Massachusetts Car Insurance Knowledge Base
Progressive is hiking my Massachusetts car insurance rate by 23% this year! Is that normal? My policy is about to come up for renewal and they're going to hike up my rate by 23%! I just talked to their customer service person and she said they're doing it all over Massachusetts. Are all the car insurance companies raising their rates so much in Massachusetts? Was there some law that passed which changed their profit margin or something? Is there another car insurance company that will give me a better deal?
Where can I find non-owners car insurance in Massachusetts? I'm looking to purchase a non-owner's car insurance policy (I live in the Boston area). I do not own my own car, but since I'm still in college and I just moved home, I drive both my parents cars and my brother's car. A non-owners policy would cover me in whichever car I'm driving, and I'm just wondering if anyone could recommend a company in MA that offers this?
Do you need car insurance to rent a car in Massachusetts? I have insurance for my own car but will Hertz rental make me pay for their auto insurance? Can i just say I already have insurance even though I don't know if mine will cover me in case something happens? I have the least amount of coverage you can get in Mass and I use Commerce Insurance.
Massachusetts car insurance? I recently heard that MA IS allowing competition with car insurance companies.. YAY! However, Geico and Allstate still don't provide insurance in the state. Progressive DOES. Does anyone else know of some GOOD, reputable (car) insurance companies in MA? THANKS! :-)
Car insurance rates for massachusetts? I'm a new driver in Massachusetts and I was wondering what the average cost for car insurance is. I read from a place that it would cost about $3,500 and that seemed unreasonably high.
Car insurance in Massachusetts? What happens in the state of Massachusetts if you get pulled over and have no insurance but there is insurance on the car and I'm 17 years of age.
car insurance in massachusetts? im gonna buy a $700(ive checked it out its a good deal, shutup) 1996 honda civic dx(its a first car, i hate hondas but im not rich like half of the assholes that are gonna make fun of me for getting a honda) anyway i live in massachusetts and i know insurance will be a variable but does anyone know how much itll be when i start driving? thanks
Minor citation affecting car insurance (massachusetts)? I accidentally pulled in front of a hearse just before an intersection. There were patrol cars in front of it, for which I pulled over and let pass. I thought there was an emergency, and so pulled out after they had passed. The car I pulled in front of was a hearse, but I couldn't see that it was. An officer stopped me and said I'd get a citation in the mail (though he didn't look at my liscence or registration). I feel bad that I interrupted the procession, but I didn't do it purposefully or willfully; it was a mistake (I've had to ride in a hearse before, I understand). I am just worried about a citation like this appearing on my driving record and affecting my insurance. I don't really undertsand the full consequences of this type of violation. Is this something I could (or should even) contest? Thanks for your help!!
Car insurance in massachusetts? how much does it cost??? i hav a project where i have to buy car insurance for a Mercedes Benz 2010 C300 Sport Sedan...... help.......??
Who has the the best priced car insurance in Massachusetts? Massachusetts residents or those familiar with our crazy rules only. I think I am paying too much with AMICA. $1153, with collision and comprehensive. I'm 25 and drive a 2001 Subaru Legacy sedan. Plain legacy not one of the racing GT ones. My driving record is perfect not so much as a verbal warning or anything. Where can I start to look? My premium is high right? (gieco, esurance, progressive, state farm ect....NOT available in mass) If I fill out a form on one of their sites it says sorry can't help you. And why do I see TV commercials for insurance that isn't available here all the time? -10 points to Cheta K. for not reading the whole question.
I got pulled over for NO CAR INSURANCE IN MASSACHUSETTS!! HELP!? My insurance policy expired and I didnt realize it wasnt renewed until I was pulled over for NO INSURANCE... I didnt have insurance for about two weeks and the registry had also revoked my plates apparently. NOW I have to go to court for a criminal offense for no insurance!!! Ive never even had a speeding ticket or anything EVER! What now???? Am I going to get a fine?? If so how much?? Or what exactly is going to happen from here??? Im freaking out!!!
Car Insurance Rate in Malden, Massachusetts? I got my licensed in Oct 2005 at age 21, and bought a new Camry 2007 in July 2006 . Right now the insurance send me the renew of insurance(ENCOMPASS Insurance) $3108. I wonder is that the lowest rate i can find? * my record is clean , no accident, speeding or red light. *the insurance also cover for my sister, father (czu they got their licensed 2-3yr before me) * The insurance can cover up to 100K, $500 deductible
question about massachusetts car registering laws and why i got a ticket for avoiding insurance premiums? i live in massachusetts but have a new hampshire ID. my father is the primary owner of my car and lives in NH, and im the co-owner. My dad recently got a $500 ticket in the mail from the Police Chief in my massachusetts town for $500 for avoiding taxes and insurance premiums by not registering my car in massachusetts. is there any way to fight this ticket? maybe because my dads the primary owner so it has to stay with NH tags? Maybe i can tell them that im only living in mass for 5 months out of the year (winter) so i primarily live in NH? Any hlp would be appreciated, and if someone comes up with a link to help me better understand what it is/how to fight it, it would help very much, thank you!
Do I need to register my car in Massachusetts? I just moved from New Hampshire to Massachusetts. My car is registered, in New Hampshire, in my dad's name. I make all the payments on the car and the insurance (though I'm on my dad's insurance). Because the car is registered in my father's name do I need to register it in my name in Massachusetts? Or can I continue driving it on it's current registration?
Can you drive your parents' car without insurance in MA? I am 17 and live in massachusetts. My parents have insurance on both of their cars and they get it through a company called "Safety Insurance". I have a junior operators license and I've heard from some that I am covered by their insurance while I've also heard from others that I am not. I'm not sure of the answer or if it varies from insurance company to company. If anyone knows a definite answer, I'd appreciate the help. Thanks!
Will my new car insurance company find out I lied? A unique (perhaps?) situation: I have a Washington State driver's license. I got a speeding ticket two years ago in Massachusetts (and paid it). I was driving someone else's car when I received the ticket. I now live in Connecticut and am about to switch car insurance companies. Given the multiple states I've mentioned above, how likely is it that a CT insurance agent will find out about my fairly recent ticket? Thanks for your help!
How much is car insurance? I may only be 14, but i need to know how much car insurance would be when i turn 16. I live in massachusetts, if that makes a diffrence. So could does anybody kno a round about price of car insurance for a 16 yr. old? I may only be 14, but i need to know how much car insurance would be when i turn 16. I live in massachusetts, if that makes a diffrence. So could does anybody kno a round about price of car insurance for a 16 yr. old? I will be driving a dodge challenger, if that helps.
Registration for New Car in Massachusetts? Do you have to pay off all parking tickets before being able to register a new car in the state of Massachusetts? Or is it just the excise tax? I am currently covered for insurance on my old car ( which I donated to Kars 4 Kids). My new car got towed and the plates taken by the police because of it being insured. I don't know what to do from here. Please provide any helpful feedback. Thanks.
How much would my car insurance be? I'm 21 years old male and I live in NJ. I'm thinking about buying a used car and financing it. I was looking at GEICO website and the quote came out to about $1600/year for 2000 honda S2000. I was wondering if that amount is right. I selected collision and comprehensive coverage along with all the other coverage options. I thought full coverage would be much more expensive like $3000 but that is so low. So I was wondering if that amount is right. (I live in NJ with my uncle and my parents live in massachusetts)
For my situation, what is the best way to minimize my car insurance? ok the situation is like this. my family has two cars. (maxima and accent) I (21years old) use the accent and my parents use the maxima. All three of us are under the same insurance plan. I might sell the accent and buy a used car and pay monthly(financing). so that means the insurance has to be full coverage right? and not liability. (the maxima and the accent are both fully paid and they are under liability right now) So if I buy a used car what is the best way to minimize the insurance cost?...which is a good insurance company? can I be covered under my dad's name or something? my friend said something like that..but I don't know if there is such a thing. by the way my parents live in massachusetts and i live in NJ. what should i do? (don't tell me not to buy a car)
Will this effect my car insurance? I got pulled over and ticketed for an outdated inspection sticker and a light being out. I've been ticketed before, but the ticket was thrown out in court. I was wondering if this will effect my car insurance at all. I live in Massachusetts. I think it counts as a moving violation but i think they let you off on your first offence.
My Massachusetts motor vehicle insurance carrier is terrorizing me, please help.? I was involved in a rear-end motor vehicle accident in Massachsuestts one month ago. The person who crashed into me from behind is from Massachusetts and owns the car that rear-ended my car. Both cars had insurance. The defendant's insurance company has already accepted 100% liability for the accident. The problem, however, is my own insurance company is investigating my claim! I did nothing wrong. My own insurance company recently had me undergo an examination under oath in the office of the law firm that they use to represent them. 'During the examination, the attorney showed my a copy of my criminal record (which had nothing to do with my accident). My question is-----isn't a person's criminal record private? How can an insurance company simply get a person's criminal record when (a) it had nothing to do with the accident and (b) no lawsuit has even been filed. Isn't this an invasion of my privacy since i never consented to them having it, yet, they got a copy of it. Please help
car insurance question? I bought my car on Aug 25 2008. But the policy period on my new policy is from Aug 2 2008 to Aug 2 2009. How can they cover me before I bought my car. Is Safety Insurance of Massachusetts always do business in this sneaky way?
In massachusetts car is totaled can i keep it? Ok I have a car that revently I was in an accident I still haven't claimed yet I was hit by a driver trying to pass me on the right. I've put a lot of work into my car and I think the insurance company will consider it totaled for cosmetic damage because if cost if so and I choose to keep it do I have to re register or inspect it or can I just carry on with my life
Car insurance question? Can you tell me what these terms mean? Bodily Injury to Others ($20,000 per person; $40,000 per accident) and the other one is Personal Injury Protection $8,000? It is a car insurance policy from Massachusetts, USA. Thank you.
will i get a fee for canceling my car insurance policy early? Im a little confused and can use some help! I am in massachusetts and have a car insurance policy that goes from february to february. i got a great quote from another company and want to dump my current one. my insurance agency insists i wont get a fee for cancelling early, but the insurance company itself says that i will get a 10% fee of my total premium for cancelling. I don't want to be unpleasantly surprised with a bill, but im not really sure who is right, and if the insurance company is telling me i have a fee just to scare me out of cancelling. Thanks
I live in Massachusetts. Was in a single car motor vehicle accident in Rhode Island. I was a passenger.? The accident happened about one month ago. Got seriously hurt. The owner of the vehicle I was in lives in Rhode Island, where the car is also Registered and Insured. The insurance policy is a bare minimum policy. I have no household automobile insurance policies and do not own a car. I live in an apartment. I am not on anybody's insurance policy. My question is, "If it becomes necessary, can I file suit against the driver of the motor vehicle and his insurance carrier in Massachusetts.......or must I file suit in Rhode Island where the accident happened, where the defendant lives, and where the defendant's motor vehicle is registered and insured. Please refer me to any Massachusetts and/or Rhode Island statutes that might be helpful. Thank you.
Return of Insurance Deductible. I live in Massachusetts. Was involved in car accident.? My own insur. co. concluded that I was at fault and surcharged me. I appealed the surcharge and was found NOT TO HAVE BEEN MORE THAN 50% at fault for the accident. My insur. co. reversed the surchargable points that was initially assessed against me but refuses to refund my $500 deductible, claiming that they believe I was at fault for the accident (despite the surcharge board of appeals--a higher authority---finding the opposite). So here is my question-- How can my own insur. co. keep my $500 deductible (that should be assessed against me IF I AM FOUND TO BE AT FAULT FOR AN ACCIDENT---when I was found NOT TO BE AT FAULT BY THE SURCHARGE BOARD OF APPEALS----My understanding is I must pay my deductible when I AM AT FAULT!----What good is it to exercise my right of appeal if my own insur. co. can ignore the finding of the appeals board? Please refer to a statute and/or reg. if you can when answering this question. I repeat, I WAS FOUND NOT TO BE AT FAULT.
Massachusetts Car insurance Question HELP!!? I bought a 96 Camaro a few days ago. Im 18 years old and live with my parents. I want to go on my mothers car insurance but I want the title to still be under my name. For me to be on her insurance does the title of the car need to be under my name or her name? Thank you.
I am looking to find cheap Massachusetts Auto Insurance. Can anyone recommend a place? I just moved to Massachusetts from Rhode Island and recently purchased a new car. I need cheap insurance for my car because I am young and don't make a lot of money. Has anyone reading had a good experience with a Massachusetts Auto Insurance Agency? I really would prefer to do this all online instead of on the phone. Websites are welcome! Thanks!
How does car insurance work for new drivers? I am going to test drive my FIRST CAR ever tomorrow....so I just don't understand how the car insurance thing will work...will I have to go get it before I drive off with the car? Btw I live in Boston, Mass. Any advice is appreciated..and I definitely want the cheapest and most basic one since I am tight with money....I will have to get it since Massachusetts forces you to have car insurance.
how much would car insurance for the general be? Okay so i live in Massachusetts, and i just got my liiscence. I am restriced from driving because i dont have insurance and i just got a job so now i can try to get it. My question is if i didnt go to drivers ed, and i got The General, as a new driver, how much a month on avg would it be? thanks!
How do car accidents affect insurance rates? I live in Massachusetts and have Progressive insurance. Over the past three years, I have been involved in 3 at-fault accidents. The dates were: 3/2006, 12/2006, and 12/2009. I know my insurance premiums will rise after my most recent accident. My questions are: How much will they rise? (i.e. What $ amount will I be paying monthly?) and when will the 2006 accidents cease to affect my insurance rates now that it is 2010?
How much do I have to pay for car insurance? I live in Massachusetts, and I will be a part-time driver on my parents' plan until the summer. Then, during the summer, I will be a full time driver. What would be my price for a part-time driver, and what would be my price for a full time driver? I'm looking for a numerical value...as to how much I'll have to pay for the insurance itself on average. (I'm a guy.)
Massachusetts Car Insurance? im a little more than 16 and a half and i want to get a car, its a 2002 subaru 2.5rs, i am a good student with a gpa of a little more than 3.0, How much do you guys think i will be paying for insurance? i live in western Massachusetts
Car insurance question, Massachusetts, USA? I got rear-ended by another car. The insurance company sent us this letter. Can anyone tell me what this means? "If you do not intend to repair your damaged auto, you may choose to cash our check and not repair your auto. In this case, we will reduce the actual cash value of your auto by the amount of our check plus the amount of your deductible."
Out of State car insurance recommendations? I am here on a student visa and was able to get a New Jersey driver's license. Now I still go to school twice a week in NJ, but have moved to Massachusetts. I can't get a MA license because of my student status in NJ. Are there any car insurance agencies that will take an out of state driver's license at a low rate premium?
Why is there no competition amongst Massachusetts car insurance? I have to write a term paper about a state, local, or federal issue and I have decided to write about why massachusetts is the only state in the coutry that will now allow any competition amongst car insurance providers. It's an issue amongst drivers state-wide and Im wondering if someone knows anything about this obscene policy that might help me put this puzzle together. If someone has any sites or just general knowledge that may help me, I would appreciate it.
Travelers Insurance in Massachusetts? I live in Massachusetts; my car insurance is with Travelers Ins. And in my opinion they stink! Any one other than me out there have problems with them? Please let me know? Thank you Thank you for your responses but the question is not “what to do” I have already begun the process of changing companies. The question was “Has any one other than me had problems with this company?
How much will I spend a month when I own a car in Massachusetts? I'm getting a car this month... it'll cost me about 2 grand. But what I want to know is the different fees I'll be paying from month to month. I've heard things about excise tax... and insurance fees... etc. etc. -- What comes out of the wallet on a regular basis?
How long does a DUI stay on a person's insurance in Massachusetts? My brother was in an one car accident and he was arrested for DUI. He agreed to a continuance without a finding and is currently on probation. I was wondering how long the DUI will remain on his insurance and his provisional driving record (From what I was told, a provisional driving record is the driving record anyone can look up and a permanent driving record is a person's driving record that is only accessible by the person and the court system)?
can you get an inspection sticker for an unregistered car? I live in Massachusetts i have a car thats insurance and registration got cancelled two months ago.The car still has the plates on it. The inspection sticker expired last month but i wanted to get a new sticker ,because im selling the car and i want to make sure it passes before i sell it.If i bring it to get inspected or when they take the registration will they know its not insured and registered? And then not inspect it? What do they want the registration for anyways?
Must I have car insurance? I'm thinking about buying a car but cannot afford the insurance. Can I have a car with no insurance? I live in Amherst Massachusetts and not really familiar with the rules over here. Thanks a lot for any respond.
bought used car in Massachusetts can i drive it? i just bought a 96 mustang GT and i was wondering if I'm aloud to drive it. its from a private party i have the title, and bill of sale. i haven't registered it yet but i have heard that if u buy a car, you have like 3 days to drive it then u need to go to your insurance company and then you get another 7 days. does anyone know? i also have a current insurance policy with a car i just sold i also have a current insurance policy with a car i just sold
Can I get CA inspection sticker at out of state car? I live in Massachusetts, but I will go to college at CA for two years. i have a car thats insurance and registration gat Massachusetts. I am going to delivery the car to CA. My question is : Can I get an inspection sticker at CA with Massachusetts registration and license?
Can I get daily or weekly insurance in Massachusetts and where? my insurance was just cancelled and I was pulled over now I have to get insurance before my court date. My car is financed so I have to have it. But I cant find anywhere that can help me get insurance just for a week or so until I can purchase a premium which i was already quoted for but cannot afford right at this moment. I live in Massachusetts so anyone that knows about Massachusetts insurance and can help me please let me know. My court date is soon so im trying to hurry up and find a place that will take me.
Insuring Car in Massachusetts But...? Ok...bought a car 5 months ago in N.C., paid sales tax and insured it there. Moved to Massachusetts and the insurance co. is trying to tell me I have to pay sales tax again ($800). Does anyone know anything about this?? ok...what I have learned so far. Answerer #2 was correct with the Use Tax. However, MA has a reciprocity agreement with N.C., so I will have to pay the difference of 2% (5% in MA, and 3% in N.C.). So...a couple hundred vs. 800+. The tax is assessed at the registry of motor vehicles. I had too call the MA Dept. of Revenue for answers. Now...we'll see what happens at the counter of the RMV.
Best Car Insurance in MA? Hi, i'm wondering if anyone who lives in Massachusetts ( i'm moving to the North Shore) is happy with their current car insurance company or have any recommendations. Thanks very much!
Can I still appeal what happened on my car insurance? During the December Blizzard Massachusetts had my car slid down a hill and hit a curve and they had to total my car.... Now since I was the only driver I am 50% at fault for this accident Anyway a lot of people have been telling to appeal it as an act of god. Problem is I have been too busy trying to get a new car that it went past 30 days from the surcharge notice date and I need to know if I can still appeal this. I am a safe drive and I was going maybe 10 mph down this icy hill when my car slid on the ice...Please any help would be appreciated
Will my road violation ticket affect my insurance? I didn't stop for a school bus when it's lights were flashing, and I got a ticket. I know I have to pay that, but will the ticket affect the price I pay for car insurance? Some tickets don't require you to report them to your insurance agent. Is this one of those. Also, this was in the state of Massachusetts.
Do you have Liberty Mutual car insurance ? Did you know that no matter how new your vehicle is if you go over 99,000 miles they will only pay for used parts on your claim? If they can't get used parts they will pay only for the cheapest brand. We pay for the policy that covers everything and they never told us they only pay for used parts.. Anyone know of a good insurance company for Massachusetts?
Massachusetts Auto Insurance? having just relocated to Ma, Im forced to change my car insurance policy because my big carrier (geico) doesn't carry policies here.. as a matter of fact NONE of the big boys write polocies in mass, that's 21st, independant, stat farm, Allstate, none.. Why is that?
Car Insurance? In Massachusetts what do you think a 16 year old driver would pay for these cars for insurance? 1998 Mitsubishi 3000GT VR 4 >100k miles 1998 Audi A4 1.8 Turbo 4 cyl 100K miles 2001 Ford Taurus SEL v6 40K miles 1999 VW Passat V6 5 speed 95k miles Thanks If you can, just give me an estimated $ amount
If you relocate outside of Massachusetts and register your car in another state, do you need to return plates? I recently moved out of Massachusetts and just put my car on the road in another state. I spoke with my insurance carrier who said I needed to return the plates in person to the DMV and since this was not a possibility, said that I could just destroy the plates or keep them, and I did not have to worry about returning them to the DMV. I just want to make sure this is actually true, as when I moved out of New York State I failed to return my plates and as a result had my license suspended for over two years (the time it took between when I took my car off the road in NY and returned the plates). I did find an address where plates can be mailed but my insurance carrier told me not to mail them because they often get lost in the mail. Does anyone know for certain what the Massachusetts policy is? Thanks in advance!
Help! Inexpensive car insurance?!? I live in massachusetts and i am a 19 yr old. college student with a 3.3 gpa! I need to find a cheap insurance company to cover my car?! Please help me!!
I hit a parked car and my car was totaled...? I live in Massachusetts. The insurance company totaled my car out and the repair estimate was around 2000. The Blue Book Value of my car is around 2500-2700. I would rather keep my car and have it repaired than get a settlement that I'm still waiting on, but I was told that because it was 100 percent at fault accident, that I have no right to ask to keep the car and get the check for repairs. Is this true? Also if I had previously 4 1/2 years of a pefectly clean driving record will that be taken into consideration on how much my insurance will go up? Thanks No i wasn't drunk it was just a stupid mistake. I was driving down a narrow one way and was fumbling around for cds in the car and I sideswiped the car on the side, goin around 20-25. Visually it was barely noticeable that I even had an accident aside from some paint scrapes which is why i was shocked when it got totaled but they said the alignment was completely off and that some bolt needed to fix it was gonna be 900 alone. Thanks for all the answers. I'm still waiting for the settlement but taking the advice here I'll just go for a new car.
I was at work and I scratched the bumper of a car. Am I liable and does it go on my insurance? I live in MA? I drive a rented Ryder truck while at work and I live in Massachusetts. I'm not sure that the truck being a rental makes a difference. I was wondering if the accident counts toward my record and/or if my insurance has to pay for it. I assume it is the company's insurance that covers it but I was unaware if my insurance rate would rise on my personal account. There was no police report filed as far as I know. The damage was really minor and the guy was really nice about it. I work for a good company so I know they have insurance and I am confident that they are fully covered.
Massachusetts auto insurance question? If I let a friend or relative borrow my car and it gets into an accident, whose responsible from there? Me who owns the vehicle or the person borrowing my car?
Hit parked car in Massachusetts, no note, but have license plate? While backing up I hit a parked car in a small open parking lot (for many small stores). I parked and checked damage. None to mine, but visible dent to the other car (no paint loss, but pushed in, maybe a few hundred to fix?). I didn't have any pen or paper to leave a note, and waited but didn't see anyone, so I got the license plate # and called my insurance company, but as it's Sunday, they aren't open. When I went back to parking lot after getting paper and pen, the other car was gone. Will I be in trouble? I'm new to Massachusetts (don't know their hit and run laws), I've never hit a car before and was trying to report it and will do so on Monday when insurance is open, but what are the penalties? Can I just hypothetically ask my insurance company to look up the license plate so I can contact that driver after the fact?
Car insurance cost in CA? I just moved to Los Angeles county from Massachusetts. I have a 2002 Mercedes c230 that I brought with me. I used to pay $850/yr. for full coverage on it in MA. I have been looking around and getting quotes online for $900+ for 6 months here! I am a 25 yr old single, and I also have a perfect driving record. Is all insurance rediculously priced here?, or am i just looking in the wrong place? ( I've looked at GEICO, progressive, other nationwide online companys) thanks for any help.
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