The average rates of several car insurance companies are also provided, as well as tips on possible ways to save on your car insurance rates in Massachusetts. Car insurance in Massachusetts is expensive because it's a no-fault state with high auto repair costs. The consequences of driving without insurance are ultimately more costly than buying minimal car insurance coverage. Although it is usually less expensive than a full coverage plan, liability insurance does not protect against an accident or theft of the insured vehicle.
It helps manage the creation of insurance content that meets the highest quality standards in terms of accuracy and clarity to help Bankrate readers search for complex information on home, auto and life insurance. Similarly, if you get a speeding ticket in Massachusetts, you're likely to see an increase of up to 25% in what you pay for car insurance when you renew your policy. Buying Massachusetts minimum liability auto insurance coverage is the easiest way to meet the financial responsibility requirement. For example, the average cost of car insurance in the cities of Haverhill and Lowell is 8 to 10 percent more expensive than the average cost of car insurance in Massachusetts overall.
Massachusetts car insurance quotes vary greatly depending on several factors, including the type of coverage you choose, coverage limits, your address, and personal factors. For insurance companies, it's similar to having a bad driving record, which is why drivers who let their insurance expire for 60 days pay approximately 35% more than the average premium in Massachusetts. If you can't take out auto insurance in the voluntary market due to an irregular driving history or other factors, an insurance agent can apply to the Massachusetts Auto Insurance Plan. If you have an accident while driving without insurance in Massachusetts, you will be cited and all penalties for driving without insurance will apply, no matter who is at fault.
Full-coverage car insurance policies are the most expensive, but they provide much more protection, since they cover your own vehicles against accidents, thefts, natural disasters, and collisions with animals. In this plan, you get liability insurance for any damage you may cause to another car or property in an accident, coverage for uninsured motorists for when you are hit by another uninsured person (which does happen) and collision or comprehensive coverage that will be paid if your vehicle is destroyed in an accident. This plan also includes liability insurance for any damage you may cause to another car or property in an accident, coverage for uninsured motorists for when you are hit by another uninsured person (which does happen) and collision or comprehensive coverage that will be paid if your vehicle is destroyed in an accident. For drivers with repeat offenses on their record, some auto insurance companies may even deny coverage.