In Boston, auto insurance is not that difficult to get. It can take some time to find the right agent and the right policy, but it is not difficult overall just to get insurance in most cases. If you currently do not have auto insurance but have another type of insurance like homeowner's, call that agent and see if he or she also offers auto insurance -- he or she probably does, and you can sign up for a policy there if you like your agent. Or, you could call other companies and see what they offer. Another option is to go to a broker if you do not have any other insurance through an agent. The broker will help you choose a plan and find an agent who can help you with claims once the policy is in effect -- the broker will not be able to take care of those for you, so you will eventually transfer communication over to an agent. Do pay attention to company ratings to ensure that you get a policy from an insurance company that has more happy customers than unhappy customers. Also find out whether there is a general claims line that you can call should something happen over the weekend, instead of having to wait until Monday.
After we purchased our first home, we realized that it might be a good idea to evaluate our insurance coverage. Although we had purchased homeowners insurance before, we had never owned a policy as large as the one we would need for our new place. Also, our new home had a trampoline and a swimming pool, which made us worried about liability. To iron out the details, I decided to meet with our insurance agent. We talked about things like monthly premiums, coverage limits, and deductibles, and it was incredible to learn more about the terminology. This blog is designed to help you with the same types of questions.