Massachusetts is the 16th Most Populated State. Make Sure Your Vehicle is Covered Properly!

No matter what type of vehicle you have, it is important to make sure that it is properly insured. Car insurance is required in Massachusetts. If you have a car on the road, you need to carry at least the minimum insurance required by the state. However, in many cases you may require more insurance than the minimum. With so many drivers on the roads, your risk is higher.

You want to make sure you hire the best Auto Insurance Agency. Our agents will help you determine exactly what kind of auto insurance you need. There are many things that will go into the decision, such as:

  • Your driving history
  • Age of the car
  • Your preferred monthly premium
  • Your preferred amount of coverage

Since these things are different for everyone, we take the time to discuss all of your options with you. We strive to ensure that you are not only comfortable with your insurance experience, but that you also understand your insurance coverage. If at any time throughout the life of your policy with Banas & Fickert Insurance Agency you have questions or concerns about your auto insurance coverage, you can give us a call. We are here to help you.

We offer a variety of vehicle insurance options:

  • Standard Car Insurance
  • Corporate Vehicle Insurance
  • Motorcycle Insurance
  • Watercraft Insurance (Boats, Jet Skis)
  • Snowmobile Insurance

Having proper coverage for each of these is important, and the requirements for each are different. We will help you identify exactly which options you need. From there, we will put together the right package for all the vehicles you own.

Other companies give you the insurance package they want you to have. At Banas & Fickert Insurance Agency, we put together the package that you need. We do this by having a discussion with you about your wants and needs for insurance coverage. When you want to work with a company that feels customer service is essential, call us at 413-527-2700. We are waiting to hear from you. Learn more on the advantages of choosing an independent Auto Insurance Agency.

Massachusetts Auto Insurance FAQs

While Massachusetts requires specific minimums for bodily injury and property damage, the state minimum is rarely enough to fully protect you in a serious accident. Most financial experts recommend carrying higher limits to protect your personal assets (like your home and savings) from lawsuits. We can help you calculate the “perfect fit” coverage that exceeds the basic state requirements without breaking your budget.

In most cases, yes—your personal auto policy in Massachusetts generally extends its coverage to a rental vehicle you drive for personal use within the US and Canada and it is limited. However, it may not cover “loss of use” fees charged by the rental company. Before you decline the rental counter’s insurance, give us a quick call to confirm your specific policy details.

Think of it this way: Collision covers damage to your car if you hit something (another car, a pole, or a fence). Comprehensive (often called “other-than-collision”) covers damage caused by events outside your control, such as fire, theft, vandalism, falling trees, or hitting an animal like a deer.

Generally, auto insurance follows the car, not the driver. This means if you lend your car to a friend and they get into an accident, your insurance will typically be the primary coverage used to pay for damages.

Under Massachusetts law, your insurance provider generally cannot surcharge your premium for an accident where you were less than 50% at fault. However, frequent claims can sometimes affect your “tier” or eligibility for certain discounts, so it is best to discuss the specifics with your agent.

This is where Uninsured Motorist (UM) coverage kicks in. It is mandatory in Massachusetts and pays for your medical bills and lost wages if you are injured by a driver with no insurance or a hit-and-run driver. You can also purchase “Underinsured” motorist coverage to protect you when the at-fault driver has insurance, but not enough to cover your bills.

If you have Comprehensive coverage on your policy – your glass repair or replacement is usually covered with a zero deductible.

*Some carriers tack on a $100 glass deductible; however, it is not worth carrying as it only results in a very small premium savings

There are several ways to save without cutting corners on coverage. You can bundle your auto and home policies for a significant discount. Other common discounts include low mileage, good student discounts for teen drivers, and paying your policy in full. Let us review your policy to ensure you are getting every credit you deserve.

You generally do not need a separate “special” policy, but you must list all licensed household members on your policy. Adding a teen driver will increase your premium, but you can offset this cost by asking about “Good Student” discounts or “Driver Training” credits if they have completed an approved safety course.

Yes, but only if you carry Comprehensive coverage. Liability and Collision coverage alone will not pay for theft, flood damage, or storm debris (like a tree branch) falling on your car. If you live in an area prone to severe New England weather, this coverage is highly recommended.