Cheap Boston car insurance is a bit different than cheap auto insurance in other cities and states. In Massachusetts, the auto insurance companies don't set the insurance policy rates; the rates are actually set by the Massachusetts Division of Insurance each year. Of course, not every driver will pay the same car insurance premiums as his neighbor, but there are actually a few categories of people who will pay the same auto rates as other Boston drivers.

The best way to get cheap Boston car insurance is to make sure you fall into a category with low auto insurance rates in Massachusetts. More specifically, you want to qualify for the lowered premiums the Safe Driver Insurance Plan offers. Even more specifically, you want to be ranked a number lower than 15 on the Safe Driver Insurance Plan's rating system. The numbers are actually called “steps,” and Step 15 is considered neutral. For each step you're given under 15, your Boston auto insurance policy premiums decrease. Boston drivers who have good driving records are the most likely to have steps under 15, which means they are most likely to get cheap Boston car insurance.

Of course, there is a flipside. If you have a poor driving record, you're at risk for having a step (or two or three) above 15. Just as each step below 15 decreases your Boston auto insurance premiums, each step above 15 increases them.

In order to have a step lower than 15 on the Safe Driver Insurance Plan rating system, you must have a good driving record. This means few, if any, points, suspensions, revocations, and at-fault accidents. If your Massachusetts driving record is less than pristine, you may have to wait around for the next time the Division of Insurance sets statewide car insurance rates. While this may mean paying higher premiums now, it also means you could pay cheap Boston car insurance rates next year – as long as you work on that driving record!