If you are looking for cheap car insurance in Massachusetts (MA), it can be a difficult search. Insurance costs in the Bay State can be high, especially if you live in an urban area like Boston. But recent changes in state law have increased competition among insurers, improving the situation for consumers who take the time to research policies.
Now more than ever, to find cheap car insurance in Massachusetts it pays to shop around and compare rates from multiple carriers. In April 2008 the state opened up its insurance market with a managed competition plan. This means that more insurers than ever are now competing for your business. With managed competition, insurers are no longer required to apply specific surcharges for traffic violations or car accidents.
Car insurance companies in Massachusetts can now create their own merit rating plan, deciding themselves whether to apply surcharges to moving violations or at-fault accidents. Insurers are also free to apply good driving discounts if you have maintained a clean driving record. These measures are making it easier for drivers to get cheap car insurance in Massachusetts.
Under Massachusetts law, insurance carriers cannot factor in at-fault accidents or traffic violations that occurred more than six years before the effective date of your policy. So if you had a poor driving record in the past, but have cleaned it up in recent years you should be able to get a better rate now than before.
State law in Massachusetts requires each driver to maintain minimum Bodily Injury Liability limits of $20,000 per injured person up to a total of $40,000 per accident. You also must carry coverage for Property Damage Liability with a minimum limit of $5,000. This standard policy is usually called 20/40/5 coverage with 20/40 UM limits.
Massachusetts has a No-Fault car insurance system. This means that your insurer will pay your injury claims, regardless of who may have been at fault for the accident. Your rights to sue for additional damages are limited under a No-Fault system.
With recent changes, there has never been a better time to obtain cheap car insurance in Massachusetts. To begin comparison shopping, simply enter your zip code in the form at the top of the page and we will instantly connect you with the best discount insurance carriers in your area. We work with all the big names like Geico, Progressive, and Allstate, but we can also connect you to great smaller insurance companies that provide very competitive rates. Start saving on your car insurance today!