Massachusetts is one of the only states that does not allow car insurance providers to base their rates on drivers’ credit scores; instead, insurance providers use various other factors, most importantly the driver’s age as the main determinant in how much car insurance will cost them in Massachusetts. Younger drivers tend to pay more due to being less experienced on the roads and having a greater chance of an accident occurring.
Make and model of the vehicle can also have an effect on Massachusetts insurance rates, taking into account both repair costs for it and likelihood that it will be stolen or damaged. A BMW 330i may attract higher premiums than an Odyssey for example.
Insurance companies take drivers’ driving records into consideration when setting car insurance premiums. Drivers with clean records generally pay significantly less for coverage compared to those who have multiple at-fault accidents and DUI violations on their records.
Your choice of coverage level will also have an effect on your rates. Minimum-coverage only policies (which meet Massachusetts’ requirement for liability only coverage) tend to cost less than full coverage policies; however, full coverage provides extra protection in case an accident where they are found responsible occurs.
Drivers in Massachusetts should invest in comprehensive or full coverage policies to protect themselves, and those using their personal vehicles for business should secure sufficient commercial auto coverage.
Lifestyle and habits of Massachusetts drivers can also have an effect on their car insurance premiums. Insurers consider each driver’s driving history and behavior to assess how often they drive as well as whether or not they pose a high risk to insure.
Maintaining a safe driving record can be one of the best ways to save on Massachusetts car insurance premiums. By shopping around and comparing quotes, you’ll find the ideal policy provider that meets your needs. Check whether any additional discounts apply such as student status, having an exceptional driving record, owning newer vehicles or qualifying for defensive driving courses as these could all add up and help save a considerable amount on Massachusetts auto insurance premiums.