Insuring your car, truck, or Sports Utility Vehicle in the Commonwealth of Massachusetts can be confusing to say the least. There are a great deal of requirements and options to choose from.  You need to ensure that you are making the best choices that will protect yourself and your assets in case of an accident. That is why it is so important to work with an insurance agency that not only takes the time and effort to explain everything to you properly, but also fully understands your needs. For example, you don’t want to pay too much money for the policy, but you also need to make sure that the proper coverage is in place.

Otherwise you may end up going out of pocket if you are at fault, and that can add up to tens of not hundreds of thousands of dollars. Before speaking with your insurance agent, it is always a good idea to have a general understanding of the things that determine the auto insurance rates in MA. It all starts with your age. The bottom line here is that young drives pay more for auto insurance. Although that may not seem fair, it actually makes a lot of sense. Young drivers have far less experience. That means they are far more likely to get into a car accident. The more likely you are to get into a car accident, the higher your insurance rate will be.

The same holds true for senior citizens. Although they may have years of driving experience, their auto insurance rates in MA go up because they’re more likely to get into an accident based on slower reflexes. Typically speaking, your auto insurance rates in MA will begin to go down at 25 years of age and go up at 65 years of age. The next factor that helps to determine the auto insurance rates in MA is the age, make, and model of your car. Certain automobiles are less expensive to insure than others. The car’s safety rating comes into play here, meaning the safer the car, the less it will cost to insure.

However, cars that have a high rate of being stolen are more expensive to insure. Full sized Ford pickup trucks, and Honda Accords top the list of automobiles that are stolen the most. If you have been at fault in a car accident, or have traffic violations on your driving record, your auto insurance rates in MA will increase. In some cases the rate will increase significantly. This is due to the fact that the insurance companies consider you to be a higher risk.

If you own or operate an automobile in the Commonwealth of Massachusetts you need to ensure that you have the proper insurance policy in place. Please consult with a professional insurance agent that specializes in providing automobile related insurance policies. It is important to fully understand exactly what you are buying when it comes to insurance policies. If you have any questions, please call (508) 831-0133 to contact an associate at Zawada Insurance. We are happy to walk you through the details of your insurance policies and explain your coverage options. We look forward to helping you with all of your personal and or business related insurance needs now and in the future.