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7 Things to Consider When Looking for the Best Auto Insurance in Massachusetts

May 15, 2023


You are currently looking for the best auto insurance in Massachusetts and want to ensure you have covered all your bases. When you get quotes for auto insurance, understanding what factors affect the cost of premiums can help you make better decisions pertaining to your coverage choices. Learning about how insurers assess premiums can also help you find the most competitive rates.

Go Find the Best Auto Insurance in Massachusetts

Here are seven things you should consider to get the best auto insurance in Massachusetts.

A Vehicle’s Value Determines the Price of Auto Insurance  

One of the many underlying factors to consider when looking for auto insurance is the value of the vehicle that you plan to insure. Insuring expensive, newer vehicles tend to be more expensive than insuring inexpensive or midrange models. 

Safety Ratings May Be Important

Carriers take vehicles’ safety ratings into account in setting premiums. When vehicles have poor ratings, carriers might charge higher premiums to offset risk exposure.

Your Location Is a Key Factor

The insurance price can vary considerably based on where you live in Massachusetts. Coverage costs more in densely populated, high-traffic areas because drivers are likelier to get into an accident.

Insurers Review Your Driving Record

Records from the Registry of Motor Vehicles weigh heavily on how carriers set rates. Massachusetts’ Safe Driver Insurance Plan system generates points against your license for traffic violations. A poor SDIP score is a red flag to carriers because it raises concerns about safe driving habits. 

Many carriers need to refer directly to the SDIP in their review process. Instead, they use their own methodologies to evaluate your driving record. 

Having a driving record with no infractions facilitates access to low rates. With an untarnished record reflecting your abilities as a safe driver, carriers offer competitive premiums.

Your Credit Score Is Relevant

Auto insurance providers commonly check drivers’ consumer credit scores in determining premiums. If drivers have a poor score, insurers identify a higher risk in indorsing them. Examine your credit score often to find out where you stand.

Coverage Should Address Your Practical Needs

Getting auto insurance that offers you meaningful protection in light of your individual needs and risk exposure is essential. First and foremost, coverage must be consistent with the state’s requirements. However, it could be advantageous to enhance coverage limits to better protect yourself against liability and loss.

The cost of increasing coverage limits may be a good value concerning the additional benefits that it provides. In contrast, it might not be practical to purchase a high-limit policy if you own a significantly depreciated vehicle or do not drive frequently.

You May Receive Eligibility for Discounts on Auto Insurance

Make it a point to ask whether you qualify for any discounts on an auto insurance policy. Bundling your auto insurance with another line of coverage, such as homeowners’ insurance, may get you better rates. 

Low mileage policies or safe driver discounts may entitle you to reduced premiums. Paying for the entire term of a policy in one payment could also get you a reduction. 

Listing all household members with a license is required in Massachusetts. And if household members have their own policy, listing them as a deferred operator often fetches a discount.

Be sure to connect with a locally based agent to get auto insurance in Massachusetts. An experienced, knowledgeable agent can help you assess your needs and help you get the best coverage options.

About E.J. O’Neil Insurance Agency

Since 1898, E.J. O’Neil Insurance Agency has provided homeowners with reliable coverage and high-quality customer service. Today, we offer a variety of policies, including commercial, boat, automobile, homeowners, motorcycle, and renters insurance. Quotes are free by phone or online request, and we can provide notary and other services at our location. We compare prices with all of our insurance carrier partners to ensure you are getting the best price year after year. It is what helps us combat the rising cost of insurance for our customers. To find the right coverage for your needs, call 413-594-4757 or visit us online.