Consumers looking for car insurance coverage in Massachusetts need to understand that the rates they are charged will depend on a number of factors. Some of them are things that the customer has no control over. Others are within the realm of things that a driver can control, and these are the ones that should be focused on when trying to get better rates for insurance coverage.
Factors that a driver can’t control when it comes to car insurance include his or her age and gender. The area where a person lives also factors in, since people who live in heavily-populated areas are more likely to be involved in car accidents, but not everyone is willing or able to move to a rural area to save on car insurance rates.
The things that affect car insurance rates in MA that a person can control include the make and model of the car they drive, as well as the number of miles they put on the vehicle annually. Car insurance companies in Massachusetts also consider an applicant’s credit score when deciding whether to offer to extend coverage.
Driving history is another factor that affects car insurance rates in Massachusetts. A person with a clean record will be quoted better rates than someone with a history or moving violations and/or accidents, since insurers look at past history as a way to predict future behavior.