Are you looking to get car insurance in Massachusetts? If so, it is important to not only know the MA car insurance companies that are available, but to know what the legal minimum requirements are in your state. If you are familiar with state auto insurance laws in the U.S., you usually need to buy a certain amount of liability coverage as well as property damage coverage.
In the state of Massachusetts, you are required to have the following: $20000 for bodily injury liability (for each injured person), $40000 minimum in total injury insurance for an accident, and $5000 worth of property damage insurance; you may see this type of coverage expressed as a 20/40/5 policy. Your underinsured/uninsured minimum is $20000 with a $40000 limit – so keep this in mind when you are looking to purchase a policy.
Car Insurance Companies in MA
There are many different MA auto insurance companies that you will be able to choose from if you are looking for a new car insurance policy. The car insurance company list that I put together can be used for some general companies that provide insurance for people in any state within the U.S. However, don’t only rely on the companies that are included on that list. If you are looking for a good car insurance company in MA, you will want to make sure that you consider some local insurers. The more insurers that you include in your selection process, the greater your chance will be of finding a good deal.
AAA Merrimack Valley – This is a local branch of the AAA insurance company. This insurer has been reliable for many customers. Consider them when you are searching for a quality company to purchase insurance through.
Nancy Bender Insurance – A lot of people in the area consider this company to be one of the most honest, trustworthy insurers available. If you are looking for an honest company that provides good services, then don’t forget about this company.
Liberty Mutual Insurance – This is clearly the most popular MA car insurance company. Not only are they local, but they are one of the biggest auto insurers in the entire U.S. Read reviews about them before you consider them for your coverage though.
John P Nixon Insurance – There are mixed reviews online about this particular company. From what I read about them, they seemed okay, but they didn’t seem spectacular.
Goll Insurance Company – This is another company with mixed feedback from customers. Some people claim that they got exceptional services through Goll, while others claim to be treated unfairly.
Keep the Massachusetts Car Insurance Laws in Mind
When getting auto insurance in Massachusetts, keep their minimum requirements in mind so that you aren’t underinsured as a motorist. They have a (PIP) personal injury protection limit of $8000 and function on a “no fault” system. This means that your insurance company pays for all claims that you are involved in – regardless of who was at fault. A lot of people don’t like this “no fault system” but you’ve got to adapt as a driver to meet the legal requirements of driving in this state.