Where can I find Massachusetts auto insurance quotes?
asked Feb 17 '12 at 03:04
The Internet provides a wide range of auto insurance market places where you can find automobile policy quotes in any state with just a click of the mouse. Massachusetts is not an exception but bear in mind that it has specific auto insurance state regulations that you need to comply with. Alternatively, you can contact a Massachusetts licensed independent insurance agent who will save you the time and hassle involved in shopping around.
Up to April 2008, Mass automobile insurance rates were determined by the state and pooled according to the performance of the drivers in the state as a whole. Ever since insurance competition was allowed by the state, however, companies have started offering quotes based on the individual motorist's behavior on the road and other criteria, such as age, driving record, make and model of car, type of security system, etc. The positive consequence of this change is that Mass drivers can now take advantage of auto insurance discounts, such as good driver discount, low mileage discount, multi-car discount, etc.
What to Consider when Looking for a Mass Auto Insurance Quote
Drivers in the state of Massachusetts are required to have personal injury protection (PIP) coverage of at least $8,000 per person. Being a no-fault state, Massachusetts does not allow you to sue at-fault motorists for damages if your coverage covers the expenses.
Massachusetts also has mandatory bodily injury liability coverage of minimum $20,000 per person and up to $40,000 per accident, and physical damage coverage of at least $5,000.
In addition to the obligatory standard liability coverage, Mass auto insurance regulations require drivers to own uninsured motorist bodily injury coverage of minimum $20,000 per person and up to $40,000 per accident. Optional types of auto insurance coverages are offered in Massachusetts, such as collision, other-than-collision and medical coverage.
This answer is marked "community wiki".
answered Feb 17 '12 at 03:04