Auto insurance mass ^ Video

Auto insurance mass



Auto insurance mass

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Car Insurance in Massachusetts

Massachusetts manages to hover right near the national average for car insurance costs. Average might not seem impressive, but it’s actually quite a feat when you think about it; our state is one of the few operating under a no-fault system insurance system. Most places under that regulation, which means your insurance pays for your damages no matter who was at fault for the accident, are in the top tier of most expensive places to be insured. But even in its good standing, Massachusetts residents might still be paying more than they have to. With a little bit of research, I found that with a little shopping around, it’s possible to shave hundreds off your premium. Frankly, it was pretty easy.

I got five quotes in my search for the state’s best car insurance policy and found out Amica could save me $560 a year! And while I’d like to promise you the same results — how great would it be if I could send you over to Amica with a promise that you’d save $500 too? — I cannot predict which company will have your cheapest plan. Insurance premiums depend on a bounty of personal factors, like where you’re from and what you do, not to mention how clean your driving record is, so there are almost never two identical policies. (And if you want to know more about those factors and how you can use them to lower your rates, we have just the thing.)

Insurers mine personal information like your driving record, where you live, the make and model of your vehicle — and so much more — and feed it to a proprietary formula that digests the data and spits out a premium. The kicker is that every formulas and equation is different. Some may assess your vehicle’s age as a major cost influencer, while another may be less worried about actual age and more keen to the actual mileage being put on the car. The point is, the only way to find out which company offers you the best deal is to get a bunch of quotes (I recommend starting with five) and compare them.

Online quotes only took me about five minutes apiece, but I could certainly have been slowed down if I didn’t have all my pertinent data at hand and available. If you aren’t sure about your average annual mileage or are fuzzy on the details of a recent claim, be sure to find out before starting the process. Over-the-phone quotes are another option, but certainly expect to add an extra 10 to 15 minutes to your budgeted time — and don’t forget to ask to have your quote emailed (or snail-mailed) to you for your personal records. I also found that I needed to have my game face on for phone quotes. Some companies will give you the hard sell, and it’s tough to not give up after the fifth, “How much would that coverage add to my premium?” With an online quote, it was as simple as checking and unchecking a few boxes.

Find the Best Car Insurance

Enter your ZIP code below and be sure to click at least 2-3 companies to find the very best rate.

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SOURCE: http://www.thesimpledollar.com/insurance/auto/best-car-insurance-in-massachusetts/

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