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Auto Insurance Liability Coverage Massachusetts

Auto insurance liability coverage is mandated in most states and the penalties can be high for drivers who don't carry this minimum coverage. If you happen to live in one of the few states that do not require liability coverage, you're not off the hook, though, because you are still required to provide proof of financial responsibility. In other words, you have to prove you have the funds to cover any claims arising from an accident in which you are at fault. Since these claims are often thousands of dollars, many people in those states elect auto insurance liability coverage. In the following paragraphs, we'll discuss liability insurance, what it covers, and how much it costs.

1. Local Companies

2. What does Liability Insurance Cover?

3. How much does Liability Insurance Cost?

4. How is the Premium for Liability Insurance Computed?

5. Featured Local Company

1 . Local Companies

AAA Southern New England
(781) 871-5880
900 Hingham Street
Rockland, MA

Sullivan Insurance & Financial
978-372-2790
487 Groveland Street
Haverhill, MA

Chase & Lunt Insurance
978-462-4434
47 State Street
Newburyport, MA

Sullivan Insurance & Financial
(978) 372-2790
487 Groveland Street
Haverhill, MA

O'Connor & Co. Insurance Agency, Inc
508-943-3333
16 Village St po 1458 Dudley, MA 01571
See Above, MA

Cote Insurance Agency
508-324-0700
511 Newton St
Fall River, MA

MassDrive.com
877-556-3984
Ten Post Office Square, 8th floor south
Boston, MA

West Boylston Ins Agcy Inc
(508) 835-3877
12 W Boylston St Ste 1
West Boylston, MA

Kaplan Simon Ins Agcy
(617) 965-3158
345 Boylston St
Newton, MA

Clifford R Larson Insurance Agency Inc
(781) 646-9200
1343 Massachusetts Ave
Arlington, MA

2 . What does Liability Insurance Cover?

Auto insurance Liability Coverage is comprised of two parts: bodily injury liability and property damage liability. Every state that does require liability insurance requires both types, with the exception of Florida, which doesn't require that drivers carry the bodily injury liability coverage. The amount of each type of insurance required differs from state to state so you will want to check your state's minimum requirements and take that into consideration.

Liability insurance does not cover your vehicle or property in the case of an accident. It also won't cover any injuries sustained by you or your passengers. This insurance is strictly in place to cover damages and injuries to the other party by the driver who is at fault. Of course, if you are injured or your vehicle or property is damaged due to the fault of another driver, his or her liability insurance would have to pay for the damages

3 . How much does Liability Insurance Cost?

Auto Insurance Liability Coverage can cost as little as $50 a month or it can cost hundreds of dollars per month, depending on several factors. Your driving record and your age are two of the most important criteria taken into consideration when your premiums are being figured. The car you drive also has a bearing, of course, so be sure to think about the cost of insurance before you purchase a new or even a used car.

State laws vary, so the same amount of liability coverage in one state may cost more or less in another state, depending on several factors. Fortunately, auto insurance is a competitive market so it really does pay for the consumer to comparison shop before taking out an auto insurance policy. There are many insurance companies that will give you a quote over the phone and some will even give you an online quote so it is easier than ever before to comparison shop for liability coverage.

4 . How is the Premium for Liability Insurance Computed?

There are many factors that will determine how much your auto insurance liability coverage will cost you. You can have a hand in controlling some of these risk factors, such as your driving record and what kind of car you drive, but others, such as your age and gender obviously will either work for you or against you. You should always be aware of all the risk factors insurance companies take into consideration, though, so you can do as much as you can to keep costs down.

For example, it's common knowledge that auto insurance costs more for a teen-ager than it does for someone in their thirties, but not everyone realizes that drivers older than 55 can get a break on their insurance premiums. By being aware of all the risk factors that have a hand in determining your car insurance premiums, you can contact your insurance agent or insurance company to let them know of changes in your life that might reduce your premiums.

It is also important to find out the cost of liability insurance before you purchase a car as some cars cost far more to insure than others. While it is common knowledge that sports cars cost more to insure than most cars, many people do not realize that cars that have a high rate of theft also cost more to insure. Before you buy a new car, check to see which vehicles were stolen the most in your state the previous year as owning one of those cars can increase your insurance premiums.

5 . Featured Local Company

AAA Southern New England

(781) 871-5880
900 Hingham Street
Rockland, MA
When you hear the name AAA, the first thing that comes to mind is probably maps and emergency road service, two of the cornerstones of our organization. But these days AAA is known for much more - assisting people in many facets of their lives, including travel and lodging; auto buying, leasing, renting, and repair; financial services such as loans and credit cards; and insurance needs.

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Related Local Event

New England International Auto Show
Dates: 12/2/2009 - 12/6/2009
Location: Boston Convention & Exhibition Center
Boston, MA
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Business Services	Fashion	Industrial Goods & Services	Retail & Consumer Services
Career	Financial Services	Insurance	Software
Cars	Food & Beverage	Internet	Technology
Computer Hardware	Franchise	Legal	Telecommunications
Construction	Health	Miscellaneous	Trade Shows
Education	Holidays	Nightlife	Travel
Entertainment	Home Appliances	Online Database	Weddings
Environmental	Home Electronics	Pets	World History