Auto Insurance in Massachusetts For Teacher

Reader’s Question:

Hi, I’m a 61-year-old retired teacher. I just bought a 1993 Honda Civic and moved to this place three months ago. I was wondering: How much would auto insurance in Massachusetts cost me?

Dennis

Springfield, Massachusetts

Hi, Dennis. In these times of financial uncertainty, the cost of auto insurance in Massachusetts has gone past the $1,000 mark. However, the cost of insurance will depend on a lot of factors. For example, being a senior citizen not above 65 means you are viewed by auto insurance companies as a low risk driver, and therefore they will give you a cheaper price for auto insurance (however, rates go up if your age is past 65 or 70). Some companies will offer discounts also to car owners that have white-collar jobs. Your driving record also will matter. “Good” drivers are charged lower premiums while drivers with DUI records are charged insanely high auto insurance costs.

Where you live will also be taken into account in auto insurance costs. In Springfield, for example, the average travel time is about 30 minutes. The heavier the traffic you have in your area, the greater the chances of a car accident. Where you park your car will also be a factor especially at night. If you live in a neighborhood that is not safe, your car insurance costs are bound to increase. Your car (1993 Honda Civic) is also included in the top ten lists of cars stolen in the Massachusetts area, so even if it is less expensive, if your car is easily stolen, then that will be factored into auto insurance costs.

The best way to find the lowest auto insurance available is to compare rates online. Go to the top insurance companies, and they will give you a precise quote on your auto insurance. Some even offer online chat service, where you can get advice from car insurance agents on how to lower your premium.

Save On Auto Insurance in Massachusetts By Getting Married?

Reader’s Question:

My friends told me that I get married I will be able to save on my auto insurance premium. I would like to know if this is true. I live in Massachusetts.

Marion

Boston, MA

Yes, in Massachusetts it is possible that you will be able to save on your auto insurance premium if you get married. Auto insurance providers consider married couples to be safer and responsible drivers than single individuals. Auto insurance premiums for married couple may go down married married people are usually more responsible and mature and are less likely to drive irresponsibly. It would also be helpful with lower auto insurance premium if both of you have good driving record .

According to the Massachusetts Division of Insurance lists a 5% discount may be applied to your auto insurance premium paid for compulsory coverage and, if selected, optional coverages if a married couple own 2 or more vehicles insured by the same auto insurance provider. This discount that may be available to you is also know as multi car discount..