Every driver needs auto insurance in Boston. By law, a person cannot drive a car without being insured. That’s because we never know what is going to happen. You could be the safest driver with no prior tickets or accidents and out of the blue, someone backs into your car. Who is going to pay for the damages? If the other party is insured, their insurance company will be able to cover the damages to your car.
There are different types of auto insurance. The most basic insurance policy is called third party or liability insurance. This is the most basic form of auto insurance you can get. If you get into an accident and it is proved to be your fault, your insurance policy will be able to cover the damage for the other party involved in the accident.
The amount of coverage the auto insurance provider will pay is usually determined beforehand. They have a set maximum amount they will pay if you are in an accident. Make sure you understand how much is covered before purchasing your policy. You may think you are getting a really good deal on a monthly premium only to find out the amount the insurance company will pay if you are in an accident is very minimal.
Another type of auto insurance in Boston you can get that will protect you if you are in an accident is collision and comprehensive insurance. If you are in an accident and it’s proven that you are at fault, the insurance company will pay for the repairs to the vehicle up to a certain amount. If the company finds that it will be cheaper to give you the market value for the car than to pay for the repairs, they will take that route.
If you have medical, personal injury coverage and no fault coverage, the insurance company will cover the medical expenses for you and the passengers in your car if needed. The no fault coverage means that regardless of who caused the accident, they will still pay for the medical expenses. This can really give you peace of mind that you and your family are protected.
To find an agency to help you get auto insurance in Boston, do a search online and you can compare rates of several different companies. Make sure the agency has good customer service. Check ratings and reviews. You will need to find an insurance company that is responsive and helpful to their customers. Especially when it comes time to file a claim. You want the insurance company to be on top of it and not take days to get back to you.
Also be sure to ask about discounts on your insurance premiums. Many agencies offer them to good drivers.
Sawyer Insurance Agency have specialists that can help you find the perfect auto insurance policy at a highly competitive rate in Boston. Visit for more details.