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Massachusetts Car Insurance

OK, in just about every single state in the union you must have car insurance in order to keep your car on the road, Massachusetts is no different than any other state.

As with other states, Massachusetts has several laws and regulations specific to their own state which may include; there must be a minimum liability coverage for any and all vehicles on the road, this helps to insure that all persons who drive have the expected financial resources to pay for any and all damages as well as  court costs, etc. in the event that any person is in any type of accident.

To start off with here are the four main areas that must be considered when getting cheap auto insurance in Massachusetts, these are in relation to private passenger vehicles:
One: Personal injury to others: $20,000 per person, $40,000 per accident.
Two: Personal injury protection: Up to $8,000 for you, pedestrians, passengers or anyone whom you let drive your vehicle.
Three: Bodily insurance caused by an uninsured vehicle, minimum $20,000 per person and $40,000 per accident.
Four: Damage to some else's property which is a minimum of $5,000.

In 2008, Massachusetts changed their laws so that the consumer can now shop around for the best car insurance rates, a boon for those who are scrimping and saving every which way that they can in todays' economy.

Another aspect to consider when purchasing cheap auto insurance is to see how much coverage you really do need, don't just settle for the minimum, especially if you should need more for the assets that you currently have.

Since Massachusetts did away with the old fixed and established insurance clause with managed competition then businesses in the state are no longer required, by law, to affix certain surcharges and such to specific accidents and certain violations.

Now prices are set individually by auto insurance companies based on your previous driving record otherwise known as a Safe Driver Record. By the same token, if a person has several violations and accidents, their premiums will go up accordingly.

Proof of insurance must be carried with you art all times, in case it is ever asked for by an official such as a policeman, etc.

Here are the top 9 ways to lower your auto insurance costs:
1. Shop around for the best rates
2. Before you even buy a car, shop around for insurance rates
3. Ask for higher deductibles
4. Reduce coverage on older cars
5. Buy your homeowners and auto insurance from the same insurer to get the best discounted rates.
6. Maintain a good credit record
7. Take advantage of lower mileage discounts
8. Ask about group insurance
9, And, last but not least, look for any and all discounts they you may have missed.

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Massachusetts Car Insurance

Although Boston, South Boston, Worcester, Springfield, and Lowell are the biggest cities in Massachusetts cheap car insurance rates vary from city to city and rates in Cambridge may or may not be different than Brockton. Whether you live in New Bedford, Fall River, Plymouth or some other city in Massachusetts take 5 minutes and get free Car Insurance quotes now. If you are looking for additional ways to save take a look at our resources for finding Cheap Car Insurance in Massachusetts.


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Top Cities in Massachusetts With Cheap Auto Insurance