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What's the Process of Buying Car Insurance in Massachusetts?

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What's the Process of Buying Car Insurance in Massachusetts?

Americans have been paying higher prices for everything because of inflation. Even insured drivers are paying more for their car insurance than they were years before.

40% of insured drivers are stressed about being able to afford car insurance. In most states, there's no way around these payments as auto insurance is a requirement.

To ensure you can afford your policy, you need to know how to buy car insurance in Massachusetts. Keep reading to learn about the process.

Gather Personal Details

To make the car insurance buying process easier, it's best to gather certain details in advance. You'll need this information to apply for a new policy:

  • Personal details: Name, phone number, home address, driver's license number, email address
  • Vehicle details: Car's make, model, year, VIN (vehicle identification number), and mileage

If there are other drivers within your household that you want to cover under a policy, make sure you have their information as well.

Understand Car Insurance Costs

Car insurance in Massachusetts can range in price depending on various factors. On average, full-coverage car insurance in the state costs $221 per month or $2,647 per year.

Compared to the national average, the price is a bit more expensive. To prepare for buying car insurance, know what you can afford.

Budget a rate you think you will be able to pay each month. It's important to pay your premium consistently to risk a lapse in coverage.

Learn What Affects Your Rates

The process of buying car insurance involves a lot of research. This is why you should understand what affects your insurance rates.

Typically, a car insurance rate is determined by location, driving history, and other factors. Insurers will check the kind of car you drive to decide on a rate as well.

Insurers in Massachusetts are not legally allowed to consider gender when calculating a car insurance premium. Insurance providers in this state cannot use your credit score as a determining factor either.

Car Insurance Discounts

Some people can reduce their premiums by utilizing an auto insurance discount. While shopping around for insurance coverage, be sure to ask about discounts and programs that you might qualify for.

Some of the most common car insurance discounts offered by insurers are:

  • Senior citizen
  • Good student
  • Multi-vehicle
  • Distant student
  • Teen drivers
  • Military

Once you have a policy in place, you might be able to get a discount for paying the entire premium upfront, setting up automatic payments, or opting for paperless billing.

Determine Your Coverage Needs

There are several car insurance types covering different risks. The right insurance for you will depend on your specific needs. Here are some of the options you'll come across:

Full Coverage

Full coverage isn't necessarily a coverage type. Instead, it combines different policies to protect you from multiple incidents.

Typically, a full coverage policy includes:

  • Liability coverage
  • Collision coverage
  • Comprehensive coverage

Full coverage offers the most coverage but is the most expensive option. While it does offer more, it's not necessary for all drivers.

Liability coverage is one of the most common coverages and is required by law in Massachusetts. The two types of liability coverage are bodily injury and property damage.

Bodily injury liability coverage protects you if you harm another person during an accident that was your fault. It can be used to cover medical bills.

Property damage liability coverage protects you financially from paying for qualifying repairs to another driver's property damaged during an at-fault accident.

While property damage liability coverage won't protect your vehicle, comprehensive coverage will. This policy covers damages from:

  • Falling objects
  • Extreme weather
  • Acts of theft or vandalism
  • Collision with an animal

Collision coverage is necessary for covering damages to your vehicle from an accident with another car or object.

Minimum Insurance Coverage

Massachusetts requires drivers to have minimum car insurance coverage. This coverage must include:

  • Personal injury protection: $8,000 per accident and per person
  • Bodily injury liability insurance: $40,000 per accident and $20,000 per person
  • Property damage liability coverage: $5,000 per accident
  • Uninsured motorist coverage: $40,000 per accident and $20,000 per person

As a no-fault state, your insurance covers you if you are in an accident, specifically your personal injury protection coverage. This policy pays for your medical bills even if the other party was responsible for the accident.

The driver responsible for the accident pays for the other driver's property damage, whether in a no-fault state or not.

Add-on Coverage

Beyond the most common types of insurance policies, there are add-on coverages you might want to consider. Some popular add-ons are:

  • Rental car reimbursement: Covers the cost of alternative transport while your car is being serviced after an accident
  • Roadside assistance: Provides services like lockout assistance, flat tire changes, jump starts, and towing
  • Guaranteed asset protection (GAP): Covers some or all of the difference between what you owe on your car and the cash value of it in the event your vehicle gets stolen or totaled

A warranty from a vehicle manufacturer typically covers add-ons so that you don't have to purchase them until your car gets older.

Compare Insurance Providers

Not all auto insurance providers are equal. When shopping for insurance in Massachusetts, you'll want to get at least three quotes from different providers.

Check out insurance providers in your local area. On their websites, they should give you the option to request a free quote. You can also find insurance provider comparisons on websites that provide those tools and data.

Compare the quotes you receive to decide which policy is right for you based on your needs. In addition to price, take reputation and customer satisfaction into account before making a final decision.

Buying Car Insurance in Massachusetts Made Easy

When you follow the steps in this guide, buying car insurance in Massachusetts is less intimidating. By researching policy types and providers, you can make an informed decision on the best policy for your needs.

Take into account that Massachusetts has a minimum policy amount that every driver needs. From there, you can decide if add-ons are important to you.

Econosurance has over 25 years of success as an independent insurance provider in Massachusetts. We take your coverage needs and budget into consideration to find the right policy for you.

Get an auto insurance quote today to get started!

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