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Auto Insurance in Massachusetts

Massachusetts auto insurance can be very complicated, because of the recent changes in the insurance system. Massachusetts used to allow the state to set insurance rates, so everyone paid the same rates for auto insurance. Currently, the state Department of Insurance is in the process of changing to the Managed Competition System, which is a more common method of insurance determination. This allows rates to vary from person to person because they are determined by the insurance companies.

Minimum limits required by Massachusetts law include:

•     $20,000 injury coverage per person
•     $40,000 injury coverage per accident
•     $5,000 property damage coverage
•     $8,000 personal injury protection (often required in no-fault states)

Auto insurance in Massachusetts holds drivers responsible based on a points system. Any violations or infractions can add points to your record, which can raise your insurance rates as much as 15%. This makes it important for you to have proper insurance coverage, to avoid higher rates and negative impacts on your driving record.

Shopping around will allow you to save money on your auto insurance rates, but determining how your insurance rates are calculated may be of more interest to you. Now that everyone's rates are different, your rates will be determined based on a variety of factors. These factors can include:

•     driving record
•     age, gender, and marital status
•     type of vehicle being insured
•     amount of coverage desired
•     credit rating

Auto insurance in Massachusetts doesn't have to be complicated, as long as you take the time to research the information and be an informed consumer.