In Massachusetts, every driver needs to have minimum car insurance coverage before driving around. Otherwise, the punishment for getting behind the wheel without car insurance includes imprisonment for not longer than a year or a fine of $500 to $5,000.
When getting car insurance quotes in Massachusetts, you need to ask about minimum liability coverage, uninsured motorist (UM), and personal injury protection (PIP). They serve as your protection from a massive financial burden in case you get involved in a car accident.
Liability car insurance coverage shoulders the damages that you cause. It consists of a couple of coverage: bodily injury (covers the medical expenses of people that you harm in an at-fault accident) and property damage (pays for the costs of damage that you cause to the belongings of others). UM covers the costs of treatment for your injuries in case the at-fault party doesn’t have car insurance coverage. PIP, on the other hand, takes care of your hospitalization as well as that of your passengers regardless of who the guilty party is.
You have no choice but to buy minimum car insurance coverage if you are a car owner in Massachusetts. It means that you will have to pay for premiums, which is one of the various reasons why some drivers refuse to get one.
Fortunately, it is possible to keep the impact of paying for monthly or annual car insurance premiums on your pocket to a minimum.
Did you know there are several easy ways to lower your car insurance costs? Some of them seem too simple to work. Well, they work very well, and many drivers in Massachusetts can attest to that. Keep the following tips and tricks in mind, and you can save yourself from having to shell out huge sums for your car insurance premiums:
Avoid going for the first car insurance company that you come across. Consider getting car insurance quotes in Massachusetts from at least three providers. Spend plenty of time comparing them with one another—the secret to getting the best coverage for less.
Here’s an added tip: Before buying a car, check car insurance costs first. The type of vehicle that you are planning to buy will determine how much you will have to pay monthly or yearly.
Request Higher Deductibles
Deductibles are what you pay before your car insurance policy springs into action. Generally speaking, the higher the deductibles, the lower the premiums will be.
It may sound like a counterintuitive option, especially for a budget-conscious car driver in Massachusetts. However, this is an effective way to considerably cut one’s car insurance costs, which many car insurance companies agree.
Be a Defensive Driver
Most car insurance companies won’t hesitate to lower your car insurance premiums if they know that you are a defensive driver. To prove you are one, it is a good idea to complete an approved defensive driving course.
To maintain lowered car insurance costs, drive cautiously every time. Your pocket will thank you for maintaining a clean driving record.
Drive Less Often
Something as simple as getting behind the wheel less often is enough to cut your monthly or annual premiums. It is because not frequently driving can help reduce your risk of being in a car accident, whether you are the at-fault party or not.
Covering a lower than the average number of miles a year may let you enjoy what car insurance companies refer to as a low-mileage discount.
If you are a law-abiding citizen, having minimum car insurance coverage in Massachusetts is a must. Worry not because, with the simple tips above, you can spare yourself from paying expensive car insurance premiums.