Summer in Massachusetts is made for scenic drives — Cape Cod day trips, Berkshires getaways, or long weekends in the White Mountains. But before you load up the car and hit the road, it’s worth checking whether you’re carrying the right MA car insurance for your seasonal needs. 

With prices creeping up across the board, now is the time to fine-tune your policy and make sure you’re not overspending on coverage you don’t need or skimping where protection really matters. Here are some auto insurance tips to help you find a balance between savings and security.

Review Your Coverage Before You Hit the Road

If it’s been a while since you looked at your policy, you’re not alone. Many drivers assume their auto insurance is “set it and forget it,” but your summer driving habits might tell a different story. Are you putting more miles on your vehicle? Using a second car for longer trips? Carrying more passengers or towing a trailer?

This is a good moment to evaluate whether your current coverage still makes sense. If you’re a safe driver and have a cushion in savings, raising your deductible can lower your premium without sacrificing protection. You might also want to adjust your liability limits or add roadside assistance if your plans include backroads and long distances.

Take Advantage of Discounts You May Be Missing

One of the easiest ways to trim your auto insurance costs is by tapping into available discounts, many of which go unclaimed. These can include:

• Good driver and accident-free discounts: If your record is clean, you deserve to be rewarded.
• Low mileage discounts: Summer might mean more driving for some. However, if you’ve recently changed jobs or started working from home, your annual mileage might be lower than you think.
• Bundling home and auto insurance: Combining policies is one of the best ways to save. If you’re not already bundling, see why it can make a real difference.
• Student and teen driver programs: If you’ve got a college student home for the summer, ask about good student discounts or whether they qualify as a part-time driver.

According to the National Association of Insurance Commissioners, asking about discounts directly with your insurer or agent is key — many aren’t automatically applied.

Understand MA Car Insurance Requirements

In Massachusetts, you’re legally required to carry a minimum level of coverage — including bodily injury to others, personal injury protection, and uninsured motorist coverage. But going with just the state minimum might leave you exposed, especially if you’re driving more often or farther this summer.

With increased summer traffic and unpredictable weather, getting cheap car insurance shouldn’t be your only consideration. Choosing full coverage, which typically includes comprehensive and collision protection, costs more upfront but could save you thousands in an accident. 

Compare Rates Before You Renew

Auto insurance isn’t one-size-fits-all. Rates can vary widely depending on your location, vehicle, driving history, and seasonal driving patterns. Shopping around before you renew is a smart move, and working with a local independent agency like E.J. O’Neil makes the process easier. We’re able to quote multiple carriers and help you weigh the trade-offs between cost and coverage.

Summer is also when insurers often reassess driving trends. If you’ve made lifestyle changes — new job, fewer miles, or upgraded safety features — you might qualify for a better rate than last year.

Protect Your Wallet Without Risking Safety

It’s easy to focus on finding the lowest number on a policy, but cheap shouldn’t mean cutting corners. Good insurance is about value — what protection you’re getting for what you pay. A rock-bottom rate might look appealing until you realize it doesn’t cover rental reimbursement, towing, or even a modest collision claim.

Working with a local expert like E.J. O’Neil means your policy aligns with your real-world needs, not just the minimum legal requirements. Contact us today to review your policy and get the protection you need without overpaying for coverage you don’t.

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 pride ourselves on caring for customers when they need it most. To find the right coverage for your needs, call 413-594-4757 or visit us online.