The auto insurance market has changed dramatically in Massachusetts over the past year. Like many consumers, you likely have lots of questions. Here are some frequently asked questions about Massachusetts Auto Insurance you may find useful:

1. In what ways did auto insurance in Massachusetts change last year?

   Most notably, Massachusetts has allowed for managed competition to be introduced to the auto insurance market in the commonwealth. Prior to this change in law, Massachusetts auto insurance rates were essentially the same with all companies whether you shopped with multiple agents or called the carriers direct. Today, consumers in Massachusetts can choose from a variety of different insurance companies, research the best price and policy for their unique situation, and chose whether or not to buy through an insurance agent or directly from insurance carriers.

2. What does competition mean for me?

   Mainly, more competitive prices and more choice. Before competition was introduced in Massachusetts, prices for insurance were more or less fixed. Those days have drawn to a close, as consumers can now shop around for the best price. Plus, consumers in Massachusetts can now shop for automobile insurance with different pricing from insurance companies, which was not allowed before managed competition was introduced. In Massachusetts, companies and agents can now be more innovative with discounts and coverage enhancements.

   Mandatory minimum coverage is still mandated by Massachusetts law.

3. I've had an auto insurance agent for many years. Can I still buy from my him/her?

   Absolutely. Your insurance agent can still sell you insurance and you could continue to use your agent as a resource, should you so choose. But, your agent is no longer the only game in town. As a resident of Massachusetts, you now have choice in auto insurance carriers and whether or not you wish to use an agent. Keep in mind that very few agents represent more than a handful of insurance companies, and therefore can't present to you a truly competitive look at your options. Even if you want to continue to buy insurance through your agent, make sure you do your own independent auto insurance research to ensure you're getting a great price on your policy. We recommend that you get a quote from us here at MassDrive.com today!

4. How do I know what carrier to pick?

   That's entirely up to you as a consumer, and that's what makes competition such a great thing for you. You can actually shop for auto insurance here in Massachusetts as a Massachusetts resident, and pick a carrier based upon who is offering you the best deal, discounts, and coverage. In addition, you should consider the carrier's financial strength and rating when buying car insurance in Massachusetts.

5. What types of coverage are best for me?

   There are a few key questions that all Massachusetts drivers should answer before evaluating what types of coverage are best for their particular situation. Do you own your own home? Do you have any children and if so, are they of legal driving age? How many assets do you have? What's your past driving record? Answering these questions can help you choose what coverage is best for you - check out sites such as MassDrive.com to compare and buy Massachusetts Auto Insurance and see how these answers can affect your policy, carrier, and price.

   The standard Auto Insurance policy in Massachusetts includes the minimum compulsory limits below. However, it is best to consider your exposure or consult with an insurance professional about your specific needs, as there are multiple options to increase coverage and gain greater protection.

   • Bodily Injury to Others with a mandatory limit of $20,000 per person and $40,000 per accident
   • Personal Injury Protection (PIP), with a mandatory limit of $8,000
   • Bodily Injury Caused by an Uninsured Auto, with a mandatory limit of $20,000 per person and $40,000 per accident
   • Property Damage, with a mandatory limit of $5,000

6. How do I know I'm getting the best deal?

   The best way to know that you're getting a good deal on Massachusetts auto insurance is to research! Research all the different Massachusetts auto insurance options and make the best decision based upon price and coverage.

7. What insurance companies have a positive track record here in Massachusetts?

   Lots of insurance companies have positive track records for Massachusetts auto insurance. There are a few resources that are available to help you find more information about the financial strength of those insurance carriers who offer policies in Massachusetts. Visit the A.M. Best Ratings Center and JD Power to conduct your own research. You can also check out blogs that cover the Massachusetts Auto Insurance market, like MassDriver.org.

8. Can I get discounts? How do I know if they're available to me?

   Of course, depending on your situation. Check out our comparison engine at MassDrive.com today!