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automobile insurance massachusetts
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car insurance ma - 6 September 2013 - insurance
automobile insurance massachusetts
Massachusetts Car Insurance
Do you live in Massachusetts and want the lowest cost automobile insurance? Then go to the top of the page, enter your zip code, and find the lowest quotes for automobile insurance in MA. Massachusetts auto insurance quotes are just a click away.
Massachusetts car insurance is a requirement to own and operate a motor vehicle on the public highways in the state. The basic and minimum policy provisions for auto insurance in MA are dictated by the legislature. How much you pay for that insurance is up to the resourcefulness of the individual in seeking out cheap auto insurance in MA. The best way to find the best deal for the least money is to compare quotes. And the quickest and most productive way to compare quotes is to use an online source. Let the online provider do the work. Auto insurance rates vary throughout Massachusetts and depend upon the location of the motor vehicle, that is, where the vehicle is kept which is generally the address of the owner. A simple entry of a zip code opens the door to obtaining quotes.
Massachusetts requires a minimum level of coverage for car insurance in four areas. The first is bodily injury to others. This covers the situation where a driver causes personal injury to another person as a result of their negligent driving. The minimum coverage is $20,000 per person and $40,000 per accident. That means the insurance company will pay up to that amount. If the damages for bodily injury exceed those amounts, the individual driver will be personally liable. The second coverage is Personal Injury Protection. This is a feature of Massachusetts law that provides $8,000 worth of coverage per person per accident. It pays medical expenses and lost wages and is intended as basic protection for those injured in an auto accident. The third coverage is bodily injury caused by an uninsured auto. The minimum limits are the same as bodily injury caused by negligence. This coverage protects a driver and occupants from damages caused by someone operating a motor vehicle without insurance. The final required coverage is for personal property damage. The minimum amount is $5,000 per accident and covers damage to other motor vehicles as well as property such as a mailbox damaged in an accident.
There are many other optional provisions available such as collision insurance which covers damage to your own vehicle caused by your negligence, such as driving your car off the road and damaging the vehicle. Another type of coverage is comprehensive which covers situations like a tree falling on a car. Other provisions include medical payments for amounts exceeding the Personal Injury Protection, underinsured coverage that provides benefits if your damages exceed the coverage limits of the person causing the accident, and a rental provision that provides you with a rental car while your vehicle is being repaired.
Outside of your physical location, the two main factors in determining your auto insurance cost in MA are your driving record and the coverage selected. Obviously insurance companies prefer people with clean driving records as opposed to those with speeding violations and prior accidents. Keep your record as clean as possible in order to obtain cheap car insurance in MA. For coverage consider high deductibles for collision and comprehensive as means to lower insurance. An older low value vehicle may not be worth paying for either coverage. If you have good medical insurance you may not need medical payments coverage. Compare car insurance quotes for different coverage limits for bodily injury and determine if the extra cost is worth the coverage. Use the ease of online quotes to determine the best coverage for your individual situation.
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Article Source: http://carsinsurancerates.org/states/massachusetts-car-insurance/