Competitive Rates for Your Massachusetts Auto Insurance

LoPriore Insurance is an independent agency that provides a variety of automobile coverage options for your car. We proudly represent multiple insurance companies, eliminating the need to shop around.

Our experienced independent agents find you the most competitive insurance rates on automobile insurance policies with broad coverage, accident forgiveness, and special discounts based on your unique situation.

Additional optional coverage is available to cover any gaps.

Car Insurance Massachusetts Quote Options

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What is it?

A car insurance policy provides coverage for unexpected incidents that occur while operating a motor vehicle. Car accidents cause damage to vehicles, injuries to individuals involved, and property damage. Personal auto insurance provides restitution for these damages and injuries.

Much like a home, your car and vehicles are valuable investments that cost a significant amount of money, so you must take steps to protect your assets. To many, a vehicle is almost like a second home as it allows them to go to places and transport belongings. As such, you naturally want it to be kept in the best possible condition.

If you are a new car or vehicle owner, you will be required to get a minimum amount of car insurance in Massachusetts based on the state’s law. While having the minimum is enough to permit you to drive, it is highly recommended to get a more comprehensive policy for added protection. Similar to other policies, you will be paying premiums based on your policy’s timeframe, and in return, your insurance provider will cover for costs that may arise from auto accidents or injuries.

Why Do I need It?

Auto insurance is required for all Massachusetts drivers. If you own and operate a vehicle in Massachusetts, you’re required to purchase a minimum amount of liability insurance. If you have a car loan (are making payments), your bank will require you to carry additional collision and comprehensive policies to ensure they’ll recoup the loss if the vehicle is damaged before it’s paid for. Auto insurance provides the coverage you need in the event of damage to your vehicle or liability that arises while operating your vehicle.

The thought of car insurance cost in Massachusetts may seem like an added expense on top of the costs you incur to maintain your vehicle. However, in truth, having insurance can help you more than you realize. States set a minimum required insurance for vehicle owners for that very reason.

With Massachusetts car insurance, you can get proper compensation from an accident caused by another vehicle owner, or offer such compensation to another person if you caused the accident. When it comes to auto accidents and collisions, both parties will often have to get their respective cars repaired, and the last thing you want is to spend thousands of dollars on that. Fortunately, a car insurance policy can also cover these costs, no matter who may be at fault.

Who Is It For?

Any person who operates a licensed vehicle in Massachusetts must purchase the required minimum of auto insurance as directed by the Division of Insurance guidelines. Drivers with a car loan must also have additional insurance policies. Anyone who wants the peace of mind obtained with the protection against damage and liability provided by car insurance can benefit from an auto insurance policy.

In short, you need to get the minimum requirement for Massachusetts car insurance before you can drive your vehicle and take it out on the road. No matter how excited you may be about a brand new car, you will not be able to operate it until you have the required coverage. Thus, it is often recommended to start looking for a car insurance policy before finalizing your car purchase.

If you are getting a loan to finance your car, the minimum Massachusetts car insurance requirements will be the same as vehicle owners. However, car lenders will often require a more comprehensive coverage policy to protect their investment. In most cases, you will need a full coverage auto insurance policy, including collision and comprehensive coverage. 

COVERAGE DETAILS

There are three types of automobile insurance coverage. While you’re required to purchase car insurance in Massachusetts, you may not be required to have all three types of insurance. The types of auto insurance available include:
  • Liability: This policy is designed to provide coverage for other parties’ financial damages when you are at fault during an accident. Liability provides coverage for both bodily injury and property damage. Minimum liability limits are required in Massachusetts.
  • Comprehensive: This policy is designed to provide coverage for non-collision related damage to your vehicle (like hitting a large animal or when road matter cracks your windshield). This policy is optional.
  • Collision: This policy is designed to provide coverage for damage to your vehicle when you’re involved in an accident, which is at least partially your fault. Collision is usually optional, but you will likely be required to purchase it when you have an active car loan.
Among the three types mentioned above, liability insurance is the minimum requirement to permit you to operate your vehicle. If your lender requires you to get a full policy, you will also need to get the other two coverages to ensure that your financed vehicle is protected in the best way possible.

Required Auto Insurance Coverage

In Massachusetts, you’re required to have liability insurance before registering your vehicle or driving on public roads. These minimum requirements are designed to provide coverage in most common accidents.

Bodily Injury to Others

Bodily injury protects you against legal liability when you cause an accident that results in accidental injury or death to others. Minimum required coverage provides $20,000 per person per accident and $40,000 per accident. You may be liable for more than the required limits. Optional policies with higher bodily image limits are also available.

Personal Injury Protection (PIP)

Personal injury protection provides up to $8,000 for medical expenses, replacement services, and 75% of lost wages if you’re unable to work. PIP covers you, anyone you let drive your car, those living in your home, passengers, and pedestrians, regardless of who causes the accident.

Uninsured/Underinsured Motorist Bodily Injury Coverage

This bodily injury coverage provides protection for you, anyone you let drive your car, household members, and passengers against injuries caused by an underinsured or unidentified (hit and run) driver. A 20,000 minimum per person and 40,000 per accident is required. However, this does not provide coverage for damage to your vehicle.

Property Damage

This coverage pays for damages to another person’s property when you or another authorized driver caused an accident. A minimum of $5,000 is required. However, it’s common for property damage during an accident to exceed these limits. There are optional policies with higher limits available.

Optional Auto Insurance Coverage

Optional coverage provides additional protection beyond the compulsory requirements. You may wish to extend your auto insurance limits for additional protection or meet your car loan requirements. These are some optional policies we provide.

Optional Bodily Injury Coverage

You may wish to purchase bodily injury coverage that extends beyond the mandatory limits. This optional coverage provides coverage beyond Massachusetts and covers physical injuries suffered by people in your vehicle.

Medical Payments

Optional medical payments coverage pays for medical expenses for you, another authorized driver, household members, and passengers. This coverage pays for expenses that exceed required PIP coverage. It isn’t relevant whether you or the other party caused the accident.

Collision

After your deductible is met, collision coverage pays for damages. Collision insurance does not cover personal property in the car. You can purchase a Waiver of Deductible at an additional cost that will eliminate your deductible when an identifiable driver is at fault for the accident.

Limited Collision

Limited collision pays for collision damages to your vehicle if you are no more than 50% responsible for the accident and the at-fault driver is identifiable.

Comprehensive

Comprehensive coverage pays for vehicle damages not caused by collision after your deductible is met. For example, theft, vandalism, and striking a large animal. Comprehensive insurance is usually subject to a deductible.
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Massachusetts Car Insurance Premiums

Your car insurance premiums refer to the amount you pay on a regular basis, typically monthly, bi-annually, or annually, to get the coverage in your policy. It works similarly to premiums for other types of insurance, such as health and life insurance. As such, the costs can vary significantly based on a number of factors.

When applying for auto insurance in Massachusetts, insurance companies will assess the “risk” involved in insuring you. Some factors, such as your personal information like age or address, are beyond your control. However, other factors, such as your driving history and credit history, are within your reach. Having a good credit history is a strong indicator that you are responsible for your payments while having a good driving record shows that you are careful behind the wheel. Thus, these two can lead to a lower premium.

Car insurance also allows you to include other drivers in your policy, so the more people you include in yours, the higher the premiums you will have to pay. If you often lend your car to a relative or friend, it would be a good idea to add them to your policy, since you never know what may happen while someone else is driving your vehicle.

How Much Does Car Insurance in Massachusetts Cost?

Car insurance rates in Massachusetts can range from one provider to another, but the average cost is at about $650 per year for minimum coverage. As for the full coverage policy, the average is at approximately $1,090 per year. Naturally, minimum policies will be a fraction of a full policy cost, but the trade-off is that you get less coverage.

Insurance costs can be different for each person as it ultimately depends on the extent of coverage you intend to get, as well as your overall case. Rest assured, our independent agents can connect you to various insurance companies, so you can explore your options and find a policy that suits you best. If you are interested in learning more about Massachusetts car insurance rates, do not hesitate to reach out to our team today.

How to Get the Cheapest Massachusetts Car Insurance Policy?

Trying to get the cheapest possible car insurance in Massachusetts, but still want to make sure you get a sufficient policy? Here at LoPriore, we can help you shop for car insurance rates from several providers, so you can learn about what each company has to offer. We partner with a variety of insurance companies, each with their unique policies and offers, to ensure that we can serve all our clients’ insurance needs.

Insurance companies also tend to offer discounts, so you can ask our agents for more information on that matter to get a cheaper rate. For example, some providers may give you a bulk discount if you get your homeowner’s insurance and auto insurance from them, while others may offer a discount if you pay your bi-annual or annual premium in one go.

You can also consider raising your deductible, as this results in a lower premium. Liability insurance will usually not require a deductible, but you will need one if you are getting collision or comprehensive coverage. That said, be careful not to raise your deductible too high as it might be beyond what you can afford.

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Auto Insurance FAQs

Determining the auto insurance that’s right for you can be difficult. Our experienced agents are available 24/7 to answer any questions you have. Here are some of the most common questions we hear about auto insurance from our customers.

Your auto insurance premium affects individual risk factors. For example, your driving record, location, and other rating factors need to be approved by the insurance commissioner. Discounts, your optional coverage, and the amount of your deductible may also apply.

Your auto insurance premium affects individual risk factors. For example, your driving record, location, and other rating factors need to be approved by the insurance commissioner. Discounts, your optional coverage, and the amount of your deductible may also apply.

LoPriore offers many discounts to help you get more affordable insurance, including
• Good driver discount
• Anti-theft discount
• Multi-car discount
• Low mileage
• Paid in full discount
• Student away from home
• Account bundling
• And much more!

A standard auto insurance policy doesn’t cover these programs. However, you can purchase options that include this coverage.

Teens can get a learner’s permit at 16 in Massachusetts. This is a great time to talk to your independent insurance agent and learn more about whether you should add him/her as an existing driver on your existing policy.

Reliable Car Insurance Policies from LoPriore Insurance Agency

While many decisions go into determining the policies that suit you best, getting the auto insurance you need doesn’t have to be complicated. At LoPriore, our motto is insurance that fits your lifestyle. Our independent agents are standing by, prepared to learn about your unique needs and help you choose the policies that best fit your unique situation. Get in touch today to learn more about our auto insurance policies, get a quick quote, or have your questions answered by one of our experienced agents.

Have any Question? Ask us anything, we’d love to answer!