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Driving comes with an inherent amount of risk, for an accident can occur at almost any time. Thousands of accidents occur on a daily basis, and even the most careful of drivers is statistically likely to be in at least one (if not several) accidents over the course of their lifetime. Car insurance won’t help prevent an accident while on the road, but it can help Massachusetts drivers recover from the financial consequences that follow.
Being in an accident can be expensive. If a driver is found to cause the accident, they may be held financially liable for other people’s injuries and property damage. Additionally, drivers may have their own injuries to recover from and vehicle to repair. Because accidents cost a lot to recover from, most drivers should have a robust car insurance policy.
Most drivers in Massachusetts are legally required to carry auto insurance. State law stipulates that all drivers who are on public roads must have:
Not carrying these coverages exposes a driver to potential legal consequences and leaves them without protection if they’re in an accident.
While these compulsory coverages are a good start, many drivers want more protection than these coverages alone afford. For this reason, insurers often make a number of optional coverages available. Some of the optional coverages an insurer might offer include:
Many insurers also offer options such as accident forgiveness and roadside assistance.
Auto insurance premiums are based on many factors. Some of these, such as a driver’s age, and gender and marital status, are outside of drivers’ control (or, at least not worth changing solely to save on auto insurance). There are other factors, however, that drivers can take advantage of to lower their premiums.
Drivers may qualify for lower auto rates if they:
One of the best ways to find car insurance that’s both affordable and robust is to compare quotes for different policies. Drivers who would like to see what coverages different policies offer and what the policies’ premiums are should get in touch with an independent insurance agent who’s licensed in Massachusetts. An independent agent can request quotes from several insurers and help drivers compare the quotes with each other.