In Massachusetts, the basic automobile insurance rates for each calender year are set by the Division of Insurance. Therefore automobile insurance rates in Massachusetts are basically non-competitive. These rates apply to all new and renewal policies that begin in that year and are the results of hearings held with insurance carriers, consumer groups, and independent agents the preceding fall.

Automobile insurance is mandatory in Massachusetts, so you must see your insurance agent first before you can register a vehicle. A policy is effective for one year in Massachusetts, not six months as in many other states. The exact amount paid for insurance by any policyholder will depend upon several factors:

• The number of years of driving experience for all operators listed on the policy;
  
• The driving record for all operators listed on the policy, as defined by the SDIP;
  
• The specific year, make, and model of the vehicle being insured;
  
• The town in which the vehicle is being garaged;
  
• The actual coverages selected.

Various discounts are also available, as set forth by the Division of Insurance; these include discounts for having a good driving record, anti-theft devices, low mileage, air bags or automatic seat belts, senior citizens, multiple vehicles insured with the same carrier, and the use of public transit for commuting. Let's not forget at The Robert L. Summers Insurance Agency you can save with the AAA Member Discount.

Unlike some other states, in which the insurance companies charge a much higher rate for operators under a specific age, the Massachusetts rates are based on the number of years of driving experience. Operators with less that 3 years of experience pay the highest rates (regardless of age); operators with more than 6 years of experience pay the lowest.

NOTE: In response to a common misconception, red cars cost no more to insure than the same car of any other color.

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If at any time you have a question, need help or would like to see how much it would cost to insure your belongings with The R.L. Summers Insurance Agency, feel free to Get a Quote by calling 617-542-8432 or by clicking here to submit your contact information to us so we can service you.

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Massachusetts Auto Insurance Information on Massachusetts Auto Insurance 05/17/2009 08:45 AM Personal Umbrella An umbrella policy is designed to protect you in the event of a major loss. It is an “excess liability” policy which provides additional limits of liability insurance over and above your underlying policies i.e. Massachusetts homeowners Insurance or Massachusetts auto insurance. They typically start at $1 million and can run up to $10 million or more. If you think they’re just for rich people, you might want to reconsider. It’s not that difficult to imagine getting into an auto accident and having the unfortunate circumstances of hitting a carload of people. The damages could easily top $1 million dollars. The umbrella policy pays damages for bodily injury, property damage or personal injury for which the insured is legally responsible. There are certain underlying and underwriting requirements needed in order to obtain the policy. First, you must carry specified limits on your underlying policies. For example, most insurance carriers would want you to maintain $250,000/$500,000 on your auto policy for “bodily injury to others” and $300,000 liability on your homeowner’s policy. You must also have a safe driving record and a good loss history. The cost may surprise you as they generally start at $225.00 per year for $ 1 million of coverage. Ideally, you’ll never need the coverage but if you do, you’ll be happy for the coverage. This information was brought to you by the Robert L. Summers Insurance Agency (617-542-8432) in Boston, Massachusetts. The Robert L. Summers Insurance Agency sells Massachusetts Auto Insurance as well as Massachusetts Homeowners Insurance. This information is advisory in nature. No liability is assumed by reason of the information in this document. 03/09/2009 09:06 AM Massachusetts Auto Insurance Policy The Massachusetts auto Insurance policy consists of 12 parts with Parts 1-4 being mandatory. You may or may not need each part of the policy depending on your driving habits, age of the vehicle and other considerations. In addition to the parts of the policy you carry, you must consider what limits to carry for each part. For example, Part 5 (Optional Bodily Injury to Others) covers you up to a specified limit (your choice) for injures you may be legally responsible to pay for an at fault accident. The limits obviously depend on what you can afford and what you’d feel comfortable with in the event of an accident. The coverage’s you initially choose may or may not be adequate with each passing year as vehicles, drivers and conditions change. It’s always a good idea to review your policy with a licensed agent every year or sooner if conditions change. On April 1, 2008 Massachusetts switched from a “non competitive” rate setting state to a “managed competition” process. You need to be sure when you are shopping around for an auto policy that you are comparing like kind policies. Be sure to match the parts of the policy and the limits for each part to get a fair evaluation from. This information was brought to you by the Robert L. Summers Insurance Agency (617-542-8432) in Boston, Massachusetts. The Robert L. Summers Insurance Agency sells Massachusetts Auto Insurance as well as Massachusetts Homeowners Insurance. This information is advisory in nature. No liability is assumed by reason of the information in this document. 03/08/2009 06:08 AM Shopping for Massachusetts Auto Insurance Competitive rates came to Massachusetts Auto Insurance on April 1, 2008. In order to be sure you have chosen the best option for your particular situation, you need to shop wisely. First, determine what coverage parts you want and what limits you need for each part of the policy. Then get quotes for those exact specifications from several companies. You have to be sure that each company is quoting with the same criteria. Although price is a major consideration, it’s not the only factor in deciding where to place your business. You might want to consider the financial strength of the company (A rated companies). You should consider their reputation for handling claims or how long they have been writing Massachusetts Auto Insurance. You should also consider your relationship with your current agent. If you have a good relationship with your agent and he/she has met your needs, it might not be worth saving a few dollars to find another carrier. It’s good to shop around but ultimately you must decide what factors are most important to you. This information was brought to you by the Robert L. Summers Insurance Agency (617-542-8432) in Boston, Massachusetts. The Robert L. Summers Insurance Agency sells Massachusetts Auto Insurance as well as Massachusetts Homeowners Insurance. This information is advisory in nature. No liability is assumed by reason of the information in this document. 02/07/2009 12:45 PM Massachusetts Auto Insurance Discounts Are you aware of the many discounts offered for Massachusetts auto insurance? Every company in Massachusetts must offer “mandatory” discounts which would include anti-theft devices, passive restraints, multiple cars and age 65 or older drivers. There are also many optional discounts including: Low mileage. Public transit Driver Training Group associations Multiple policies with the same carrier With the advent of competitive rating being established in Massachusetts effective April 1, 2008 it makes sense to review your policy with your agent to be sure you’re taking advantage of all your available savings. This information was brought to you by the Robert L. Summers Insurance Agency in Boston, Massachusetts http://www.rlsummers.com. The Robert L. Summers Insurance Agency sells Massachusetts Auto Insurance. This information was brought to you by the Robert L. Summers Insurance Agency (617-542-8432) in Boston, Massachusetts. The Robert L. Summers Insurance Agency sells Massachusetts Auto Insurance as well as Massachusetts Homeowners Insurance. This information is advisory in nature. No liability is assumed by reason of the information in this document. Insurance: Car Auto Articles from EzineArticles.com EzineArticles.com - Trusted By Millions as The Source For Quality Original Articles 07/04/2009 08:22 AM Three of History's Most Famous Auto Insurance Myths A look at the facts behind the fiction of three of the auto insurance industry's most popular myths. What would you say if we told you you'd been lied to for most of your life? No, you didn't click the wrong page and land on a government conspiracy website. We're not that bad! 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It is best to cover your basics at a bare minimum, but there are other kinds of international car insurance coverage available to those driving on foreign roads. 06/30/2009 09:27 AM Fronting - A Classified Fraud It has been revealed by a number of the top UK car insurance companies that as of late, the number of motorists breaking the law by fronting on their motor insurance has risen quite dramatically in order to save themselves money. 'Fronting' is illegal and a classified fraud which occurs when a young driver has a car in their own name, but however has told the insurer a lie that a parent is the main driver. 06/30/2009 09:05 AM Save Money When You Purchase Overseas Driving Insurance International travel is huge business these days and there are more vehicle rental businesses sprouting up all across the globe than ever before. People want the independence that being able to drive while visiting a foreign country affords them. Instead of relying on slow or possibly uncomfortable public transit, drivers are choosing to rent a vehicle and drive themselves exactly where they want to go. The only downside of this is that you must ensure that you have the correct overseas driving insurance that allows you to take advantage of this situation. 06/30/2009 09:04 AM Facts About Comprehensive Overseas Car Insurance No matter where you travel in the world today you will want security. These days no one would consider travelling without quality overseas car insurance, but exactly what should you look for when you consider what style of coverage you would like from your chosen insurance provider? It is not always easy to decipher the benefits and drawbacks to each form of coverage, but let's focus on one type that could be beneficial to nearly any driver visiting any country in the world. 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