Massachusetts Auto Insurance Agents

If you live in Massachusetts and are looking for an auto insurance agent to help you with your insurance needs, you've come to the right place.

Massachusetts Auto Insurance agents are fully qualified professionals whose goal is to make the process of buying auto insurance easy and enjoyable for you- their customer. They are also able to compare coverage and prices from many different sources- including most of the leading, well-respected insurance companies in the country. This allows them to formulate the right auto insurance policy for each individual client in terms of coverage and cost.

By asking the right questions about your personal needs and circumstances with regards to insurance and listening carefully to your answers, a good agent can put together a comprehensive auto insurance policy which protects you and your property, as well as your assets. You can rely on your agent to stand by you when you have a claim and to always make sure your policy is up-to-date and continues to meet the needs of your changing lifestyle.

If you would like to receive a quote from a qualified agent, please use our Agent Locator. It offers an extensive list of professional agents in your local area.

Compare Auto Insurance in Massachusetts

The State of Massachusetts requires every motorist to purchase and maintain several different types of insurance coverage. The dollar amounts given are minimum numbers. These are:

• $20,000 total for bodily injury coverage, per person
• $40,000 total for bodily injury coverage, per accident
• $5,000 total for property damage, per accident
• $8,000 total Personal Injury Protection (PIP). This insurance coverage protects you when you are involved in an accident, no matter who is at fault. It pays a portion of the costs such as accident-related medical expenses and 75% of lost wages.

Massachusetts also mandates that all drivers carry Uninsured Motorist coverage. This covers your own bodily injuries if you are the victim of a hit-and-run or are hit by a driver who is at fault but has no insurance. The minimum coverage amounts are:

• $20,000 total, per person
• $40,000 total, per accident

It's important to remember that these amounts are the minimum required by law. Most insurance experts recommend that you consider purchasing higher amounts of coverage to protect yourself financially. If you don't have the proper amount of coverage and are held responsible in an accident, your home, savings, future wages, and all other personal assets can be at risk in order to cover the costs of accident-related medical bills, property damage, and lawsuits.

Your auto insurance agent is a knowledgeable and trusted source for information regarding your state's minimum requirements. Your agent can also offer sound and practical advice when it comes to selecting other types of auto insurance coverage to protect yourself financially. These may include Collision Coverage or Comprehensive Coverage, for example.

For any other concerns or questions, please contact:

Massachusetts Division of Insurance

Tips to saving money on your insurance premiums

• Maintain a clean driving record. This can add up to big savings when buying auto insurance.
• Raise your deductible. Remember, the higher your deductible, the lower the cost.
• If you have a teenage driver in the family, ask about a good student discount.
• Bundle your insurance policies. Purchasing life, home, auto and other insurance policies from one company can earn you up to 10% off the total cost of your premiums.
• If you're purchasing a new vehicle, get an insurance quote before you buy. Insurance prices can vary dramatically depending on the make and model of the car you purchase.
• Improve your credit score. Many insurance companies use your credit score to determine the amount of your premium. Before applying for insurance, obtain copies of your personal credit report from the three major credit bureaus and check them for accuracy. Report any errors or out-of-date information directly to the reporting bureau.

Being aware of these money-saving tips can add up to big savings for you! When you also work with a professional insurance agent to put together your policy, you can be confident that you are getting comprehensive coverage at the best possible price.