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Somerville, just two miles northwest of Boston, has a population of over 75,000 residents, many of whom commute out from the city each day. This can cause a lot of traffic problems (if you commute by car) so it’s more important than ever to make sure you are carrying the proper coverage. Commute costs can be expensive too, so make sure you are getting the lowest rate for your policy. Taking a few minutes to compare the options for cheap insurance Somerville offers can help ensure you are always getting the best deal.

We recommend re-shopping your policy at least twice a year. This is because rates change constantly as new crime, traffic, accident, and population data is reviewed by insurance companies. For example, Somerville is one of the most densely populated cities in the nation, which means more drivers and more cars on the road in a smaller geographic area. This can increase accident rates so insurance companies may charge more for liability and collision coverage.

Crime rates have been historically high in Somerville, but there have been huge improvements over the past decade. For example, auto theft rates when from over 500 in 2002 to just 128 in 2012! This helps keep full coverage rates low, and the lower property crime rates help with homeowners and renters insurance prices.

Rates can vary depending on what neighborhood you live in. Residents of Assembly Square or Tufts might pay more for liability than residents of Winter Hill or Union Square (this is just an example, the reverse may actually be true). This is something to consider if you are going to move. Make sure to compare rates for different addresses so you know what to expect.