Top Car Insurance in Massachusetts

Massachusetts is one of the smaller states of the union. It is also known as the bay state and is home to the oldest American university Harvard (1636). In the federal structure, Massachusetts has the onus of framing all laws on auto insurance and related matters. Getting your car insured is mandatory in Massachusetts. This in itself is a good thing as it covers you, the car owner and other drivers from injury and the car for repairs. The rates for insurance are competitive.

When you come to Massachusetts it is best to compare the various rates and discounts if any offered by the car insurance companies. One method is to go in for a basic insurance and look for add-on that you can get with a lower premium.

As a driver in Massachusetts, certain minimum and mandatory amounts are specified. These will have to be followed. The amount fixed for bodily injury is $ 20,000 per person subject to a limit of $ 40,000 for a single accident that may result in death.

Top Insurance Companies in Massachusetts There is also a limitation to damage to property which is $ 5000. In addition $ 8000 for body injury only, as a result of an auto accident is also specified. The important insurance companies active in Massachusetts are:

a) All state

b) Farmers

c) The Hartford

d) AIG.


Earlier car insurance in Massachusetts was a fixed amount, but now the state has allowed the insurance companies to base their premiums on factors like your driving record and how many accidents you are involved in as well as the number of traffic violations annotated on your driving record. The car insurance companies are thus allowed to give credits in their premium quotes in what is known as safe driver insurance plans.

However the important point to be noted is that though the car insurance companies can give a discount they cannot increase the premium. This limitation is over-riding. Hence when taking out a car insurance policy in Massachusetts it is best to get the quotes as well as the discounts being offered under the safe drivers insurance plans. You can get this information from the net. For this purpose it is best to download Microsoft excels worksheet for an easy comparison.

One of the best companies to take out car insurance is GEICO which has 24 hour service. In addition the company will also insure your snowmobile when you want to drive when winter sets in

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