GEICO has its (English?) gecko. Allstate a masochistic stuntman. Progressive’s Flo sassily promises big savings from an oddly sterile-looking environment.

What the ads have in common—aside from trying way too hard to be clever—are promises of superior coverage, lower prices, or both. Can you get better service or coverage by switching? Maybe. Can you get a lower price? Probably!

Our examination of prices charged by the largest auto insurers in Massachusetts found that most area drivers will save $500 or more a year by making a better auto insurance choice. Many will save $1,000 or more. And you don’t have to forsake service for a better rate: Our ratings reveal low-priced highly rated companies.

Use our auto insurance comparison tool to see how the companies stack up for price for drivers like you. We have collected annual premiums charged by the largest insurers in the Boston area for four family profiles. Details on our illustrative policyholders and the coverage we requested are described beneath our ratings tables.

We collected these rates from the Massachusetts Office of Consumer Affairs & Business Regulation’s excellent auto insurance premium comparisons website. You can access the state’s comparisons, which include sample premiums for several more coverage amounts and locations than we report on, by visiting www.mass.gov/ocabr/insurance. Rates used in our comparisons were those reported on the state’s website in March 2016.

Using our auto insurance comparison tool you'll see that we found dramatic company-to-company rate differences for all of the profiles and locations we looked at—several hundred dollars a year in every case, and thousands of dollars in several cases. Companies that most often charged the lowest premiums in the Boston area were Citizens, GEICO, Travelers, and USAA, but other companies charged low rates for specific policyholder profiles.

It’s unlikely that the rates we report will apply exactly to you and your family. You don’t live at the addresses we used, drive different cars, probably have a different driving record and loss history, and differ in other important ways. But the rates we collected provide a good starting point for your own shopping by identifying companies that consistently offer low prices.

You can shop by using companies’ websites (most provide online rate quotes) or by calling the companies directly. Some companies sell only through agents.

When contacting agents, you may have to push hard to obtain reliable information. We often find that many insurance agents are unable to provide accurate price quotes and that some can’t correctly answer even the most basic questions about coverages, especially when we shop them for homeowners insurance rates. For auto insurance, we find that most agents can quote accurate rates, but problems still exist. Some agents quote wildly inaccurate rates, while others persistently push more coverage than requested.

Before shopping, make a list of the coverages you plan to purchase. Our article "How Much Auto Insurance Coverage Do You Need" provides advice on which coverages to buy, how much to buy, and what to skip.

Be wary of rate comparison websites such as TheZebra.com, NetQuote.com, Insurance.com, and others. Because these sites provide rates from only companies from which they receive commissions or fees, the lowest-priced companies often aren’t included in search results.