To first time drivers and auto owners the multiple insurance agencies, coverages, and state laws may seem a bit overwhelming. Starting with the very basics of auto insurance, it’s important to know that auto insurance is legally required in Massachusetts. While auto insurance may be legally mandated, the benefits an insurance policy in the event of an accident are so great you should want to purchase auto coverage.
What are sufficient limits? Massachusetts law mandates when operating a vehicle it has certain minimum insurance coverages. Taking a look at these coverages is a good start to understanding what amount of coverage you should purchase. The Massachusetts minimum coverages include:
- Bodily Injury Coverage: $20,000 per person & $40,000 per accident
- Uninsured Motorist Bodily Liability: $$20,000 per person & $40,000 per accident
- Personal Injury Protection:$8,000 limit
However the minimum state coverages are rarely enough in the event of a serious accident. For example, if you’re involved in a head on collision, chances are the above coverages will not be enough for the entirety of the accident. If you are considering minimum state coverages please read the article: “Why You Need More Than the Minimums“.
When shopping for auto insurance the only way to guarantee you are getting the best price is to shop around. Many auto insurance companies offer discounts. Not all insurance companies will offer the same discounts, thus shopping around will help you find the company with the best discount combination. An easy way to do this without spending too much time shopping yourself is to utilize one of our friendly MassDrive agents. MassDrive helps you find the insurance carrier with the best fit for you, comparing quotes from multiple companies. Either way, comparing quotes may save you some serious cha-ching.