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MA requires Bodily Injury to Others (20/40), PIP ($8k), Uninsured Motorist BI (20/40), and Property Damage ($5k).
They use factors like driving experience, accident/violation history, vehicle type, and garaging location. Sex, marital status, race, education, and credit info are prohibited factors.
Shop around and compare quotes via EasyCarQuotes. Ask about discounts (online purchase, bundling, safe driver programs). Maintain a clean driving record. Consider higher deductibles.
Yes, your policy must list all licensed drivers living in your household related by blood, marriage, or adoption, even if they have their own insurance.
The insurance company will pay the 'actual cash value' (ACV) of the vehicle just before the accident, not the replacement cost. ACV considers retail value, price paid, and improvements.
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