Massachusetts Auto Insurance Guide

Auto insurance provides you and your family with coverage and protection in the event that you're in an accident. But that protection comes with a price. If you are researching auto insurance in Massachusetts, be sure you are aware of all of the state's auto insurance requirements. Depending on where you live, your state could have very different auto insurance laws than those in another state. All drivers are obligated to meet required auto insurance coverage standards. This is for your protection.

Massachusetts Insurance Regulations

Massachusetts requires that all vehicles have insurance coverage. And the state's pretty strict about this - doesn't matter if you have an SUV or a Vespa. You need insurance.

If you are found to be driving without insurance coverage, you could immediately lose driving privileges. Massachusetts takes these laws very seriously, so make sure your insurance meets at least the state's minimum coverage standards.

Mandatory Minimum Coverage in Massachusetts

In Massachusetts, your insurance must provide coverage that meets at least these allowances: $20,000 for bodily injury to one person, $40,000 for bodily injury per accident, and $4,000 for property damage. You also must have $8,000 of personal injury protection as well as uninsured motorist coverage. Massachusetts is a no-fault state.

Motorcycle Coverage Requirements

While some states have specific requirements and laws related to motorcycle insurance, Massachusetts is not among them. Basically, your insurance obligation is the same whether you're riding a moped or driving a Hummer. Motorcycle riders get no breaks when it comes to insurance in Massachusetts.

Massachusetts Auto Insurance Advice

Because Massachusetts is so strict when it comes to insurance, it can seem a little daunting for someone who wants to find savings or get the most out of their insurance. But there are strategies that you can use to find some affordable aspects to your insurance coverage.

First, remember that minimum coverage is not the same as comprehensive coverage. Quite the opposite. If you get only the minimum coverage, in this case just $4,000 coverage for property damage, and are liable for $10,000 of property damage that occurs in an accident, guess where that extra $6,000 comes from? Yep, your wallet. You may be surprised at how affordable comprehensive coverage can be. Make sure you look into all of your options - because your insurance can only protect you to the extent of the policy. If you want comprehensive insurance, you'll need to pay for that privilege.

Also, you should look at your insurance as a whole - auto, home, life, whatever. You may be able to combine multiple policies through one insurance company, and receive a multi-policy discount as a result. Be sure to ask about this as you look into policies and coverage.