Reader’s Question:

Why are automobile insurance rates in Massachusetts higher than Rhode Island’s?

Brooke

Boston, Massachusetts

The State of Massachusetts strictly adheres to the no-fault act. Massachusetts’ financial responsibility laws require all its resident drivers to have no-fault insurance or Personal Injury Protection (PIP). Beyond PIP, the state makes it compulsory for all its motorists to have minimum liability and uninsured motorist insurance, as well. Meanwhile, the State of Rhode Island only has the requirement of uninsured motorist and minimum liability insurance for its drivers. This may explain why automobile insurance rates in Massachusetts are slightly higher that its neighbor Rhode Island.

Most Massachusetts residents end up paying high insurance premiums even if they have had clean driving records because of lack of necessary information. Most think that they just need to accept these rates that their companies charge them. This should not be the case as there are other legitimate automobile insurance companies out there looking out for your best interest. Start visiting websites of accredited insurance companies in Massachusetts. The discounts that auto insurance companies are capable of offering are not usually advertised. It’s really up to you to inquire after them.

Having a good driving record is always a sure way to be eligible for discounts. Buying other policies such as homeowner’s or renter’s insurance from the same company you bought your car insurance from might qualify you to receive multiple policy discounts. Don’t hesitate to talk to your Massachusetts insurance agent about these things. You’ll be surprised at how much you may save in the future.

Tags: auto insurance premium, Car Insurance Company, Car insurance discounts, no-fault