Affordable Car Insurance Auto Insurance in Massachusetts - Compare Rates




When the Commonwealth of Massachusetts introduced managed competition auto insurance reforms in April 2008, many new companies entered the marketplace, allowing more options to consumers and offering better rates for better drivers. Doing away with "fix-and-establish" system the State has now allowed insurance companies to set their own rates (Although they still need approval of the Commissioner of Insurance).


While purchasing your policy, you should consider the different rates, benefits, and services offered by the companies and hence it becomes all the more essential that you understand your State laws regarding auto insurance. This can also help you in reducing your premium amidst competition.

THE BAY STATE drivers need to purchase the following mandatory cover:

Bodily Injury to Others

This will cover your legal liability for the accidental injury or death of others (but not your passengers) caused by you.
>> Minimum amount is $20,000 per person for bodily injury
>> $40,000 per accident for all persons for bodily injury

Personal Injury Protection (PIP)

Being in a no fault state, drivers have to cover their own medical expenses. The personal injury protection policy covers medical expenses as well as expenses from the loss of wages.
>> Minimum up to $8,000 as a protection for medical expenses, replacement services and 75% of any lost wages.

Bodily Injury Caused by Uninsured Auto

This will help you in case you (or your family or passengers) suffer losses in an accident caused by an uninsured or unidentified ("hit and run") driver.
>> A minimum limit of $20,000 per person
>> $40,000 per accident is required.

Property Damage

It pays for damage to another person's property when you or your family or another authorized driver causes an accident.
>> A minimum limit of $5,000 is required.

If you drive without insurance then you can be fined within the range of $500-$5,000 and imprisoned for term of a maximum of one year can be imposed.

The State has few mandatory discounts which include discounts for
>> Safety features
>> Anti-theft devices
>> Senior drivers (who are 65 years or older).

Optional discounts may be offered to members of a group program or persons qualifying for advanced driver-training or if you are safe driver.

When shopping , be sure to find out what types of discounts each company offers, and how much each of those discounts reduce your premium.

Your deductible will be $500 unless you select a higher deductible. While selecting a higher deductible keep in mind that you will have to pay that amount before the insurer comes in the picture.

Get A Free Auto Insurance Quote for Massachusetts Now!

Now, if you are not able to insure yourself in the voluntary market for some reason then the State has The Massachusetts Automobile Insurance Plan (MAIP) for you.

The MAIP is administered by Commonwealth Automobile Reinsurers (CAR) according to rules that are approved by the Division of Insurance. The coverage provided by the Assigned Risk Company (ARC) for up to three years.

An insurance agent can help you apply for coverage through the MAIP. If you have good credit history, you will be offered a payment plan under MAIP.

Merit Rating Plan

Under the new competitive market system, companies are free to create their own rules - known as Merit Rating Plans - to determine how your driving record will affect your premium. These plans lower your premium based on years of accident -free driving, or raise your premium if you were at-fault in accidents.

Safe Driver Insurance Plan (SDIP)

The Safe Driver Insurance Plan (SDIP) has instituted certain classifications and categories of risks. This helps insurers to base their ratings on driving records of insured.

If you are a safe driver then the plan provides you with credits to automobile insurance premiums. On the hand if you are risky driver then it charges you high premium.

So it is advantageous to drive safe in Massachusetts.

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