High Risk Drivers in Massachusetts

Save Money on Insurance

Your Car Insurance Rates are High

This category of driver represents a fairly large portion of the drivers out there. With so many cars on the roads these days and with so many high-risk drivers – it is getting easier and easier to hit another car. Look at Springfield, there are over 160,000 cars in the city – the more cars the better chance you may “bump” into one.

Massachusetts works on a “point system”. Each time you have an incident you can get points That is how Car Insurance in Springfield Ma works.

Moving Violations

Your first moving violation (like a speeding ticket or no inspection sticker) you do not get points for it – but it is listed on your record.

It is your next moving violation that you will get points for – 2 points. And each point accounts for about 15% more on your car insurance 0- for 3at least 3 years! Not a good situation.


If you were to get into an accident? If the insurance company pays out under $2000 you will receive 3 points. If it pays out over $2000 you will receive 4 points. And these points can stay on your record for up to 6 years.

Insurance companies look at these drivers as “high-risk drivers” – and they will charge you a premium for your additional risk.

Here at Western Mass Auto Insurance, we specialize in this type of driver and have several options to get you the best price available given your situation. Plus depending on the coverage you need – it is possible to adjust your coverage a bit to lower your price.

I know times are tough out there so we will do all we can to get you the best price available with the lowest down payment even if you do fall into the category of a high-risk driver.

Please call us in our office for a free, no-obligation quote – and hopefully, we can help you!

Good Luck!

Indian Orchard (413) 543-3800 – Forest Park (413) 781-3800