CAR INSURANCE IN WORCESTER, MA

Proudly Providing Car Insurance to Residents in Worcester, MA & Many Other Cities and States Across the Nation

Auto accidents are both common and expensive, with crashes costing drivers approximately $300 billion each year, nationally. Worcester, MA, with congested roads and snowy winters, is a prime spot for these unfortunate events. In the blink of an eye, property damages and injuries can ruin your finances for years to come. However, with car insurance you can be protected from this fate.

Who Needs Car Insurance?

If you live in Massachusetts, you must purchase car insurance to be able to legally register and drive your vehicle. State law requires that you have a minimum amount of coverage including:

Bodily Injury Liability of $20,000 per person / $40,000 per accident
Personal Injury Protection of $8,000 per person, per accident
Bodily Injury caused by an Uninsured Motorist of $20,000 per person / $40,000 per accident
Property Damage Liability of $5,000

In order to register your vehicle, the state must confirm that you have this coverage, and your insurance information will be printed on your registration. Your insurance must name all licensed drivers living in your household who are related to you, even if they are covered by separate policies.

Is Minimum Coverage Enough?

Though Massachusetts has outlined the minimum amount of auto insurance required for every driver, most Worcester, MA drivers will want to purchase additional insurance. A single crash can cost tens of thousands of dollars, and if someone is seriously injured your liability could be over $1 million. Additional insurance can help cover even these more serious events, to protect your finances from these devastating costs.

What Other Types of Coverage are Available to Worcester, MA Drivers?

In addition to the required protections, drivers have the option of purchasing collision insurance and comprehensive insurance. These types of coverage provide broader protections to help more fully cover your costs when you are in an accident.

Collision insurance provides coverage for the damages done to your vehicle in a crash. In many cases in Massachusetts, you are responsible for the repairs to your own vehicle, regardless of who is at fault, so collision insurance is important for many drivers. Many carriers offer options such as a collision deductible waiver to reduce your costs if you are less than 50% at fault for a damaging accident.

Crashes aren’t the only way a vehicle can be damaged. With comprehensive auto insurance, you can have coverage for many other situations, such as theft, fire, and storm damage.

Reducing Your Premiums

Because auto insurance is required for all vehicles in Massachusetts, Worcester, MA drivers should be aware that there are ways to save money on your premium costs. Your premiums are based on a number of factors including:

Age
Driving record
Years of experience driving
Type of vehicle
Traffic violations
Location

To reduce your premiums, you can exclude coverage such as rental or towing coverage, especially if you have coverage from other services, such as an auto club. Higher deductibles can also reduce your premiums. Your insurance agent can help you find other programs, such as safe driver training and discounts for bundling your insurance policies.

Worcester, MA drivers must have car insurance on all vehicles to be able to legally drive in Massachusetts. With minimum state requirements and a host of other policy options, it’s important to consult with an experienced insurance agent to help find the policy that’s right for you.