Here’s a startling fact: there are more claims for bodily injury and property damage filed by Massachusetts drivers than just about any other state in the U.S. That’s according to the state’s Office of Consumer Affairs & Business Regulation.
Because of this, car insurance quotes in Massachusetts are some of the highest in the nation. And it’s only getting worse. That’s what makes finding the right company with the best rates so important.
But that is where most auto insurance buyers fall short.
Too many people believe that trying to find the one company with the best rates requires a long, tedious search. So they take shortcuts that don’t produce the desired results.
But we’ve changed all that. By extensively researching insurers in MA, we’ve found the companies that are more likely to give consumers the lowest rates. So you’ll be able to find your ideal company much faster than if you did the entire search by yourself.
The Best Massachusetts Car Insurance Companies
The sharpest knife you have for cutting your Massachusetts car insurance rates is comparison-shopping. But which companies should you begin your comparisons with? That answer will save you a lot of time, not just money. We provide you with answer.
The companies shown below are well-known in Massachusetts for having the most affordable rates… and friendly service too. So they are as good a place as any to begin your comparison.
The Hanover Insurance Group – they are a local company with their corporate headquarters located on Lincoln Street in Worcester, MA. They have been serving New England residents for over 25 years and have a sterling reputation. It would be a good choice to get an auto insurance quote from them. Their rates are low and the process is a hassle-free one. Plus, you can combine your auto and home insurance for even bigger savings.
Geico Insurance – with decades of experience, low rates and high customer satisfaction ratings, they’ve become one of America’s most trusted companies. They are highly recommended by many insurance authorities on the web and by this site. You’d be hard-pressed to find a better overall company than this one. Grabbing a quote from them is one of the smartest things you can do when shopping for a company in MA.
Arbella Insurance – is another more local company with their corporate headquarters in Quincy, Massachusetts. And because they are a local company, getting in touch with an actual person is a little easier. This personalized touch is a great compliment to their affordable rates and user-friendly approach to insurance. We recommend they be part of your quote comparison.
How Much Auto Insurance in Massachusetts Do You Need?
What are the laws regarding Massachusetts car insurance? How much insurance do you need and should you buy extra coverage?
According to the state’s Office of Consumer Affairs & Business Regulation, here are the minimum requirements…
- You need at the very least $20,000 in bodily injury coverage for each person and at least $40,000 in total for each accident
- You need an additional $20,000 per person and $40,000 per accident in Bodily Injury coverage involving an uninsured driver
- You also need at least $5,000 of property damage coverage
- Finally, you need Personal Injury Protection of at least $8,000
Those are your minimum requirements.
I know some of these coverages may seem like they are unneeded, but they are required by state law. And you won’t be on the road legally unless you purchase those bare minimums.
If you fail to obtain these coverages and are caught driving without them, you can face stiff monetary penalties as well as suspension of your driving privileges. So it’s in your best interest to buy the state minimum coverage.
And you might want to consider…
Shielding Yourself and Your Family Even Further…
One crucial aspect to remember about your minimum requirements is that if you get into a severe accident, and the damage that needs to be paid out is more the what your minimum coverage is, then you will have to pay the rest of the money yourself… from your own pocket.
For instance, if you get into an accident that causes $30,000 in property damage but you only have the minimum coverage of $5,000, you would be required to pay the remaining $25,000 from your own money. The insurer would only be required to pay the first $5,000.
And that’s why you might want to consider getting more than the state minimum requirements when shopping around for cheap car insurance in MA. It will give you and your family members some added protection when driving.
How much more coverage should you get?
That depends on your situation and how much you can realistically afford to pay. My suggestion would be to get as much coverage as you can without putting a crimp on your monthly and yearly budget.
Talk to your agent and ask them what most other people pay for. But keep in mind that they might try to get you to pay more without you actually needing it. Another great source of information you can check out to see what other people with the same driver profile as you are paying is online forums.
They provide a wealth of knowledge if you’re willing to put in the time to read through what others are posting.
Don’t Ignore the Experts
Every industry insider and every government agency that tries to teach consumers how to get the best car insurance in MA all agree on one thing … comparing quotes is the best strategy for paying as low a rate as possible. It’s your best weapon against being overcharged.
Yet, many consumers fail to heed their advice.
Don’t make the same mistake. Because when you ignore these experts, you end up paying a lot more than you should. You end up giving your insurance agent a bonus check they don’t deserve.
You actually reward them for taking advantage of you… for overcharging you. And that’s extra money you could be spending on something you really need. Use it to buy something you’re family has been in need of for a while.
Or its money you could use to build up your savings. So, instead of paying for your agent’s vacation this year, take some time to examine the rates of three or more auto insurance companies in Massachusetts.
That way, you’ll be compensating yourself, not some greedy agent that’s just trying to make as much money off you as possible. You can cruise the streets of the Bay State knowing you’re fully insured at a great rate.
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