Buying Massachusetts Car Insurance
Shopping for auto insurance in Massachusetts can be a lot like shopping for any other product. Drivers are likely to find the lowest rates and best deals by comparing prices from a variety of insurers. Before settling on a policy it’s also best to fully understand what is being purchased and to have a good idea of an insurer’s reputation. Searching for quotes and company information can be simple with the help of the World Wide Web. Residents are urged to take advantage of available resource and start their search with an online quote comparison.
Buying Massachusetts auto insurance can be a simple task if vehicle owners are adequately prepared and know how to shop around. Policies can often vary depending on the insurer, and drivers are usually given different quotes based on a variety of important details. Before setting out to gather estimates it’s important for residents to ready a certain amount of information in order to help the search run smoothly, including:
- Detailed information about the vehicle being insured, such as the year, make, model, and VIN number.
- The names and driver’s license numbers of all motorists living in the same household.
- A clear understanding of the desired amount of coverage and what may be available.
Although residents have the option of contacting insurers individually to gather policy estimates, drivers have the option to streamline the entire process by utilizing resources available on the Internet. Usually in a short amount of time people can compare MA car insurance quotes from dozens of companies at once. This allows for a quick price comparison that includes a variety of sources, and may lead to a better chance of finding an inexpensive policy. Massachusetts’ motorists in particular can benefit from a thorough comparison because of the higher than average premiums that are common in the Bay State. The NAIC estimates that residents spend an average of $903 on expenditures, which makes MA the 13th most expensive state when it comes to automobile coverage.
Although it may be tempting to buy the cheapest Massachusetts car insurance policy available, drivers may want to consider the amount of coverage they are required to carry and how extensive of a policy they should purchase. To operate an automobile in MA drivers need to carry Bodily Injury Liability (BIL), Property Damage Liability (PDL), Personal Injury Protection (PIP), and Uninsured Motorist Protection (UM) with specific minimum limits, but more may be desired in order to be better prepared.
Sometimes accidents can be severe or involve multiple parties. If this happens, the required amount of coverage, like a minimum limit of $5,000 for PIP, may not be able to cover the resulting damages or injuries. If an individual exceeds their limit they may be forced to pay any remaining costs entirely out-of-pocket. Before settling on a specific policy it’s important to contact a prospective insurer to find out what additional forms of coverage are available and how much they may cost. Oftentimes, simply increasing one’s liability limits can be done for only a few extra premium dollars and may be well worth the extra expense.
Knowing how much protection to purchase is important, but it’s also essential to understand where a policy is being purchased from. Before buying, vehicle owners should make sure that the policy provider is licensed to sell coverage in the Bay State and has a good reputation. Motorists can usually contact the state Office of Consumer Affairs and Business Regulation (OCABR) with any inquiries, or utilize resources provided by local government to learn about any complaints that other residents may have had with specific insurers. Researching Consumer Complaint Data can be an excellent way of determining how well a coverage provider interacts with customers, and could help in the search for a quality insurer.
When purchasing a policy, Massachusetts motorists are urged to take special precautions. Drivers should always receive a receipt for any payments, and if drivers buy auto insurance online it is important to ensure that website in question is adequately secured. One way of determining this is to check the address bar on one’s Internet browser. If the website address begins with “HTTPS” instead of the standard “HTTP” then the site in question is likely secure. Motorists should also read and understand their policy thoroughly, and ask questions if necessary. To avoid potential complications it is also important to ensure that the information listed on the policy, such as the insured’s name, address, or VIN, is correct.