5 Things To Know If You’re Thinking About Buying Car Insurance

Understanding car insurance can feel...daunting. Below, we break down some tips and tricks to keep you as knowledge-equipped as can be.

1. Car insurance is mandatory in Massachusetts.

Massachusetts requires four types of coverage: bodily injury to others, personal injury protection, bodily injury caused by uninsured auto, and property damage.

It's important to have some sort of coverage to help cover damage and injuries and get you back to normal as fast as possible after an accident.

2. You need car insurance to protect yourself in case anything goes wrong on the road.

Simply put, every time you get into a vehicle you take a risk. You may be an incredible driver, but you're not the only one on the road. Auto insurance helps provide a safety net when drivers make mistakes. 

3. Car insurance costs vary based on many factors.

Your rate can vary based on your location, your car, and other things. For example, if you drive a high-performance hot rod or have an accident or two under your belt, you can expect that number to increase sharply. The good news is, if you've got a good driving record, you're getting good grades, or you're a part of some affinity group, you could get a nice discount to help lower your rates.

4. Deductibles are an important consideration when picking a plan.

Your deductible is the amount you have to pay out of pocket before your insurance policy pays out. As you can imagine, the higher the deductible, the lower your premiums. Your agent can help you figure out if it makes more sense to pay more now just in case, or to pay more if something happens.

5. Independent agents are able to provide more options and work across insurance providers.

With access to multiple insurance companies, independent insurance agents are unlike any other type of agent out there. Your independent agent can offer different quotes from multiple providers to get you the best coverage.

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