Auto Insurance: Here’s What You Need To Know

In Massachusetts, car insurance is required by law if you own and register a car. Auto insurance offers a range of benefits to you. You’ve probably heard the phrase “driving is a privilege, not a right.” That saying couldn’t be more true when it comes to auto insurance in Massachusetts. As of July 1, 2012, auto insurance will be mandatory for all drivers in MA who are on public streets and highways. So what does that mean for you? Well if you plan on driving anywhere in MA after July 1 then auto insurance should be one of your primary concerns! In this article, we will talk about auto insurance requirements and other important information such as car insurance rates and vehicle insurance quotes so that you can make an informed decision before purchasing auto insurance coverage.

MA auto insurance requirements

The auto insurance requirements in MA are pretty straightforward. According to state law, all drivers must purchase $20,000 of bodily injury liability coverage for one person injured in an accident and up to $40,000 for two or more people hurt in the same car accident. Additionally, every policy must include at least $5000 worth of property damage liability coverage. In the event of a car accident, your policy will help pay for damage to the other vehicle or property that you may have been responsible for causing as well as any medical costs if someone else was injured in your accident.

Bear in mind that auto insurance requirements are different depending on who is driving and where they are driving. For instance, drivers with a learner’s permit or junior license must have auto insurance before they can apply for their full-fledged driver’s license even if the vehicle is only being driven on private property such as family-owned land. In addition to auto insurance requirements by MA state law, most car owners will also want to purchase auto insurance coverage for their car or truck in case they are involved in an accident with another vehicle. Whether you’re concerned about your liability limits or getting the best auto insurance quote possible, there are many options available to you!

Auto Insurance Rate Factors

Car insurance rates vary depending on a variety of factors such as your age, driving record, vehicle type, auto insurance company, and address. For instance, if you are a young driver or have had any traffic violations in the past then auto insurers will likely charge you higher car insurance rates than they would for an experienced older driver with a clean driving record. The most important factor that determines car insurance quotes is typically your ZIP code. Most auto insurance companies will establish car insurance rates based on the average auto insurance premiums charged to customers in your area so it’s important that you shop around and compare auto insurance quotes before purchasing coverage for your vehicle.

Vehicle Insurance Quotes

When shopping around for car or truck auto insurance quotes, remember that getting multiple estimates is the best way to ensure that you are getting a fair auto insurance rate. By comparing car insurance quotes from several different auto insurers, you can find out which auto insurer is offering you the most competitive auto insurance rates and coverage options before deciding which company to purchase your car or truck policy with.

What are auto insurance rates?

Auto insurance rates represent the amount you pay for car or truck auto coverage every month. With auto insurance, you will typically have a choice between how much your monthly payment is and what deductibles (the amount of damage that must be paid out-of-pocket before an insurer pays for any covered damages. For example, if your auto insurance policy has a $500 deductible and you are in an accident that causes $650 of damage to the other vehicle then you will pay for all of the repair costs up to $500 out-of-pocket before your auto insurer starts paying on your behalf.

Auto Insurance Discounts

Most auto insurers offer several auto insurance discounts to encourage customers to purchase auto coverage. For instance, car owners who subscribe to a roadside assistance plan or install anti-theft devices in their vehicles may be able to receive auto insurance discounts on their monthly payments. Other auto insurers offer student and senior citizen auto insurance discounts for young drivers and older adults that allow them lower rates than they might otherwise pay for auto coverage.

How can I get car insurance quotes?

To compare auto insurance quotes, simply fill out the quote form on this page and you will be contacted by some of our top-rated MA auto insurers in no time! Whether you want liability only or full coverage car insurance we have what it takes to help protect your auto investment.

Auto Insurance Company Reviews

When shopping for auto insurance, it’s important to do your research on the auto insurer you are considering purchasing car or truck coverage with. You can find out more about many of our top-rated MA auto insurers by reading some of the unbiased reviews available online at websites like Yelp and Consumer Affairs. These auto insurer reviews can help you decide whether a specific auto insurance company is right for your needs or not before purchasing coverage.