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Cheap Car Insurance in Springfield, Massachusetts

Find cheap car insurance in Springfield, the commercial hub of the Connecticut River Valley and the largest city in western New England. Situated on the east bank of the Connecticut River, Springfield is only 24 miles from the capital city of Hartford. The Hartford-Springfield area is known as the Knowledge Corridor, since it hosts more than 160,000 university students attended more than 30 colleges. Springfield's population was estimated at 154,000 in 2016, and the city is headquarters to the American Hockey League, Smith & Wesson and Merriam-Webster, publisher of the original Webster Dictionary.

Driving Conditions in Springfield

Springfield is located at a freight-hauling crossroads, and much of the cargo headed to New York City, Boston or Great Lakes passes through the city at one point. Its interstate corridors include I-90 running east-west just to the north of the city and I-91 running north-south along the river. They are connected by the I-291 spur, which cuts through the city. The average commute time for Springfield is about 21 minutes, shorter than the national average of 26 minutes, according to Census Bureau data. For traffic maps and updates on accidents and construction and to learn about commuting options, visit massdot.state.ma.us.

Unique Laws in Springfield

Massachusetts is one of a handful of states where it is illegal for any vehicle to use hazard lights while moving, according to a list state laws compiled by lifehacker.com. Other states allow it in emergency situations or to indicate a hazard such as heavy rain, while some allow hazard light use at any time.

Since Massachusetts is one of the original 13 colonies, there are plenty of antiquated laws still on the books and many that are just plain odd. For example, Massachusetts laws prevent eating more than three sandwiches at a wake, scaring pigeons, wearing a goatee in public or spitting on the sidewalk. Thankfully, it is illegal for children to buy their own cigarettes.

Springfield Crime Statistics

Springfield's crime rate is down by nearly 50 percent from its height in the 1990s and first decade of the 21st century, when it landed on a number of most dangerous cities lists and gained a bad rap for its crime rates. Property crimes declined by more than 12 percent from 2014 to 2015, the last FBI data available. Even so, Springfield still has one of the highest crime rates for major New England cities. In 2016, the city reported 1,016 car thefts, according to the National Insurance Crime Bureau, or a rate of 160 incidents per 100,000 people. This is lower than the national average of 220 thefts per 100,000 people.

Springfield Safety Requirements

In Massachusetts, children must ride in a safety seat or booster under they are 8 years old or 57 inches tall. Everyone in the car must wear a seat belt, but seat belt laws in Massachusetts are “secondary,” meaning you can't get pulled over and ticketed just for not wearing one. Texting while driving and more recently talking on the phone without a hands-free device is illegal.

Springfield Impaired Driving Laws

Drivers with a blood alcohol concentration of .08 or higher are charged with OUI, or operating under the influence, as it is called in Massachusetts. For minors under 21, that BAC drops to .02. Not that to make an arrest, police don’t need to wait for you to put your car in gear. First offenders get a 180-day license suspension, but there is no minimum jail term required. Ignition interlock devices are required for all drivers who are convicted of a second OUI offense. Regardless of your background or circumstances, it's not impossible to find cheap car insurance in Springfield, Mass.; contact us for rate comparisons.

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Swapping your high heels for a pair of driving shoes can help you qualify for cheap car insurance by avoiding accidents and getting "safer driver" discounts.

It is easier to get cheap car insurance with a car that has high safety rating than one without one.

When you are looking for cheap car insurance, ask if the insurance company offers a policy where they forgive the first accident.

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