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Massachusetts auto insurance

Massachusetts Auto Insurance

Getting auto insurance is important for any car owner. It helps protect you, and others on the road when accidents occur. Car insurance is more than just peace of mind – it’s a safety net. In many states, having car insurance is legally required and you could face serious consequences if you are found without coverage. Here are some things to consider when shopping around for the right auto insurance coverage.


State Minimums

In Massachusetts the state minimums are listed below. If you own a car, these are the MA state auto insurance coverage minimums that you need to have. You are able to have more coverage than the state requirements, and it usually recommended.

  • Bodily Injury to Others:
    • $20,000 per person.
    • $40,000 per accident.
  • Personal Injury Protection (PIP):
    • $8,000 per person in an accident.
  • Bodily Injury Caused by an Uninsured Auto:
    • $20,000 per person.
    • $40,000 per accident.
  • Damage to Someone Else’s Property:
    • $5,000 per accident.


Optional Coverage

These types of auto insurance coverages are not required, but often a good idea to have. You can talk to you agent about how these can help protect you financially. If you are renting or leasing a car, the rental company may require you to get some of these coverages. Collison and comprehensive coverage are two common coverages that drivers opt for.

  • Collision
  • Comprehensive
  • Rental
  • Towing and labor


Proof of Insurance

In the state of Massachusetts, you do not need separate proof of insurance. Your car registration should show that you have auto insurance coverage. Because of this, make sure that upon registering your car you include your insurance. Make sure to keep your registration in your car and have it readily available in the event of an accident.


Massachusetts Safe Driver Insurance Plan

The MA Safe Driver Insurance Plan tries to reduce the number of accidents that occur on the road. To do this, unsafe drivers pay a higher insurance premium than safe drives. You can find more specific information regarding the plan on the MA RMV website. Keep this in mind as you shop for car insurance. It pays to be a safe driver, both in terms of safety and financial savings.


Shopping For Insurance

When shopping for Massachusetts auto insurance, make sure you do your research before committing. You can shop around at different insurance companies to make sure you are getting the best deal. You should also talk to your insurance agent to discuss the types of coverages you need to protect you and your family on the road. They can also help answer any questions you have regarding coverage and their implication. Make sure that when you do commit to a policy, you have full understanding of what is, and is not, covered. You should also be aware of the policy limits. Your insurance agent is there to answer questions you may have and address any pending concerns.


Call an Encharter agent today at 888.754.8299 and talk to us about Massachusetts Auto Insurance Coverage!


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