Finding the best Boston car insurance carrier can be difficult, especially in a changing market with so many possibilities. From understanding state laws to finding an insurer with good customer service and price, selecting the correct provider is an important decision that can affect both your finances and your peace of mind.
In this tutorial, we’ll show you how to choose the best Boston auto insurance by focusing on the most important factors. If you’re new to Boston or want to transfer providers, this article will help you understand the process and make an informed decision.
Understanding the Boston Auto Insurance Requirements
Before we help you choose the best vehicle insurance provider, it’s important to understand Boston’s minimal auto insurance requirements. These state-mandated coverages form the basis of any policy and are required for all drivers.
Minimum Liability Coverage
Boston law requires all drivers to carry liability insurance to cover any damages or injuries they may cause to others in the event of an accident. The minimal liability coverage covers the following:
The following amounts apply: $30,000 for one person’s injury or death, $60,000 for multiple injuries or deaths, and $15,000 for property damage.
However, it is worth noting that even minimum levels may not cover all costs in a major accident, therefore many drivers choose larger limits to better protect their assets. You may want to include peace of mind services like roadside assistance in your plan.
Additional Coverage Options:
Aside from liability coverage, Boston also requires uninsured motorist coverage and medical payments policy, which can protect you in a collision with an uninsured driver or cover medical expenditures after an accident. These are important coverages to consider while choosing the best Boston car insurance for your needs.
While these are the statutory minimum, it’s also a good idea to look into additional coverages like comprehensive, collision, and roadside assistance, which can give more security for your vehicle and your funds.