Car insurance in Massachusetts is expensive because it's a no-fault state with high auto repair costs. In Massachusetts, you can expect so. Aside from that, the best way to reduce your car insurance costs is to compare the rates of at least three insurance companies. Gap insurance is really insurance for your loan or lease, not for your car, and any reputable lender or landlord will require that you maintain it.
Some car insurance companies focus on specific types of drivers, while others offer various discounts to help you find affordable car insurance. State laws govern how much insurance coverage drivers must have, and no-fault laws affect insurers' risks. This is just one of the reasons it's smart to compare car insurance prices and quotes (more on that in a moment). One thing that generally doesn't make a difference is the color of your vehicle.
Contrary to popular belief, insurers don't charge more for red cars. Another reason why car insurance rates are so high in Massachusetts is because state law requires motorists to have personal injury protection (PIP) insurance in addition to minimum liability coverage. The cheapest states for car insurance are Iowa, Vermont and Nebraska, according to the WalletHub cheap car insurance study. In most cases, you can't take out coverage insurance or file a coverage insurance claim if you don't have collision or full risk coverage.
You can prove your financial responsibility by maintaining minimal car insurance with no gaps in coverage. If you bought term insurance from a dealer but allowed your car insurance to expire, you're likely in violation of your contract. There are several unique reasons why car insurance is also increasing every year in Massachusetts, even if your details remain the same. If you don't drive your car much, consider switching to a usage-based model for your car insurance.