Cheap Car Insurance Quotes Massachusetts – MA
Insurance is one of the top annual expenses for people all over the country. Between health, dental, car, life and home insurance, it is not uncommon to spend well over $10,000 every year just on insurance policies. This article is going to teach you about the best the best discounts on insurance that are currently available in Massachusetts.
In 1925, along with Connecticut, Massachusetts became one of the first two states to make it mandatory to have car insurance on any car that you take on the road. While many Massachusetts drivers may have been angry about it back then, their grandchildren are very thankful for it now. Auto insurance companies have been flocking to Massachusetts for nearly a century now and that is good new for all Bay State drivers.
The competition between car insurance companies has led to Massachusetts drivers getting the best value for their auto insurance policies that they ever have received. Not only are overall prices cheaper, but there are new policies implemented that can give you an even further discount on your insurance. Massachusetts auto policy companies have recently made drastic improvements to both their accident forgiveness and disappearing deducible programs.
In Massachusetts, most disappearing deductible programs will give you about two hundred dollars to begin with every year. If you get in an accident and have to pay $1,000 in damages, you will only have to pay $800 for it. This does not mean that if you don’t get in an accident you are missing out on free money. Every year that you don’t use your disappearing deductible, some or all of it will transfer with you to the next year. If you don’t get in an accident for a decade and then get into one, it may not end up costing you a thing.
With the accident forgiveness programs in Massachusetts, you don’t have to worry about paying crazy high insurance policies for the rest of your life if you get into one accident. Massachusetts used to be very strict on these policies and they were hard for most drivers to obtain. Due to the competition in the state between auto insurance companies, it is now much easier to get affordable car insurance quotes through the use of an accident forgiveness policy.
The state of Massachusetts has a government employed agency that works to provide insurance to those who are not able to get insurance from private companies for whatever reason that may be. Typically, the insurance bought through them will be more expensive than your average policy, since there is a reason that the person paying for the insurance was not able to get a policy with another company.
This may sound like it is bad for insurance owners, but the truth is that it does much more good than harm. Let’s say you are not able to get insurance from a private company on your house and your house burns down. In many states, you would be out of a house and out of luck. In Massachusetts, thanks to their government employed agency, you will be able to get insurance on your home no matter what.
Now, your house probably won’t burn down and you may be stuck paying a large insurance bill every month. However, the high costs will not last forever. Usually after a few years of using the government insurance on your car, home, or anything else, you can then go to a private company and get a new policy without any problems. Private insurance companies are educated about the Mass insurance program and if they see that you have successfully been paying an expensive policy for a few year, they will gladly offer you a cheaper policy to gain you as a customer.
Massachusetts may be an expensive state to live in, but they do take car of their residents. With great discounts on car insurance policies and the guarantee that everyone is always eligible for insurance, the state makes sure their citizens are taken care of.