Get Cheap Car Insurance in Massachusetts
Welcome to Western Mass Auto Insurance where we can provide cheap car insurance in Massachusetts. But remember you get what you pay for – so if you get the cheapest you can you are omitting some important parts to the policy.
When you need car insurance in Massachusetts, it’s important to find an insurer that will provide coverage at a price that fits your budget. There are many insurers in the state selling auto insurance, so there is no reason to stick with an insurer just because you’re paying more than you should be. Read through this guide to learn everything you need to know about getting cheap car insurance in MA.
Living in the Springfield, Mass area is a great place to be but the car insurance rates are a bit higher than in other parts of the state. Your rates are determined by the “territory” that you live in. Ludlow, Chicopee, South Hadley are less than Springfield and this is due in most part to the number of vehicles in the territory.
MA Auto Insurance Basics
The state of Massachusetts requires that all vehicles obtain car insurance to operate legally. This is why we provide low down payment car insurance in Springfield, Ma. We offer many different payment options to help accommodate every situation.
Massachusetts has standard requirements for all drivers who wish to carry liability coverage on their vehicles, including bodily injury protection and property damage liability. This means that if another driver causes injuries or damages as a result of being involved in a car accident caused by a said driver, the other driver can file a claim against your policy. In Massachusetts, minimum limits for injury liability are $20,000 per person and $40,000 per accident. Property damage liability is a minimum limit of $5,000.
In addition to these basics, Massachusetts also requires drivers to carry Personal Injury Protection (PIP) coverage, which serves as protection from injuries that may result from an accident caused by the insured driver. In MA, PIP insurance is required with a minimum limit of $8,000 in coverage.
Getting the Best Rates
Here at Western Mass Auto Insurance, we do the best we can for each customer – fitting your situation to the different car insurance companies Springfield, Ma – to find you your best price. Even drivers with high points can get a decent rate thanks to the many different car insurance companies in Springfield, Ma. call us today to get your Commerce Auto Insurance Quote.
Many insurance companies offer discounts for drivers who meet certain criteria. Most standard types of car insurance discounts are offered in Massachusetts. Discounts can include:
- Multiple vehicles: Insurance agencies often give a multi-vehicle discount to insured drivers with more than one vehicle on their policy.
- Good student: Students who maintain at least a 3.0 GPA may qualify for good student discounts from many insurers across MA.
- Claims-free driver: Drivers with clean driving records may be eligible to receive claims-free discounts for being accident-free for three years or longer.
- Accident prevention course completion: Completing an approved accident prevention course can often lead to a discount for drivers.
- Low mileage driving: Drivers who drive very little in comparison to the average insured driver may qualify for low mileage discounts.
This list is not exhaustive of all possible discounts available in MA, but it should provide an idea of several different types of discounts you may receive if you are eligible.
New drivers looking for auto insurance quotes Springfield, Ma are best put with certain companies and more experienced drivers looking for auto insurance quotes Springfield, Ma. are better suited to a different car insurance company – we match your situation to the company that will give you the lowest price and down payment.
Together our employees and managers at Western Mass Auto Insurance have a combined 40+ years of experience selling and servicing auto insurance in Springfield, Ma. We have seen it all before and know how to get you your best price and policy to fit your needs. Please stop by our office or call us for a car insurance quote.
We care about your situation and know that money is tight for most people, this is why we shop your policy around and get your best auto insurance quotes Springfield. We offer friendly, efficient customer service and are here to assist you in any way we can.
We know how important cheap car insurance in Massachusetts is to your budget and we understand this which is why we offer low down payments for most situations. Check us out today and allow us to quote your car insurance.
Additional Ways to Save Money on Car Insurance In Massachusetts
There are many potential discounts available when buying auto insurance in MA, but some may not apply depending on your needs as a driver. However, there are so many available discounts that it may be difficult to qualify for them all.
Bundling Auto & Homeowners Insurance
As with most states, Massachusetts requires drivers to carry both liability coverage and personal injury protection (PIP) in case you or other drivers around you are injured in an accident caused by your negligence. To make this affordable for everyone, insurers allow policyholders to bundle home and auto insurance policies together for discounted rates if they choose to carry the same car and homeowners insurance.
Saving With a Low-mileage Discount
Drivers who drive less than 7500 miles per year could save money on their car insurance premiums if they qualify for low mileage discounts in MA. These are usually offered to drivers that commute to work by means other than driving alone, such as public transit, carpooling, walking, or biking. There may also be another restriction for this discount, but it’s common practice to require residents to have no more than two accidents or moving violations in the last three years when applying for low-mileage discounts. Normally, these credits are deducted from your rate after you make your initial purchase with the company. The amount you can save varies and will typically range anywhere from 5% to 15%.
Insurance Companies that Provide Military Discounts
Some insurance companies offer discounts for drivers with military ties, including free car insurance quotes if you are an active-duty member of the U.S. armed forces or reserves, retired or honorably discharged veteran, and immediate family members of those serving in the military. This will also include spouse and children.
Massachusetts Auto Insurance Common Questions & Answers
Which Cars Are Required To Be Insured in Massachusetts?
Every vehicle on the road has to be insured in the state of Massachusetts. Failure to carry proof of car insurance in Massachusetts can result in a fine between $500 to $5,000 and could results in up to a year in jail.
Why is My Car Insurance so High?
Common causes of over expensive insurance rates include:
- driving record
- credit history
- coverage options
- type of car you drive
- where you live
Anything that insurers can link to an increased likelihood that you will be in an accident and file a claim will result in higher car insurance premiums.
Is Car Insurance Required in Massachusetts?
Yes, car insurance is required in the state of Massachusetts before any driver can even register a vehicle. Drivers are required to maintain at least 4 types of coverage:
- bodily injury to others
- personal injury protection
- bodily injury caused by an uninsured person
- damage to someone else’s property.
In Massachusetts, a driver’s auto insurance policy is required to list all licensed drivers living in their household. Because Massachusetts is a no-fault state, drivers must file any property or injury claims with their own insurance company, regardless of who is at fault in a car accident.
Do I Need Uninsured Motorist Coverage in Massachusetts?
Yes, all drivers in Massachusetts are required to maintain uninsured auto coverage for bodily injury of at least $20,000 per person and $40,000 total per accident.
Uninsured coverage protects you, anyone driving your car and any passengers against a hit-and-run or an accident caused by someone without insurance.
How Long Does a Ticket Stay on Your Record in Mass?
In Massachusetts, you must have a minimum amount of insurance to legally drive. You can compare car insurance companies and the prices they charge before making your final decision. You should strongly consider buying additional coverage such as collision and comprehensive coverage if your car is financed or leased. It’s also important to understand Massachusetts’ personal injury protection (PIP) laws before purchasing PIP coverage from an insurance company.
The content of this article is intended to provide only general information, not legal advice; and readers are advised to seek assistance from a legal professional for any particular situation.
For assistance with your specific situation, please consult directly with one of our agents. For more information visit the Massachusetts Registry of Motor Vehicles.