Massachusetts Auto Insurance Best Practices:
In Massachusetts there are 12 parts to auto insurance. The first four parts are mandatory in order to protect drivers from bodily injury and have some property damage coverage.
The remainder of the coverages are optional but strongly recommended under the Massachusetts auto insurance programs.
For example you want you to have coverage if you have and auto accident that covers the other person's vehicle should you be at fault and also, repairs your vehicle in the event of an accident. You would also want comprehensive coverage on your vehicle in order to cover anything other than collision coverage for you auto insurance. For example comprehensive insurance covers your auto's windshield should it be cracked or damaged. This coverage also includes any vandalism to your vehicle.
We Insurance agents recommend the you carry high limits on your Optional Bodily Injury coverage. This protects you should you cause an accident and someone is injured. The last thing you want is to not have enough coverage on your auto policy to cover the entire accident. Usually 100/300 limits are recommended.
Make sure that anyone who operates the vehicles and is a household member is listed as driver on your auto insurance. This will prevent claims from being denied or any gaps in coverage.
Savings on auto insurance: There is many different programs available to Massachusetts drivers to help them save money on auto insurance. For Example, Multi-Vehicle discount, Multi-Policy/policy package discount (combining you home and auto policy with the same carrier) Green Discount/Paperless (you agree to receive all correspondence via email), EFT discounts (pay insurance automatically through your bank account), low mileage discount (if you drive 7500 or less miles), and even a good student discount (any student that is listed on the policy and has a 3.0 or better). Due to all the competition in the state of Massachusetts in the auto insurance industry there are lots of discounts offered in order to attract customers.