East Coast Auto Insurance offers top rated Massachusetts auto insurance companies from Allstate to Geico and Progressive and 21st Century. We will help you find suitable coverage no matter what your driving history is. Call us now at 888-206-0565 for immediate assistance.
The state of Massachusetts requires all motorists that own or lease an automobile to provide proof of financial responsibility by purchasing a liability insurance policy. And of course Massachusetts is a no fault state. Because it is a No Fault state, your insurance company makes the payments for any injuries you sustain in an auto accident, regardless of fault.
The state mandates the following minimums:
- $20,000 bodily injuries (to others) per person, per accident
- $40,000 bodily injuries (to others) for two or more persons, per accident
- $8,000 personal injury protection (PIP) bodily injury to you and/or your passengers
- $20,000 bodily injury caused by an uninsured auto, per person, per accident
- $40,000 bodily injury caused by an uninsured auto, for two or more persons, per accident
- $5,000 property damage
What are the rules and guidelines auto insurance companies must follow regarding the use of Personal Credit History in selecting applicants and setting rates?
In the state of Massachusetts, auto insurance companies may use Personal Credit History to determine rates and offers for auto insurance products. Massachusetts auto insurance companies will also consider the following when determining rates and offers: driving records, type of vehicle being covered, sex and age of drivers, place of residence, and number of drivers on the policy.
Whether the state calls it DUI or OUI, driving while under the influence of alcohol or drugs in the state of Massachusetts is a serious crime. Operating a vehicle under the influence (OUI) is punishable by jail time, fines up to $50,000 for multiple offenders, and driver’s license suspension. In addition, in the state of Massachusetts, if you are caught operating under the influence in the presence of a minor (a child under 14), you will be charged with child endangerment.
In the state of Massachusetts, 16-year-old drivers are behind the wheel when the majority of crashes occur. Teens also receive the highest number of traffic violations in the state.
Most insurance professionals will agree that the minimum Massachusetts requirements are insufficient should you be involved in an auto accident, especially if the other party brings a lawsuit.
At East Coast Auto, our agents are trained in assessing your needs and providing you with additional coverage protection, including collision, comprehensive and umbrella.
We strive to assure your protection as well as that of your assets.
Call us now: 888-206-0565
What is the average auto insurance premium in this state? As of what year?
As of 2006, Massachusetts resident’s average insurance premium was approximately $1,042 the 6th most expensive in the nation. This was down 6.4% from the previous year. The national average was $817.
Here are some of the companies we will place coverage with:
- AIG
- Allstate
- Ameriprise
- Encompass
- Fireman’s Fund
- Geico
- Harleysville
- Liberty Mutual
- One Beacon
- Praetorian
- Progressive
- Quick Mutual
- State Farm