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Massachusetts Insurance Facts
Massachusetts has over 4 million insured passenger vehicles and has a population of over 6 million people. Massachusetts has the largest population in New England and is ranked third in population density among the 50 states.
Minimum State Requirements for Massachusetts
State-mandated Maryland liability insurance, uninsured motorist coverage and personal injury protection is needed in order to register your vehicle in Maryland. You must have a minimum of $20,000 per person for bodily injury with a $40,000 per accident, and $15,000 per accident for personal property damage. Uninsured motorist amounts are exactly the same as liability amounts and you must carry this in order to register your vehicle in Maryland, you also must carry PIP, or personal injury protection of $2500 in Maryland.
Noncompliance, State Laws Insurance Massachusetts
In Massachusetts, you must have proven insurance in order to register your vehicle. Your auto insurance company will stamp an application for registration as proof that you have purchased the minimum liability insurance or more. If you're caught without insurance in Massachusetts, not only can you be fined, but you can also lose your license. Massachusetts also has a safe driver insurance program. This means that if you are a safe driver, and do not make insurance claims, do not get traffic tickets, or are not found liable in a traffic accident, your insurance rates can stay low. Massachusetts uses a points system on your driver's record; traffic violations and accidents get awarded points for each infraction. Each point on your driver's record can mean an increase of 15% or more on your insurance premium. Once you have points on your record, nothing can erase them except time and keeping a clean driver's record.
Boston, Springfield, Cambridge and Brockton, Massachusetts Insurance Facts
Boston, Massachusetts is the largest city in New England, with a population of over a half million, and greater Boston metropolis having a population of over 5.8 million. The city of Boston, Massachusetts had almost 5000 vehicles stolen in 2005. This means that antitheft devices, parking in a secured garage, or garaging your vehicle can really make a difference in your insurance premiums. Boston also had 19 deaths in 2004 by vehicle collisions involving 41 people and 27 vehicles. This means that driving defensively during your 28.8 minute commute is a must. You can help keep your insurance premiums low in Boston, Massachusetts by taking a safe driver's course, making sure that all safety features within your vehicle work properly, and purchasing a vehicle that has a high crash test rating.
Springfield, Massachusetts is the third largest city in the state of Massachusetts with a population of just over 150,000 in 2003. Springfield, Massachusetts has a 21.5 minute average commute for its residents. You can help keep driving points off your record by driving safely, taking a defensive driving course, and purchasing a vehicle with a high crash test rating. With over 2300 vehicles stolen in 2005 including the Honda Accord, Honda Civic, Toyota Camry, Jeep Cherokee, Acura Integra and others, you can save money on your insurance premium by purchasing a vehicle that is not on the 10 most stolen list.
Cambridge, Massachusetts is well known for its schools of higher learning, including Harvard University and MIT. In 2000, the Census found the population of just over 100, 000, and is considered the fifth largest city in the state. Considering that this is a college city it's extremely important that you drive defensively as most of the drivers on the road are going to be college students without years of experience of driving. You can take defensive driver's courses, purchase a vehicle with high crash test rating, and make sure that all safety features in your vehicle are operating to help keep you safe on Cambridge Massachusetts roads
Brockton, Massachusetts is the sixth largest city in Massachusetts and has a population of just over 94,000 as of the 2000 census. Brockton, Massachusetts has an average commute of 28.2 minutes, and this means time spent on the road on the daily basis. Keeping your driver record clean, and following state laws by not speeding, making illegal lane changes, and driving defensively can help keep your insurance premiums in Brockton, Massachusetts low.
Automotix Offers Massachusetts People Free Insurance Quotes
Automotix has made it easy for you to increase the values on your insurance premiums, shop wisely for insurance, and compare rates in Massachusetts. Simply enter your personal information, your approximate driver's record, and information concerning the vehicle you'd like to insure. Within a few moments you'll get a variety of quotes from different insurance agencies, which will allow you to choose the lowest premium possible for your driver's record and vehicle
Here are some of the Massachusetts insurance carriers waiting for your business: