Top Mistakes to Avoid When Looking for Car Insurance in Massachusetts

According to the US Census Bureau, the population in Massachusetts is about 6,892,503, and every household has a minimum of two vehicles. There are about 18,000 electric cars registered in the state of Massachusetts. And the state has plans to introduce 300,000 more electric vehicles on roads by 2025. According to the state laws, all these vehicle owners must carry valid car insurance Massachusetts before getting behind the wheels.

The minimum coverage car insurance protects you from the car-crash damage and protects the other drivers on the road from the damage you cause. But before you opt for car insurance, you must thoroughly analyze the terms and conditions of the policy. The following mistakes must be avoided while buying car insurance in Massachusetts.

Not Consulting the Reputed Car Insurance Advisor

About 13% of the US car owners do not have car insurance. Many people do not buy car insurance to avoid paying insurance premiums. But it is illegal and against the law to not have car insurance in the state. If you have no idea about which auto insurance is best suited as per your requirement, you must hire a car insurance advisor.

Many car insurance advisors offer consultation online. You can search for the best advisor and talk to the shortlisted ones. The advisor will guide you with all the relevant information on car insurance that you may not be even aware of.

Not Focusing on Total Coverage

The average cost of car insurance in Massachusetts is about $1,460 per year. But people look for low-cost car insurance that does not offer full coverage. The coverage must include bodily damage, property damage, non-collision damage, and collision damage.

The comprehensive coverage is optional for car insurance in Massachusetts. Still, it provides cover for non-collision damage like a car hit by a large animal or windshield destroyed while speeding on a rough road. In collision coverage, the driver receives benefits only when an accident takes place.

Although it is also an optional policy, it is necessary to purchase when you have an active car loan. On the other hand, the liability policy provides financial coverage to the other party when you are at fault during an accident.

Not Clear with the Terms & Conditions

The OCABR’s Division of Insurance works to protect the consumers from the fraudulent acts of the Insurance companies in Massachusetts. Many consumers complain about not being familiar with terms of the insurance policies. Eventually, they end up having limited coverage, and during a mishap, they receive unsatisfactory benefits.

It is, therefore, necessary to understand the clauses and sub-clauses in the car insurance policy. Discuss with your car insurance advisor in detail about the exclusions, extensions, and additional benefits of the car insurance you are buying.

Not Documenting the Details

If you fail to carry car insurance in Massachusetts, you may be penalized with a fine between $500 to $5000, a year in jail, or both. Buying the cheapest car insurance is not the solution to avoid penalties. It is best to get all the necessary details and coverage options written and documented in detail.

You can negotiate with your car insurance company and get the best quote for your requirement. Only the verbal discussion will never suffice; you must get it in writing to avoid paying exorbitant premium amounts. Car Insurance in Massachusetts may have many offers with discounts, but you must choose wisely.

As a law-abiding citizen, you must follow the state laws and get car insurance. You may find many deals on car insurance policies, but you should opt for decent insurance coverage. Just ensure to avoid the mistakes mentioned above.