Both comprehensive coverage and collision coverage insure your car, but they cover different events. Comprehensive insurance coverage covers damage caused by events that are considered beyond your control, such as theft, vandalism, animal hits, broken windows, fires, and weather-related incidents (for example, how much more depends on many factors, such as the year, make and model of the vehicle you want to protect, in addition to the car insurance deductible you choose, the cost of comprehensive and collision coverage will decrease if you choose a higher deductible). Progressive also offers many opportunities for its customers to customize their auto insurance policy. Your car insurance premium is the amount of money you pay to your auto insurance company in exchange for coverage.
Insurers consider many factors when pricing your car policy, such as your age, driving history, location, and type of car. While you don't need to memorize the state's minimum limits, understanding Massachusetts car insurance laws could help you decide if you need higher limits or additional types of coverage. Massachusetts's minimum car insurance requirements mean that vehicle owners in this state must have at least the minimum state coverage limits for their vehicles, which include certain levels of liability for bodily injuries, liability for property damage, bodily injuries from uninsured motorists, and personal injury protection (PIP), since Massachusetts is a no-fault state. With these differences in mind, the following considerations can help you find the right car insurance provider for your needs.
In most cases, when an insurance company, agent, or lender refers to full-coverage car insurance, they are generally referring to all risks and collisions, in addition to any other coverage required by their state. However, the factors affecting your car insurance are specific to you, so your individual rates are likely to be different from these averages. If you work for a transportation network company like Uber or Lyft, you might want to review your insurance needs with your prospective auto insurance company. We take into account each company's average car insurance premiums, third-party customer service ratings, financial strength ratings, and other factors.
If you're not sure how much insurance you need, a licensed insurance agent can help you through the process. For that reason, the cheapest car insurance in Massachusetts depends on your individual characteristics and how each company weighs them.