Is Arbella the Cheapest Auto Insurance?
The price of an auto insurance policy is measured by the cost of its premiums. Many factors affect the price, including the driver's record (particularly DUIs), at-fault accidents and speeding tickets. The type of coverage also matters significantly. Arbella does not offer the cheapest car insurance.
When it comes to insurance, getting a great deal can mean a lot of savings. Therefore, it is in your best interest to find the cheapest policy you can, especially auto insurance.
Arbella Insurance mostly operates in Massachusetts and Connecticut. In these states, insurance can vary depending on location, company, driver and many other factors.
Auto insurance rates in the state of Massachusetts for a minimum coverage policy will cost an average of $60 a month or $721 a year. It offers a good baseline to compare insurance car insurance policies from various providers.
It is the best way to know who offers the cheapest auto insurance in Massachusetts.
Minimum Coverage Policy Auto Insurance
The cheapest auto insurance company for the minimum coverage policy in Massachusetts was Hanover Insurance. The policy costs about $389 per year, and the rate was about 46% less than the state average.
Arbella's minimum coverage auto insurance policy costs $720 per year, which is the average rate in the state. Compared to eight of the foremost insurance companies in the state, Arbella ranked fifth as it pertains to offering the cheapest auto insurance policy.
The minimum coverage policy in this regard is liability only insurance. It only covers injuries and damages to other drivers for which you are at fault. In the state of Massachusetts, a minimum policy will only cover $5,000 in property damages.
A comprehensive and collision coverage policy will cover the cost of damage to your own car as well as that to other property.
On the other hand, a full coverage policy will consist of both liability insurance and comprehensive and collision coverage.
Full Coverage Policy Auto Insurance
Many drivers will opt for minimum coverage, but there will be others who will want full coverage. The average cost for full coverage auto insurance in Massachusetts is $180 per month and $2158 per year.
However, if you are willing to search for better deals, you can find full coverage policies for less than that. The cheapest full coverage policy in Massachusetts is offered by Safety Insurance and costs $1049 per year and only $87 per month.
The cost of a full coverage auto insurance policy by Arbella costs $2142 per year, which is only slightly below the state average.
Cheapest Car Insurance for Drivers With Prior Accidents
The cost of auto insurance increases with an increase in accident involvement. Therefore, drivers with prior accidents are bound to pay more than those without.
A driver with a DUI on their record will pay more for auto insurance than one with, say, a single speeding ticket. To find the cheapest car insurance for drivers with prior accidents, it helps to see which is the cheapest policy for drivers involved in one at-fault accident, received a speeding ticket, and a citation for a DUI.
The company with the cheapest full coverage car insurance policy for those drivers with an accident is Geico. The price for such a policy is $2044 per year. Arbella charges $3458 for the same full coverage policy, which is way more expensive.
Geico also had the cheapest car insurance policy for drivers with a speeding ticket. The cost was $1538 per year or $128 per month — almost half the state average.
DUIs increase the cost of auto insurance more than any other factor. Premiums increase by 70% on average after a DUI incident. Progressive Insurance offers the cheapest full coverage car insurance policies for those with DUI infractions at $1960 a year or $163 per month.
Therefore, Arbella does not offer the cheapest auto insurance. If you would like to contact the company and find out their prices, contact customer service.
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