Auto insurance in Massachusetts is mandatory and protects your car from damage as well as affords protection for yourself and other drivers. Thankfully, it does not have to break the bank.
The best bet to save money on purchasing insurance in Massachusetts is to do sufficient research before making any decision. It is a good idea to shop around. Some ways to save on insurance is to only get the coverage that is necessary for your vehicle and needs, as well as considering accepting a higher deductible in exchange for a lower monthly premium.
Following is a comprehensive list of the types of and the minimal requirements according to Massachusetts state law.
As a driver in Massachusetts you must purchase:
(BIL) Bodily Injury Liability coverage that carries a minimum of $20,000 per person and $40,000 per accident that could be associated with injury or death resulting from an accident.
(PIP) Personal Injury Protection coverage of up to $8,000
(PDL) Property Damage Liability coverage with at least $5,000 for property damage that may occur as a result of an accident.
The Internet is a wonderful resource for acquiring online quotes and comparing various companies at once. There is a large selection of insurance companies that offer comparable rates and coverage p;ans and one is able to view them side by side to aid in the decision making
Some of the largest insurance companies in Massachusetts include but are not limited to
The Hartford
State Farm
AIG
Allstate
Farmers
AAA and AARP are also fine resources of affordable insurance in Massachusetts.
Rates will vary greatly from company to company and doing adequate research can result in significant savings.
The following is a limited sample list of some Massachusetts based companies
Estabrook & Chamberlain Insurance
Bridge Insurance Associates
James & Finnegan Insurance Agency
It is important to always do adequate research and to check out the company before deciding to do business with them. It is best to choose a company that is reputable, reliable and responsible.
