3 Reasons for Using a Broker/Agent vs Going Directly to an Insurance Carrier in Massachusetts
Guidance on coverage: Massachusetts is home to a variety of complex insurance laws, and navigating them can be difficult for individuals who are unfamiliar with the system. A Watertown broker or agent will be able to provide guidance on the type of coverage you need and the best policies for your circumstances. They'll also be familiar with Massachusetts regulations and any discounts available in the state that you may not have known about.
Professional advice: Watertown brokers and agents offer professional advice that helps ensure you get the right policy for your needs at a competitive price. With their extensive knowledge of Massachusetts market trends, they can help find cost-efficient options that meet both your budget requirements and your level of coverage.
Time savings: Going directly to a Massachusetts insurance carrier can take hours researching, assessing and comparing policies. Watertown brokers and agents can do the work for you in a fraction of the time, leaving you free to focus on other things. They'll also handle any claims or problems that arise quickly, effectively and professionally.
Ultimately, using an independent Watertown broker or agent is the best way to ensure you get the right coverage at a competitive price without spending too much time navigating Massachusetts' complex insurance system. With their expertise and guidance, they can help make sure that your policy meets both your budget requirements and your level of coverage.
Cheap Car Insurance Brokers, Agents, & Companies Near Me
A-Affordable Insurance Agency, Inc.
23 Elm St, Watertown, MA 02472, USA
Guard Insurance Agency
279 Mt Auburn St, Watertown, MA 02472, USA
H & K Insurance Agency, Inc.
182 Main St, Watertown, MA 02472, USA
Robert J. Cappadona Ins. Agency
25 Summer St, Watertown, MA 02472, USA
155 Mt Auburn St, Watertown, MA 02472, USA
J M Whitney Insurance Inc
151 Coolidge Ave #102, Watertown, MA 02472, USA
What Causes Insurance Companies Declare Vehicles Totaled in Massachusetts?
In Massachusetts, insurance companies often declare vehicles totaled if the cost of repairs exceeds a certain percentage (usually 70%) of the vehicle's fair market value. In addition, vehicles may be declared totaled due to major structural damage or an inability to return the vehicle to its pre-accident condition. Total loss decisions are based on many factors such as make and model, year, mileage, current condition of the car, and any special features that add to its value. In Massachusetts, when a car is declared a total loss by an insurance company, it cannot be driven again in Massachusetts until it has been repaired and has proof of inspection from the Massachusetts Department of Transportation or MassDOT for road safety purposes. If you have questions about your Massachusetts insurance claim, it is best to contact a licensed Watertown insurance agent or MassDOT for more information.
Things to Know Before Going to an Auto Body Shop in Massachusetts
Massachusetts is one of the most popular states for people looking to take care of their vehicle. It's important to know what to expect when you visit an auto body shop in Watertown.
First, it's helpful to understand Massachusetts' laws on car repairs. Massachusetts requires all cars used for safe travel must be inspected annually at a Watertown-approved inspection station and that all vehicles need to be registered with the Registry of Motor Vehicles. Additionally, Massachusetts requires all auto body shops operating in the state to have their own license.
When choosing an auto body shop in Watertown, make sure they are properly licensed and certified by the National Institute for Automotive Service Excellence (ASE). This ensures your safety and peace of mind when getting your car serviced. It's also important to understand the shop's warranty policies in case something goes wrong with the repair work.
Another thing to consider before visiting a Watertown auto body shop is what type of services they offer. Massachusetts has several specialty shops, so make sure you're choosing one that offers the services and products you need for your specific vehicle.
Finally, don't forget to ask about their rates and payment options. Massachusetts law requires all customers be informed of any fees associated with services and repairs prior to beginning any work on their vehicle. This way, you can ensure that all costs are fully disclosed upfront.
106 R Pleasant Street, Watertown, MA 02472, United States
No website found
VIP Auto Body
136 Arlington St # R, Watertown, MA 02472, USA
No website found
O'Reilly & Son Autobody
32 Arsenal St, Watertown, MA 02472, USA
No website found
Auto Precision Body Shop
48 Prentiss St, Watertown, MA 02472, USA
Insurance Claims Process After an Accident in Massachusetts
After an accident in Watertown, it is important to understand the insurance claims process. Depending on the circumstances of your accident, you may need to file a claim with your insurer or with the Massachusetts Automobile Insurance Plan (MAIP).
If the other driver's insurance company is at fault for causing the accident, you must contact their insurer and submit a claim. You will be asked to provide necessary details such as your vehicle information, personal information and account numbers, plus any medical bills or repair costs incurred due to the accident. The other driver's insurance company will investigate the claim and determine how much they are liable for as part of their liability coverage.
In Watertown, if you were involved in an auto accident and the other driver does not carry adequate insurance, you may be able to file a claim with the Massachusetts Automobile Insurance Plan (MAIP). The MAIP provides financial protection against uninsured and underinsured drivers in Massachusetts. In order to file a claim with the MAIP, you must provide proof of your vehicle's registration and proof of coverage.
Once your claim is submitted, the insurer will review it and make an offer for payment. You can either accept or reject this offer. If you reject, you can take legal action if necessary to get a higher settlement amount.
If your car was damaged during an accident in Watertown, it is important that you understand how Massachusetts's no-fault insurance laws work so that you can get the compensation that you deserve. Massachusetts laws state that each party is responsible for their own damages, and it is important to be familiar with your policy to understand what coverage and limits are applicable in your situation. Additionally, Massachusetts has specific time frames for filing a claim so make sure to meet any applicable deadlines.
Overall, the insurance claims process after an accident in Watertown can vary depending on the circumstances of your accident. Make sure to contact the other driver's insurer or the MAIP if necessary, provide all required information, review any settlement offers carefully and take action within the required timeframes. Following these steps will help ensure that you receive fair compensation for any damages incurred as a result of an auto accident in Massachusetts.
20 Most Expensive Vehicles to Maintain in Massachusetts
Watertown is full of many different types of vehicles, and with such a wide selection comes an equally diverse range of maintenance costs. The most expensive vehicles to maintain in Massachusetts are typically luxury models or those with high performance engines. These are often the priciest to repair and maintain because they require more specialized parts and services than regular vehicles. Here's a look at some of the most expensive cars to maintain in Massachusetts:
Audi R8: This luxurious sports car requires its own specialized team of mechanics and technicians for its unique engine design, not to mention costly replacement parts.
BMW 7 Series: The robust German engineering behind this top-tier vehicle can be quite expensive when it comes time for repairs or maintenance.
Mercedes S-Class: The high performance and opulent features of this luxury sedan come with hefty maintenance costs.
Porsche 911: This iconic sports car requires precise tuning and an experienced technician to keep it running optimally.
Bentley Continental GT: This luxurious grand touring coupe commands expensive service rates due to its sophisticated electronic systems.
Maserati Quattroporte: Features such as a powerful V8 engine, adaptive suspension, and all-wheel drive require specialized repair teams for proper maintenance.
Jaguar XJL Supercharged: This luxurious British sedan includes several advanced technological features that can be costly to maintain.
Cadillac Escalade: This large SUV requires considerable maintenance in order to keep up with its power and size.
Range Rover Sport: As an iconic off-road vehicle, this luxury SUV needs specialized technicians and parts to maintain its performance levels.
Lexus LS 460: The flagship sedan from the Japanese luxury brand is expensive to repair due to its advanced safety systems and electronic features.
Infiniti QX80: This full-size SUV requires frequent maintenance to keep its powerful engine and innovative features running smoothly.
Acura MDX: As a luxury crossover from the Japanese automaker, this vehicle needs costly repairs and parts in order to maintain its performance.
Mercedes G-Class: This iconic off-roader is known for its high quality build and advanced electronic systems, making it expensive to maintain.
Audi A8 L: As an upscale executive car, this model has sophisticated technology that can be quite expensive to repair or replace.
Land Rover Range Rover Velar: With its sophisticated suspension system and all-wheel drive capabilities, this luxury SUV requires expensive maintenance and repairs.
Tesla Model S: This all-electric car has high performance capabilities that require frequent maintenance in order to keep the battery running efficiently.
BMW X5 M: This high-performance luxury SUV needs specialized technicians to ensure its powerful engine is running optimally.
Lamborghini Huracán: As a supercar, this model needs advanced repair methods and costly parts in order to maintain its performance levels.
Rolls Royce Phantom: The epitome of luxury vehicles, this sedan commands extremely expensive service fees due to its opulent features and technology.
Mercedes SL-Class: With its advanced suspension system and powerful engine, this luxury convertible requires frequent maintenance in order to keep it running smoothly.
These vehicles may be the most expensive to maintain in Massachusetts, but that doesn't mean they can't provide excellent performance and luxury. With proper care and regular servicing, these cars are sure to last for many years of enjoyment. If you have your eye on one of these models, make sure you budget for the additional repair and maintenance costs that come along with owning an expensive vehicle.
20 Cheapest Vehicles to Maintain in Massachusetts
Massachusetts is known for having some of the highest vehicle maintenance costs in the country. Whether you're a Watertown resident or just visiting, it's important to know which vehicles are the most affordable to keep running in this state. Here are 20 of the cheapest vehicles to maintain in Massachusetts:
Ford Fiesta - The Ford Fiesta is one of the least expensive cars to maintain in Massachusetts due to its low fuel consumption and reliable parts availability. It also offers great safety features at an affordable price.
Honda Civic - The tried-and-true Honda Civic is a great option if you're looking for an inexpensive car that can still provide a smooth ride and plenty of features. Its affordability makes it easy on your wallet when it comes to maintenance.
Hyundai Elantra - The Hyundai Elantra is a reliable car that's also easy on your wallet when it comes to servicing and repairs. It has a low cost of ownership, making it a great option for Watertown drivers.
Toyota Corolla - The Toyota Corolla is one of the most popular vehicles in Massachusetts, and it's known for its reliability and affordability when it comes to maintenance costs.
Nissan Versa - The Nissan Versa offers plenty of features at an affordable price, while still being relatively inexpensive to maintain in Massachusetts. Its solid build quality makes it a reliable choice for Watertown drivers.
Chevrolet Cruze - The Chevrolet Cruze is a great option for Watertown drivers who are looking for an affordable and reliable vehicle. It has low maintenance costs, making it easy on your wallet.
Kia Soul - The Kia Soul is one of the most affordable vehicles to maintain in Massachusetts due to its fuel efficiency and low repair costs. Its stylish design also makes it a great choice for Massachusetts drivers.
Volkswagen Jetta - The Volkswagen Jetta is another popular car that's relatively inexpensive to maintain in Massachusetts. Its parts availability and reliability make it a great option for Watertown drivers who want a dependable vehicle at an affordable price.
Mazda3 - The Mazda3 offers plenty of features, while still being relatively inexpensive to maintain in Massachusetts. Its fuel efficiency and low repair costs make it a great option for Massachusetts drivers who want a reliable car at an affordable price.
Subaru Impreza - The Subaru Impreza is another reliable vehicle that's relatively inexpensive to maintain in Massachusetts due to its parts availability and affordability. Its all-wheel-drive makes it a great choice for Watertown drivers who need the extra traction in snowy winters.
Jeep Compass - The Jeep Compass offers plenty of features, while still being relatively inexpensive to maintain in Massachusetts due to its parts availability and affordability. Its off-road capabilities make it a great choice for Watertown drivers who love the outdoors.
Ford Focus - The Ford Focus is one of the most reliable vehicles in Massachusetts, and its low maintenance costs make it a great option for Watertown drivers. Its fuel efficiency also makes it an affordable choice.
Hyundai Sonata - The Hyundai Sonata is another popular car that's relatively inexpensive to maintain in Massachusetts due to its parts availability and affordability. Its comfortable interior and reliable performance make it a great choice for Massachusetts drivers who want a dependable vehicle at an affordable price.
Honda Accord - The Honda Accord offers plenty of features at an affordable price, while still being relatively inexpensive to maintain in Massachusetts. Its reliable build quality and excellent safety ratings make it a great choice for Watertown drivers who need a reliable vehicle at an affordable price.
Toyota Camry - The Toyota Camry is one of the most reliable vehicles in Massachusetts, and its low maintenance costs make it a great option for Massachusetts drivers. Its comfortable interior and excellent safety ratings make it an ideal choice for Massachusetts drivers who need a dependable car at an affordable price.
Subaru Outback - The Subaru Outback is another great vehicle that's relatively inexpensive to maintain in Massachusetts due to its parts availability and affordability. Its all-wheel-drive makes it a great choice for Watertown drivers who need the extra traction in snowy winters.
Nissan Rogue - The Nissan Rogue offers plenty of features, while still being relatively inexpensive to maintain in Massachusetts due to its parts availability and affordability. Its solid build quality and fuel efficiency make it a great choice for Massachusetts drivers who want a reliable car at an affordable price.
Hyundai Tucson - The Hyundai Tucson is another popular car that's relatively inexpensive to maintain in Massachusetts due to its parts availability and affordability. Its comfortable cabin, solid build quality, and excellent safety ratings make it a great option for Watertown drivers who need a dependable vehicle at an affordable price.
Honda CR-V - The Honda CR-V is one of the most reliable vehicles in Massachusetts, and its low maintenance costs make it a great option for Massachusetts drivers. Its all-wheel-drive makes it an ideal choice for Massachusetts drivers who need extra traction in snowy winters or rough terrain.
Toyota RAV4 - The Toyota RAV4 offers plenty of features at an affordable price, while still being relatively inexpensive to maintain in Massachusetts due to its parts availability and affordability. Its reliable build quality and excellent safety ratings make it a great choice for Watertown drivers who want a dependable vehicle at an affordable price.
4 Things to Know About Insuring Motorcycles in Massachusetts
Motorcycles are an increasingly popular form of transportation in Massachusetts, but they also come with their own unique set of insurance requirements. Here are four things that Watertown drivers should know about insuring their motorcycles:
Massachusetts requires Motorcycle Liability Insurance. Massachusetts requires all motorcycle owners to carry liability insurance in order to legally operate a bike on the state's roads and highways. This type of coverage helps protect riders from being held financially responsible for any damages or injuries resulting from a crash caused by them.
Comprehensive Insurance Coverage is Optional. While Massachusetts does not require comprehensive coverage for motorcyclists, it can be an important addition for riders who want extra protection against theft, vandalism, accidents not involving another vehicle, and other unexpected events.
Massachusetts Has a Helmet Law. Massachusetts requires all motorcycle riders to wear a helmet that meets the specifications of the U.S. Department of Transportation at all times when riding their bike on public roads. This law is in place to protect motorcyclists from the potential for serious head injuries if involved in an accident or crash.
Insuring Multiple Motorcycles Can Save You Money. Massachusetts drivers who own more than one motorcycle can potentially save money by bundling their policies together into a multi-bike policy with one insurance provider. This type of policy may provide discounts as well as additional coverage options not available with individual polices, making it an attractive option for those looking to insure multiple bikes.
Cost of Car Insurance in 6 Different Age Groups in Massachusetts
Car insurance in Watertown can vary significantly in price depending on age group. Here is a breakdown of the average annual cost of car insurance for six different age groups in Massachusetts:
Ages 16 to 19: $3,837
Ages 20 to 24: $2,710
Ages 25 to 29: $1,640
Ages 30 to 39: $1,316
Ages 40 to 49: $1,310
Ages 50 and up: $1,097
These prices are based on an average driver with a clean driving record and no prior claims history. Rates may vary depending on factors such as driving history and the type of coverage chosen. It is important to shop around and compare quotes in order to get the best deal for your car insurance needs. Massachusetts also offers discounts for certain groups of drivers, including military personnel and students. Drivers who complete a defensive driving course may also be eligible for discounted rates.
No matter what age group you are in, there are ways to save on car insurance in Massachusetts. Comparing rates from multiple insurers is one way to ensure you get the best rate possible. Additionally, taking advantage of discounts can save you money in the long run. With some research and comparison shopping, Massachusetts drivers can find an insurance policy that fits their budget and meets their coverage needs.
4 Driving Violations That Require High Risk Insurance in Massachusetts
Massachusetts drivers are subject to a variety of driving violations, some more serious than others. Some require Watertown drivers to carry high risk insurance in order to remain legal on the road. Here are four of those violations:
Driving under the influence (DUI). A DUI is one of the most serious offenses a Massachusetts driver can commit and requires Massachusetts drivers to have in place an SR-22 insurance policy.
Failure to pay child support or alimony payments. Drivers who fail to make these payments as ordered by Massachusetts law will be required to hold an SR-22 insurance policy while they remain delinquent on their obligations.
Reckless driving or vehicular homicide charges. Massachusetts requires any driver convicted of either of these offenses to carry high risk insurance for at least three years in order to remain legal on the road.
Multiple moving violations or driving without insurance charges. Massachusetts law requires drivers who accumulate multiple traffic citations or are caught driving without insurance to have an SR-22 policy in place before they can regain their license and become legal on the roads again.
Top 7 Car Insurance Companies by Least to Most Expensive in Massachusetts
Watertown residents looking for car insurance may be overwhelmed by the number of companies competing to provide consumers with the best rates. To help you compare, we have listed seven of the most popular Massachusetts car insurance companies from least expensive to most expensive.
GEICO: With some of the lowest rates in Massachusetts, GEICO is a top choice for those looking to save money on their premiums. Its online tools make it easy to customize your coverage and access discounts such as multi-policy or low mileage discounts. GEICO also offers flexible payment options and a convenient mobile app for tracking claims or making payments on the go.
Allstate: Known for its competitive rates, Allstate provides Watertown MA drivers with an array of car insurance options. This company also offers discounts for safe drivers and a variety of payment plan options.
Liberty Mutual: Massachusetts drivers looking for solid coverage at an affordable price will find it with Liberty Mutual. The company's accident forgiveness program helps keep premiums low after filing a claim, and its online tools make it easy to customize your policy.
Amica: One of the oldest car insurers in Massachusetts, Amica has competitive rates and a customer-centric approach to service that cannot be beat. Its dedication to quality customer service has earned the company multiple awards over the years.
Esurance: Massachusetts law requires that all drivers carry minimum levels of liability coverage, but those who want more protection can get it with Esurance. Offering a variety of coverage options, Esurance helps Watertown drivers customize their policies for maximum savings on premiums.
Progressive: This well-known car insurer's competitive rates and flexible payment plans make it an attractive option in Massachusetts. There are also discounts available for customers who enroll in one of the company's online safety courses or opt for paperless billing.
MetLife: Massachusetts drivers looking for comprehensive protection will find it with MetLife, which offers collision and comprehensive coverage plus liability insurance to meet state requirements. The company also provides special discounts for military personnel as well as multi-vehicle, multi-policy, and other types of premium reductions.
3 Benefits of Traffic School or Defensive Driving Classes in Massachusetts
Massachusetts is a densely populated state and as such, has some of the most congested roadways in the country. In order to keep Watertown drivers safe and efficient on the roads, attending traffic school or defensive driving classes can be extremely beneficial. Here are three advantages of attending traffic school or defensive driving classes in Massachusetts:
Save Money - Traffic school or defensive driving classes can lower your insurance rates and help you avoid costly fines and fees associated with moving violations. Additionally, many insurers offer special discounts for completing these courses.
Learn Safe Driving Habits - Massachusetts law dictates that all drivers must follow certain rules and regulations when it comes to vehicular operation. Attending traffic school or defensive driving classes provides Watertown drivers the opportunity to become familiar with Massachusetts-specific laws and regulations, as well as proper driving techniques.
Improve Your Driving Record - Traffic school or defensive driving classes provide Watertown drivers with valuable insight into how to best avoid traffic violations in the future. Many Massachusetts courts also allow for tickets to be dismissed or reduced if you attend a traffic school or defensive driving class. This is especially beneficial for those who have multiple points on their license and are looking to improve their driving record.
12 Interesting Driving Statistics in Massachusetts
Massachusetts is the most populous state in New England and with its close proximity to many cities, roads, and highways it is no wonder that Massachusetts has some of the busiest streets in the country. According to Massachusetts Highway Safety Division's 2019 report on motor vehicle safety, there have been over 17,000 crashes reported across Massachusetts with more than 1,110 fatalities from these accidents. Here are 12 interesting driving statistics from Massachusetts that may surprise you.
Massachusetts has the lowest percentage of fatal collisions involving impaired drivers at only 32%.
In 2018, Massachusetts had a total of 613 bicyclists involved in fatal or injury crashes.
There were a total of 19 pedestrian deaths due to motor vehicle crashes in Massachusetts during 2018.
Massachusetts has a higher percentage of fatal crashes involving distracted drivers than the national average, with 33% reported in Massachusetts compared to 26% nationally.
Massachusetts has an unusually low number of fatal collisions involving 15-20 year olds, most likely due to strong graduated licensing laws and restrictions on young drivers.
Massachusetts had one of the lowest rates for speed related fatalities at just 8%.
In 2017, there were 463 motorcycle fatalities reported in Massachusetts and 98% of those who died were not wearing helmets at the time of their accident.
Massachusetts recorded 1,110 motor vehicle fatalities in 2019, which is a decrease from 1,130 deaths in 2018.
Massachusetts has the highest rate of seatbelt use in the nation at 95%.
Massachusetts reported a total of 100,710 crashes in 2019, with an average of 7.7 collisions occurring each hour across Massachusetts's roads and highways.
Massachusetts reported over 993 hit-and-run accidents in 2019, which is an 8% increase from 2018 numbers.
Massachusetts has the eighth lowest vehicle fatality rate per 100 million miles traveled nationally, with only 1 death per 100 million miles driven compared to the national average of 1.13 deaths per 100 million miles driven.
What is the average car insurance rate in Watertown Massachusetts?
The average rate for Watertown is $1,356. Look for discounts to make this even more affordable.
What is the minimum coverage required in Watertown MA?
In Watertown Massachusetts, your policy must have at least $20,000 of coverage for injuries per person, up to a total of $40,000 per accident, and $5,000 of coverage for property damage.
How much is car insurance typically for 2 vehicles in Watertown MA?
Average cost for two vehicles in Watertown is $3,458. This can of course vary greatly with liability only, full coverage, or SR-22 insurance.
How can I get cheap car insurance in Watertown MA?
To get low cost car insurance in Watertown, MA, simply fill out the form above and compare quotes then pick the best one.