Massachusetts Auto Insurance, Massachusetts Car Insurance, Ma Auto Insurance

Massachusetts auto insurance is a mandatory requirement for every automobile owner in Massachusetts.The Massachusetts Division of Insurance is the state agency that regulates insurance policies and procedures. The Massachusetts Consumer Bill of Rights for Automobile Insurance provides guidelines on insurance claim settlements and customer satisfaction. The bill also details on the rights available with the policyholder in relation to the purchase and cancellation of an insurance policy.

Massachusetts Auto Insurance: Types and Coverage

Compulsory coverage as prescribed under the law includes:

Bodily injury to another person, with a compulsory limit of $20,000 per person.

Personal injury cover, with a compulsory $8,000 limit.

Bodily injury by an uninsured motorist, with a compulsory limit of $20,000 per person.

Property damage cover, with compulsory limit of $5,000.

Every person has the flexibility to extend the insurance cover to meet individual requirements. As per one’s budget, an individual can choose from the following Massachusetts auto insurance optional covers:

Medical expenses cover exceeding mandatory personal injury plan.

Collision coverage, which pays for damage to an insured vehicle irrespective of who caused the accident.

Comprehensive cover, which pays for damage due to fire, theft and vandalism.

Breakdown or towing assistance.

24×7 roadside assistance.

Secondary transportation benefits in case of an accident, breakdown or repair.

Tips to Save on Massachusetts Auto Insurance

Most Massachusetts residents live in densely populated urban areas, which leads to a higher rate of accidents. This, along with higher medical costs and high standard of living, makes Massachusetts auto insurance expensive. Here are some tips that can help you save on the policy:

Shop around before buying an insurance policy so that you find the best coverage for the best price.

Look for discounts, such as senior citizen’s and high grade discounts.

Try to get insured under a group policy.

Don’t pay for cover that is not needed.

Install an anti-theft system in the vehicle.

Drive safely and pay premiums on time.

The state of Massachusetts has the highest rate of property damage and bodily injury claims per vehicle in the US. Therefore, buying an effective Massachusetts auto insurance policy is extremely important.