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Massachusetts Auto Insurance Requirements
What is the Mandatory Auto Insurance Law in Massachusetts?
What are those required minimums in the Bay State?
Liability Coverage (mandatory):
Personal Injury Protection, aka PIP or No Fault (mandatory):
Uninsured / Underinsured Motorist (optional):
Proof of Insurance
Your Massachusetts car insurance company will provide this card when they issue or renew your car insurance liability policy.
Any time you request it, the insurance company will provide you this card for free for each car covered under your policy and if you get a free auto quote and purchase your insurance from InstantCarInsurance.com or from Ensurance.com you can also print your free ID cards instantly online, anytime of day.
The insurance ID card includes the name of the Massachusetts car insurance company, 800 claims number, the insurance policy number, and the insurance policy effective and expiration dates. It also includes a description of the insured car(s) and the name(s) of the insured driver(s).
Massachusetts has mandatory, or compulsory financial responsibility laws that are easily satisfied through buying car insurance from a Massachusetts Licensed Insurance Company. All registered cars and trucks are required to have minimum liability coverage, although InstantCarInsurance.com recommends that you buy higher limits and additional types of coverage as is affordable for you.
Should coverage lapse while registration is still current, the Mass DMV may assess penalties, fines, or even suspend the car registration. Insurance companies in Massachusetts report this data directly to the State so don't be surprised if you miss the insurance payments and a letter from the State appears in the mail.
And last but not least, you must obtain insurance from a Massachusetts-licensed company and it must be stamped for registration.
Where can I find a licensed Massachusetts Auto Insurance Company?
How to Find the Best Auto Insurance Rates in Massachusetts
If you think you may be paying too much for auto insurance, Massachusetts residents can save time and money by comparing car insurance quotes quickly and anonymously between all the top name auto insurance carriers simply by logging on to InstantCarInsurance.com.
Just remember, the State of Massachusetts requires minimum car insurance liability limits of 20/40/5 and 8k PIP limits as long as you have a valid Massachusetts car registration. Keep this in mind when shopping for basic coverage and evaluate it against car insurance quotes with higher coverage limits for a little more money. Cheap car insurance is not always the best car insurance.
The Massachusetts Insurance Department recommends the following tips for lowering your auto insurance bill:
Shopping for Personal Automobile Insurance
Tips For Lowering Your Premium
For parents of teen-aged drivers: If your teenagers donít own cars, try naming them on your policy as occasional operators of your least expensive cars. Many insurers will allow you to name them as an occasional driver if they donít drive to and from school or work. If they do own cars, try to cover them under your policy. This would also qualify you for a multi-car discount. The total cost still is not going to be cheap, but it should be cheaper than if they buy a policy on their own.
It is important that you report actual driving habits to the company. Still, itís not uncommon today for the insurer to have juveniles automatically assigned to your most expensive car. These carriers are to be avoided if possible.
Check into discounts for a driverís education course or good academic record. If the young driver goes to school more than 100 miles away - without a car - another discount may apply.
Advice to Young Singles on their own: Avoid high performance or "turbo cars." A turbo engine can add more than 10 percent to your premium.
Advice to Older people: Take a defensive-driving course thatís approved by the State Board of Education or National Safety Council. You may earn a 5 to 15 percent discount off of your premium.
Ask About Discounts
One last tip: Shop, and shop often! Why? Most people don't realize insurance companies typically change rates twice monthly. Therefore we strongly recommend that you save your quote, making it simple to return and re-rate your cars on the 1st and the 16th of each month - just to be sure you're still getting the best deal and the lowest, cheapest price you can find on line for car insurance! Why not? Itís fast, easy, and free!
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