Car insurance in Brockton is more expensive than the state average, which is $1,223 per year for full coverage and $510 for minimum coverage. Bay State drivers pay less for car insurance than the national average. In comparison, the average annual cost of car insurance in the United States is $1,674 for full coverage.
Several factors influence auto insurance rates, including your age, driving history, and the insurance company.
Each of the cheapest car insurance companies in Massachusetts has benefits and drawbacks. When looking for insurance companies, it is critical to compare providers based on criteria other than price.
Consider Allstate or Amica, for example, if you intend to customise your policy with endorsements. Both companies offer a variety of add-ons. If you value excellent customer service, consider Amica or Progressive, both of which have high J.D. Power satisfaction ratings. All four insurers on our list provide a wide range of discounts, but you must compare them because the savings offered vary.
Insurance requirements in Brockton
Every registered vehicle in Massachusetts is required to have auto insurance. Personal liability insurance, uninsured motorist coverage, and Personal Injury Protection are required in Massachusetts (PIP). The following are the minimum coverage limits:
Each person is liable for $20,000 in bodily harm.
bodily injury liability of $40,000 per accident
$5,000 in property damage liability in the event of a car accident
Uninsured motorist bodily injury of $20,000 per person
Uninsured motorist bodily injury per accident is worth $40,000
PIP coverage is $8,000 per person and accident.
In most cases, the cheapest car insurance rates are obtained by purchasing a policy with the bare minimum of coverage. However, insurance professionals advise that most drivers carry more coverage than the minimum required limits. There is no guarantee that a policy with the bare minimum of coverage will cover your legal and financial liability if you hit another driver. If your insurer does not fully cover your losses, you must pay the difference out of pocket.
Minimum coverage also excludes coverage for your vehicle in the event it is damaged. You should think about purchasing optional collision and comprehensive coverage to help pay for your vehicle's repairs. Your lender may require comprehensive and collision coverage if you lease or finance your vehicle.
Brockton auto insurance discounts
Most car insurance companies in Massachusetts provide discounts. The specific savings will vary depending on the insurer, but common discounts include:
Good student discount: Students in high school and college who maintain a B average or higher are usually eligible for a discount.
Multi-policy discount: Drivers who purchase a car and a home, renters, condo, umbrella, or life insurance policy from the same insurance company can usually qualify for a significant bundle discount.
Defensive driving course discount: If you complete an approved defensive driving course, some insurance companies will give you a lower rate.
Claim-free discount: Drivers who have not filed an insurance claim in the last few years may be eligible for a claim-free discount.
While car insurance discounts can help you save money, the actual savings potential is determined by the insurance company. Bundling policies, for example, can save you up to 30 percent with Amica, but the average savings with Progressive is 5 percent. When comparing providers, keep in mind the potential savings for all discounts you may be eligible for.
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