Massachusetts Auto Insurance

Are you looking for a Massachusetts auto insurance policy?  Shopping for MA car insurance may not be fun, but it can be easy and hassle free.

Don’t spend hours and hours of your time shopping for car insurance quotes when all you really need is a few minutes. Our free MA car insurance quote tool lets you compare multiple quotes from top Massachusetts car insurance companies in just minutes!

Get your free quotes now by putting your zip code in at the top of the page!

Saving Money on Your Massachusetts Car Insurance Policy

Did you know that in 2005 Massachusetts was the 6th highest state for car insurance premiums? Living in MA may make it a little harder for you to find an affordable car insurance policy. However, there are some things you can do to make your Massachusetts car insurance policy less expensive.

1. Look For Discounts

First, you should look for an auto insurance company that can offer you discounts on your policy. Some common discounts that are offered by auto insurance companies include the following:

• Good Student Discount
• Safe Driver Discount
• Military Discount
• Senior Driver Discount
• Safe Car Discount
• Low Mileage Discount
• Economy Car Discount

Check with you insurance company to see if they offer any discounts that apply to you. Or shop around to see what other company discounts are available to save you money on your policy!

2. Raise Your Deductible

Another way to save money on your policy is to raise your deductible. A higher deductible will mean a lower premium, which will save you money. However, you will have to pay the deductible in the event of an accident, so make sure you can afford it if necessary.

3. Eliminate Unnecessary Coverage From Your Policy

One way to save money on your policy is to know what you are paying for and eliminate any unnecessary coverage that may be costing you a lot of money. Before you can do this however, you will need to know what the Massachusetts state minimum requirements are.

The MA state minimum requirements are as follows:

• $20,000 Bodily Injury Liability per person
• $40,000 Bodily Injury Liability per accident
• $5,000 Property Damage Liability
• $8,000 Personal Injury Protection

These are just the minimum requirements for Massachusetts drivers. Here are some other coverage options available to you that you may or may not need, but that you may be paying for.

• Uninsured/Underinsured Motorists Coverage: This will cover you in the event of an accident where an uninsured driver is at fault.
• Comprehensive Coverage: This will cover damages to your car that are not accident related, such as fire, theft or vandalism. While this is not required by state law, it may be required by your lender if your car is being financed.
• Collision Coverage: This covers the damages to your car when you are in an accident. Like comprehensive coverage, it is not required by law, but will most likely be covered by your lender if the car is financed. If your car is not being financed and it is an older car, you may want to consider dropping this coverage and saving yourself some money (The coverage available is most often limited to the current cash value of the car, so for an older car you may be paying more for the insurance then your car is even worth).

Lowering Your MA Car Insurance Rates

Everyone would like to lower their car insurance rates, no matter how much they are currently paying. This may seem like a task that is out of your control, but there are a few factors affecting your car insurance rate that you can control.

Insurance companies look at many different variables when determining your rates. Here are the main factors that they will consider.

• Age
• Gender
• Claims History
• Driving Offenses
• Location
• Vehicle
• Credit Score

While many of these things are out of your control, there are some things you can do to get a lower car insurance rate.

• Raise Your Credit Score: While there are no short term solutions to raise your credit score, there are some things you can do for the long run. Pay your bills on time, don’t open unnecessary lines of credit and try to pay off a good portion of your debt and you could end up lowering your car insurance rates while raising your credit score!
• Drive Safely: While you can’t change your driving record, you can work on not getting any more tickets in the future. Drive safely and avoid being pulled over and you could save money on your car insurance policy.
• Make Wise Car Choices: You may not be in the market for a new car right now, but eventually you may want to replace the car you are currently driving. Don’t just look at the sticker price when shopping for a new car. Also consider what that particular car will wind up costing you in insurance. Cars that are more likely to be stolen and cars that are more expensive to repair will cost more to insure.

Compare Multiple MA Car Insurance Rate Quotes To Save You Money Today!

The best way to make sure you are paying the lowest car insurance rates available to you is to compare quotes from multiple MA car insurance companies side by side.

Our free MA car insurance quote finder located at the top of the page makes shopping for car insurance quick and easy. All you have to do to get started is type in your zip code.

Start shopping for your MA car insurance policy and start saving money today!