that provides financial and insurance services in Somerville. Some of the insurance products they offer include auto, homeowners, renters, and motorcycle coverage. Their auto insurance covers collision, liability, rental, and comprehensive. Salem Five employs top professionals in various services in order to provide expert service to their clients. Being an FDIC-insured mutual bank with no shareholders, the bank is only accountable to its employees and customers.

Reputation:

We scour the internet for reviews from well-known resources. Each provider is evaluated based on the quality and quantity of their reviews, their presence on multiple review sites, and their average minimum rating.
5.0
Google
5.0 / 5 (93)

Professionalism:

We hire mystery shoppers to call our providers anonymously and evaluate them. Providers who respond quickly, answer questions thoroughly, and communicate politely score higher.
5.0
Responsiveness
Friendliness
Helpfulness
Detail
Saltmarsh Insurance Agency logo
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Saltmarsh Insurance Agency

751 Main Street, Winchester, MA 01890
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  • RV & Motorhome

Business Description

Saltmarsh Insurance Agency has been providing insurance services in Somerville and nearby areas for over 60 years. As an independent insurance agency, it partners with different companies to provide more options for clients. Its team offers home, auto, life, and commercial insurance. Saltmarsh Insurance Agency's founder, Sherman W. "Whip" Saltmarsh, has a 43-year career in public service. He served as a state representative in the Massachusetts House of Representatives for 14 years.

Reputation:

We scour the internet for reviews from well-known resources. Each provider is evaluated based on the quality and quantity of their reviews, their presence on multiple review sites, and their average minimum rating.
4.9
Google
4.9 / 5 (9)
Facebook
5.0 / 5 (4)
yarjaninsurance.com logo
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yarjaninsurance.com

271 Main Street, Stoneham, MA 02180
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  • Bundling Option

Business Description

With over 25 years of experience in the insurance industry, Rad J. Yarjan founded Yarjan Insurance Agency, Inc., in 1990. Serving Somerville and the nearby communities, the company provides insurance plans for private automobiles. Additionally, plumbers, electricians, painters, custodians, and other tradesmen can acquire specialized insurance from the company. Firms that need assistance with their employees' liability and workers' compensation can avail of Yarjan Insurance Agency's coverage for business insurance as well.

Reputation:

We scour the internet for reviews from well-known resources. Each provider is evaluated based on the quality and quantity of their reviews, their presence on multiple review sites, and their average minimum rating.
5.0
Facebook
5.0 / 5 (3)

Professionalism:

We hire mystery shoppers to call our providers anonymously and evaluate them. Providers who respond quickly, answer questions thoroughly, and communicate politely score higher.
4.0
Responsiveness
Friendliness
Helpfulness
Detail
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Frequently Asked Questions

Introduction

A way to stay protected while on the road, car insurance offers a financial safety net should accidents occur, regardless of who's at fault. The right car insurance agency can be very valuable, providing a way to purchase an ideal level of auto insurance coverage for personal circumstances. Agencies can help customers select the most beneficial coverage options while saving money on their insurance plan. With help from a qualified agency, it's possible to feel safe and secure behind the wheel.

What is car insurance?

Car insurance is a form of insurance that can cover damages to cars, drivers, passengers, and other property when an accident occurs. If another car crashes into a driver, or if a driver causes an accident, car insurance will pay most or all of the cost of repairs.

How does car insurance work?

Car insurance functions in a way similar to other insurance policies. In exchange for a monthly premium payment, an insurance company assumes liability should an accident occur up to the coverage levels specified in a prearranged policy. This means if an accident occurs, the driver won't have to pay the full cost of repairs out of pocket.

What does car insurance cover?

Car insurance coverage can vary from one plan to another. It typically includes coverage for damages to a vehicle from accidents, medical expenses for people injured in accidents, and related costs after accidents with uninsured drivers. Some policies may cover additional perks, such as roadside assistance or a rental car during post-accident repairs.

Does car insurance cover theft?

Comprehensive car insurance generally includes theft protection. This means if a car is stolen and isn't recovered, the insurance agency will pay for the value of the car. However, comprehensive insurance that covers theft is optional coverage.

How does a car insurance deductible work?

A deductible is an amount that must be paid out of pocket before insurance coverage is applied. If a driver with a $1,000 deductible gets in an accident that causes $10,000 in damage, the driver must pay $1,000 and the insurance company pays the remaining $9,000. Deductibles amounts vary between coverage types.

Do you need insurance to register a car?

Yes, drivers need a valid car insurance policy to register a vehicle in most U.S. states. Car insurance is a legal obligation, and the DMV may suspend registration if insurance isn't maintained. Some banks and other lenders may also require a certain level of insurance before funding an auto loan.

Can you get car insurance without a license?

In most states in the United States, a license isn't required to purchase car insurance. This means that an unlicensed driver can purchase a policy for a licensed driver. However, most insurance companies won't allow an unlicensed driver to be listed on a policy, either as a primary or a secondary driver.

Do you need car insurance?

Yes. Car insurance isn't optional, and neglecting to purchase and maintain a minimum level of coverage can result in penalties, such as the suspension of your vehicle registration or driver's license. In addition, the cost of a car accident can add up to tens of thousands of dollars, which can be an unsustainable burden without insurance.

How much is car insurance a month?

Car insurance costs depend on factors such as where a person lives and their driving history. Drivers living in states with high insurance rates who've had accidents will pay more than drivers with clean records living in lower-cost states. In general, monthly car insurance costs can range from $50 to $500 or more.

Why is my car insurance so high?

Car insurance can be expensive for many reasons. Unsafe or expensive cars, a history of accidents, DUIs, and having multiple cars and drivers on a policy can all lead to higher monthly costs. Driver age may also play a role. For example, teens are more expensive to insure than adults.

How can I get lower car insurance?

Getting lower-cost car insurance may be possible depending on your personal circumstances. To find a cheaper policy, drivers are encouraged to get prices from multiple companies, bundle car insurance with home insurance, or use monitoring devices to demonstrate safe driving.

Do you need insurance to rent a car?

In most areas, car insurance isn't required to rent a car. However, most personal car insurance policies extend to rental vehicles. For those who don't have insurance coverage and want to stay protected, most car rental agencies offer supplemental insurance coverage for an added fee.

Does my car insurance cover rental cars?

Most car insurance policies do cover rental cars. However, this coverage isn't universal. Before renting a car, it's recommended that you check your policy details or speak to your insurance agent to be sure rental car coverage is included at an appropriate level.

Can I insure a car not in my name?

In most states, it's possible to insure a car that isn't registered in the name of the policyholder. This commonly occurs when a parent purchases and insures a car for an adult child. However, many states and insurance agencies require the policyholder to have a financial stake in the vehicle they're insuring.

Can you cancel car insurance at any time?

In general, it's possible to cancel car insurance at any time, provided proper notice is given. Notice requirements are outlined in policy documents. Unlike health insurance that can require personal circumstance changes or a specialized enrollment period, auto insurance policies can be canceled or adjusted at any time.

How can I change car insurance?

Changing car insurance is as easy as notifying your current car insurance company and purchasing a new policy from a different agency. Even policies that have been paid up front can be canceled, and companies will issue a refund for any time remaining on the policy term.

How do you become a car insurance agent?

In most states, working as a car insurance agent requires having a state license for selling insurance products. Generally, this process involves taking classes and earning a passing score on a licensing exam. Some agencies may allow individuals to shadow or assist current agents while working on their licensing requirements.

How do car insurance agents get paid?

Most car insurance agents are paid on a commission basis. This means they receive a percentage of the amount their clients pay for their insurance coverage. Some agents may also earn a flat salary. Commissions range from 5% to 20%, on average, but this can vary based on the company or policy type.

How much do car insurance agents make?

Car insurance agent earnings depend on commission percentages, any base salary in addition to commission, sales proficiency, and sales experience. According to the Bureau of Labor Statistics, the average insurance sales agent makes around $52,000 per year. This may vary from state to state and company to company.

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