Switching car insurance is easy, but make sure that the coverages, limits, and deductibles in your new policy reflect what you have with your current insurer. While your rate might be lower when a new car insurance company quotes, its protection and claim compliance may not match the standards of your current insurer. If you decide to change your car insurance company, make sure there is no interruption in your coverage and remember to cancel your old policy. After an insurance company refuses to insure you, you will be eligible to apply for coverage through the Massachusetts Auto Insurance Plan, also known as MAIP.
To get MAIP coverage, you'll need to use an insurance agent. That insurance agent will ask you to fill out an application for the MAIP. Then, the MAIP will randomly assign you to an insurance company. The price you receive from MAIP may or may not be higher than the price you could have received if you had continued to look for offers.
Request an auto insurance quote online or call 1-866-749-7436 and we'll ask you the right questions to properly insure you and your spouse. Keep in mind that other factors may affect your car insurance rate if you're starting a new car insurance policy. If you and your spouse have a good driving record, a joint car insurance policy can save you money with lower premiums and a discount for multiple cars (if your insurer offers one). This information is not an insurance policy, does not refer to any specific insurance policy, and does not modify any provision, limitation, or exclusion that is expressly stated in any insurance policy.
Many insurers, including Progressive, require that you add a spouse to your car insurance policy if you both live in the same household (unless your state gives you the option to exclude your spouse). If you are married and live in the same household, Progressive and many other insurers require that you and your spouse be covered by the same policy. In addition, you can find out how many complaints organizations such as the Better Business Bureau and the National Association of Insurance Commissioners have received about each insurer. You can change your car insurance policies at any time, whether you bought your policy two days or two months ago.
If you don't have physical damage coverage and your new car is stolen, wrecked, or damaged in an accident because of you, you won't receive money from your insurance company. To find an agent to represent the insurance company you want to get a quote from, call the insurance company or visit their website. If you plan to cancel your current car insurance policy, make sure that your new insurance policy is already in effect. For example, Progressive allows 30 days, which means that if you file a claim within that period, your new car will continue to be covered in the same way as your old vehicle.
You can generally add someone else's car to your policy if you also share the same car insurance policy, which normally also requires living together. In the insurance world, claims are commonly referred to as losses, and the amount of losses a particular brand and model has can affect the cost of insuring.