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Cheap Massachusetts Auto Insurance

Cheap Massachusetts auto insurance quotes, companies, laws, minimum requirements. We help to find cheap auto insurance in Massachusetts.
auto insurance in Massachusetts

We’ve become a trusted source for those looking for cheap auto insurance in Massachusetts, and with the use of our free quote tool, you may save a lot of money! Are you paying too much for your insurance? We can change that. We all know that car insurance can be an expensive item, but we offer some of the best quotes available – all from companies that are the titans of industry.

Understanding Massachusetts Auto Insurance Law
The state of Massachusetts requires all insurance companies to offer uninsured and underinsured motorist insurance to all their policy holders. Uninsured and underinsured coverage provides protections against drivers who do not carry the mandatory liability auto insurance demanded by the state, something that should be included in your cheap Massachusetts auto insurance policy. Underinsured and uninsured coverage is not mandatory in the state of Massachusetts but it is recommended. If you decide to forego this option, the insurance company is required to provide a signed declaration page stating that you chose not to take the underinsured and uninsured coverage.

All eligible drivers in a household must be covered under a liability auto insurance policy. This includes anyone who may drive your car including individuals living in your home who have their own insurance policies, although this doesn’t play a part in obtaining a cheap auto insurance policy in Massachusetts, as it doesn’t raise premiums. They should be listed as “deferred operators.” If you do not list them as a “customary operator” and they are involved in an accident with your vehicle, the insurance company will not be obligated to pay the claim.

Behavior of Massachusetts Auto Insurance Companies
Massachusetts insurance companies can use your credit history to accept applicants and set insurance rates, and that’s considered some substantial criteria for determining whether or not you’ll receive cheap Massachusetts auto insurance. They may also use your credit score to determine your risk factors however many other factors are used to determine your rates such as the age of the drivers on the policy, the car you drive, your driving record, where you live and your marital status.
Since Massachusetts is a No Fault state, the insurance company is obligated to pay for your injuries even if you are not at fault. For this reason, insurance companies advise policy holders to buy more than the minimum liability auto insurance. Also, the average insurance premium in Massachusetts as of 2006 is approximately $1,042.00 and the state is ranked as the 6th most expensive for insurance premiums in the nation, so hunting for cheap Massachusetts auto insurance is a must for some.

Reducing Your Premiums
There are other things to know about obtaining cheap auto insurance in Massachusetts. One of the methods you can use to reduce the cost of your auto insurance premiums is to purchase more than one type of insurance policy with the same company. You will also get discounts for a clean driving record and possibly for renewing you policy with the same company repeatedly. Making sure you insurance never lapses will sometimes reduce your premiums as well as belonging to a particular professional group such as engineers, teachers, or doctors.
Younger drivers can get discounts for maintaining good grades, and completing a driver safety course approved by the state. Insuring multiple vehicles will also reduce your premiums, making for cheap auto insurance in Massachusetts. Anti-theft devices and safety mechanisms such as airbags and seat belts will contribute to the reduction of your auto insurance premiums. It may also be useful to know which cars are frequently targeted by thieves. The list of the top ten most often stolen cars in the state of Massachusetts are listed below.

1. 2000 Honda Civic
2. 1994 Honda Accord
3. 1991 Toyota Camry
4. 1995 Accura Integra
5. 1999 Jeep Cherokee/Grand Cherokee
6. 2006 Toyota Corolla
7. 1997 Ford Taurus
8. 2000 Dodge Caravan
9. 1997 Ford Explorer
10. 1993 Oldsmobile Cutlass

Trying to find car insurance can be a pretty big pain, but if you have someone in your corner, you’ll find it to be a lot easier. We can help anyone who’s looking for something a bit better – all thanks to our free quote tool. If you’re looking for something spectacular, you may find it here on our site!

Useful links:
Massachusetts Division of Motor Vehicles
Massachusetts Division of Insurance
Massachusetts Department of Revenue

Massachusetts minimum requirements
Bodily Injury Liability Per Person: $20,000.00 Limit
Bodily Injury Liability Per Accident: $40,000.00 Limit
Property Damage Liability Per Accident: $5,000.00 Limit
Personal Injury Protection (PIP): $8,000.00 Limit

Massachusetts auto insurance requirements and laws >>

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