Getting the Massachusetts car insurance coverage you need involves a few basic steps. The first thing you will need to do is figure out how much coverage you want to buy. You will need to make you have at least the minimum amount of bodily injury and property damage insurance required by law, but that may not be enough to provide adequate protection.
Along with the liability coverage, you may want to add collision and comprehensive to your policy. If you have a newer vehicle and/or took out a loan, the lender may require you to have this coverage in place since it pays for the cost of repairing the vehicle. If your car is totaled, it pays a benefit equal to the cash value of the car.
Knowing what kind of insurance you need and how much coverage you are looking for makes it easier to shop around for the best rates. Get quotes from several companies before making a decision about your coverage. The cost of insurance for the same level of coverage can vary greatly between companies, so this step is essential.
Before making a decision about which company to arrange coverage with, it’s important to ask about discounts the company offers. Students with good grades may be entitled to a better rate, for example. Installing an anti-theft device, taking an approved driver’s education course and having low annual mileage numbers may also entitle a customer to a discount.