You cannot legally operate a motor vehicle in Massachusetts unless you have auto insurance. Auto insurance generally protects both you and anyone in your car as well as other people who may be involved in an accident with you. MAPFRE makes it easy for you to get insurance whether you live in a big city or small community. Make sure that you know what type of auto insurance in Massachusetts is available and what you need to get a policy before you look at quotes.
What is the minimum coverage you need?
As a Massachusetts driver, you need bodily injury and damage protection as well as personal injury protection. The state requires that you carry a minimum of $40,000 in bodily injury coverage per accident and $20,000 in bodily injury coverage per person. If you cause an accident that requires someone to go to the hospital, your insurance will pay up to $20,000 towards their medical bills. You need another $8,000 in coverage per person per accident in personal injury protection in Massachusetts. Also known as PIP, it primarily covers the medical bills of persons injured while occupying your vehicle and pedestrians struck by your vehicle, no matter who caused the accident.
Massachusetts drivers must have $5,000 in property damage protection. Your insurer will pay for damages to another person’s property if you were at fault. Residents also need $20,000 in bodily injury coverage per person for accidents involving someone without insurance and a minimum of $40,000 in coverage per incident. This allows you to file claims for accidents that someone caused when they do not have insurance to cover the medical bills you have. Cheap auto insurance shoppers in Massachusetts often forget to purchase adequate coverage or to add other drivers to their policies. Your policy should cover every driver in your home.
Is there anything you need to compare rates?
When you work with an insurance company to get an auto insurance quote in Massachusetts, you need to share some info. You need to provide your full name and date of birth. This will allow insurers to see if you filed claims in the past. They can also see if you have any driving violations on your record such as reckless driving or a DUI. You also need to share your current address and the type of car you drive. If you need coverage for multiple cars, make a note of that when you fill out the form because it could qualify you for a multi-vehicle discount with many car insurance providers.
How to get auto insurance quotes in Massachusetts
One of the nice things about going through MAPFRE is that you can find the best auto insurance in Massachusetts right where you live. MAPFRE has independent agents available to help you find the right coverage across the Bay State. You’ll have no problem finding an agent who can assist you and is in your neighborhood.
With auto insurance quotes, Massachusetts residents can get help finding the best coverage or the cheapest rates. The best policy for you might be a full coverage plan that includes liability and medical payments along with collision and comprehensive coverage. It’s usually the most expensive option. If you’re on the hunt for the cheapest auto insurance plans, you need to be aware that while paying a lower price for your insurance, you are putting yourself at financial risk. If that’s ultimately what you want, you could consider one that includes just the minimum amount needed for drivers in the state.
Reasons to choose MAPFRE
Thanks to some great MAPFRE auto insurance products, you can balance the auto insurance coverages to best suit your needs before you choose one. Many policies allow you to add features like substitute transportation that pays for a rental car if you can’t drive your vehicle and towing and labor if your car breaks down on the side of the road.
Comparison shoppers looking for auto insurance quotes also like all of the discounts they can get. The Good Student discount goes to teens and other students who get good grades in school, while the Paid in Full discount reduces your rate if you pay the full amount at the start of your policy period. You also get discounts if you don’t drive often or as a member benefit to certain organizations.
Working with MAPFRE makes it easy for you to get the Massachusetts auto insurance quote you need and find the right coverage at the right price.