I got a discount on insurance when I went through drivers ed, but this was 10 years ago, and i had just the minimum coverage by law in Mass.Also,your age has something to do with it.with driver training and being 19 at the time,I was a step 14.hope this helps you out a bit.
Drivers who are searching for cheap car insurance in Massachusetts have a number of benefits that are not available in other states. At the same time, drivers might also find that rates are higher than average in certain parts of the state because of historical and financial factors. Finding cheap car insurance in Massachusetts can be made much easier if a driver understands some of the discounts and other factors that insurance companies in the state will consider when determining the price of a policy. The first thing a driver in Massachusetts should understand about auto insurance is that it is partially controlled by the state through the Managed Competition program. This program provides a series of discounts that all insurance providers in the state must honor. These are mostly simple discounts that look at the age of a driver and the safety features of a vehicle. Optional discounts that are suggested by the state are implemented by many insurance providers even though they are not mandatory. Drivers in Massachusetts who are consistently denied car insurance by commercial providers can turn to the Massachusetts Auto Insurance Program (MAIP) for cheap coverage. This program is available for nearly all drivers in the state who cannot find insurance independently. The program connects a driver with an existing commercial insurer under the supervision of the state. Drivers who cannot hold a driver's license or drivers who have failed to pay previous insurance premiums cannot enroll in the MAIP program. Drivers who are able to find insurance on their own are also not eligible. The car insurance market in Massachusetts is fairly unique because the state has largely deregulated the industry. This has caused more insurance companies to work in the state because they are free to compete in an open market. The lack of regulations means that insurers are able to create and sell specific insurance products that are targeted to certain types of drivers without having to meet all of the insurance regulations that were previously in effect. This makes basic auto insurance rates lower. The policies still meet the state regulations for liability coverage and for mandatory personal injury protection, but can employ a variety of other mechanisms to give drivers better and more comprehensive coverage for less money. This combination of factors has made finding cheap car insurance in Massachusetts an easy and mostly transparent process.
Massachusetts has been struggling with high car insurance rates for many years. For a period of time, auto insurance rates in the state were set by a government department that was dedicated to dealing with insurance. More recently, however, Massachusetts has implemented a system for auto insurance known as Managed Competition. This program partially deregulated auto insurance in the state while allowing the government to retain control over certain areas that contribute to the price of auto insurance. Since Managed Competition was implemented, the cost of car insurance through most of the state has dropped. Additionally, more auto insurance providers arrived in Massachusetts to give drivers more options for coverage. Although there has been some criticism of the Managed Competition program, most residents have benefited from the changes. Drivers who are considered a high risk have benefited greatly from Managed Competition. These drivers were usually only able to find insurance through the state run Massachusetts Auto Insurance Program (MAIP). MAIP provided insurance to people who could not acquire a policy elsewhere. Managed Competition creates an environment where commercial insurers are more willing to accept drivers who are considered a high risk. This benefits the state as well as the individual drivers who can begin to rebuild their damaged driving history with a commercial company. Managed competition affects auto insurance rates by mandating that insurance companies provide a set number of discounts that are regulated by the state. These discounts cover senior citizens, cars with anti-theft devices and drivers who only travel within a limited area. Some discounts also reduce premiums for vehicles that are equipped with passive restraint devices like air bags. A number of optional discounts can be applied as well. These are given for completing training classes, owning multiple vehicles and taking public transportation instead of driving. These mandatory and optional discounts are adjusted regularly by the state to ensure that policy rates are affordable. Drivers who are looking for car insurance in Massachusetts automatically benefit from the Managed Competition system. Rates still tend to be higher in Boston despite the incentives and regulations. Unlike some states, Massachusetts maintains the government run MAIP insurance plan so that drivers who have had many accidents or who have accrued more than 10 points on a license can continue to have insurance.
Yes, if they run your information through the interstate system. When you apply for auto insurance, the insurance company checks your driving history via your name/dob/social security/drivers license number. The insurance company can see tickets/accidents recorded in other states and will base your insurance rate upon your driving history. If you have a drivers license in two different states, you are committing a crime in at least one state.
Auto insurance prices for young drivers are based on many factors. Is the driver a male or female, does the driver have good grades, does the driver live in a city or out in a rural area. All of these are factors in determining insurance rates. For the lowest cost, a young driver would probably do best to try to get insurance through their parent's insurance bundle.
Usually cars are insured for that specific vehicle. Clauses in the policy will detail the coverage of other drivers and any exclusions such as age or license requirements etc. If you have the drivers permission you are usually covered so long as you meet these clauses. To get insurance that covers any car you personally drive you will have to contact the insurance companies to go through what you require.
Liberty Mutual was founded in 1912 as the Massachusetts Employees' Insurance Association (MEIA), following passage of a Massachusetts state law requiring employers to protect their employees with workers' compensation insurance in 1911.The first branch office was opened in 1914, and later that year, the company wrote its first automobile insurance policy. The company was founded as a Massachusetts Mutual Company, where its insureds have ownership in the company. The name was changed in 1917 to the Liberty Mutual Insurance Company, and through partnerships, the company began offering full-coverage auto policies.
Many consumers look at premiums, deductible options and coverage offered by a number of providers before purchasing car insurance. However, some consumers may neglect to consider that they could qualify for discounts now or in the future with little effort. These car insurance discounts may not be reflected in general price quotes, so consumers should inquire with insurance providers about their available discounts and how to qualify for them. Some potential discounts available to select drivers include good student discounts, discounts for the completion of certain driver's education programs, and customer loyalty discounts.Good Student DiscountsYoung drivers can be high risk clients for insurance providers and this risk is reflected in the higher priced premiums providers usually offer these drivers. Young drivers can help combat these higher prices by providing insurance providers with evidence of their high levels of personal responsibility -- good grades. Some insurance providers offer discounts for good students. To qualify for these discounts, drivers should be prepared to provide proof of enrollment and academic achievement.Driver's Education DiscountsNot everyone is a traditional student who can qualify for good student discounts. However, driver's education programs that provide education beyond the basic requirements for driving are open to all drivers. These programs can qualify drivers for lower car insurance rates. Successfully completing these programs as approved by individual insurance providers can qualify drivers for discounts. These driver's education programs are designed to increase drivers' knowledge of best practices and improve their safety on the road. This supplemental education can lower drivers' risks of accidents and injury and can lower their insurance premiums when acknowledged by providers.Customer Loyalty DiscountsIf drivers do not qualify for discounts at the start of their policies, they could qualify in the future through customer loyalty discounts. Insurance providers may offer discounts to drivers who purchase insurance through them over time. These discounts encourage drivers to keep renewing their policies with the same providers.Consumers who need car insurance policies can save money on their policies by seeking out insurance providers that offer discounts that they can qualify for. Insurance providers may recognize drivers who demonstrate responsibility by offering discounts for good grades or the completion of extra driver's education. Insurance providers may also offer discounts to retain customers and reward them for their loyalty. Drivers who demonstrate responsibility and loyalty can save on their coverage when they discover and take advantage of the right discount opportunities.
The General Insurance Company specializes in car insurance for high-risk drivers who may not be eligible for insurance through the major car insurance companies due to a history of DUIs, driving violations, accidents, etc. While the General Insurance offers affordable prices, it is always wise to shop around and get at least 3-5 quotes before making any decisions.
Bad Driver Car Insurance, not something to be proud of, but at Save-On Insurance we understand that not everybody in Southern California is a great driver. Car insurance companies today have no worries about having you labeled as a bad driver. All it takes with some insurance companies is one simple speeding ticket to be considered a bad driver, along with your insurance rate rising through the roof. Here at Save-On Insurance.
Often, a person will have "primary" insurance and "secondary" insurance. For example, if you have insurance through your job, and your husband has insurance through his job, then your primary insurance will be the one through your job, and your secondary insurance will be the one through your husband's job. Also, your husband's insurance through his job will be his primary, and yours through your job will be his secondary. There can be some exceptions to this though. For example, if you were married, had a child, then divorced and remarried (retaining custody of the child), and both your ex and current husbands have insurance through work, then the one who's birthday is first is considered the "primary" insurance, and the other is the "secondary" insurance. But there will still be a deductible with each one that has to be met before either one will pay.
In getting an quote from Safeco Insurance Company, they must specify auto insurance as their desired type and provide their zip code. You must then provide information about yourself and the potential drivers of your vehicles, what your vehicles are, and what your current insurance is. Once this information is submitted, Safeco provides you a quote.
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