Auto Insurance in Massachusetts

When you're looking for Auto Insurance in Massachusetts or New Hampshire, it's important to have options so you can ensure you get the right plan to meet your needs at the best possible rate.

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Car Insurance Tailored for Massachusetts Drivers

At Fitts Insurance, we understand how essential your vehicle is to your daily life. Whether you’re commuting to work, running errands around town, or heading to the Berkshires for a weekend getaway, your car keeps you moving. When an accident takes your vehicle off the road, it can disrupt not only your routine but also your entire family’s schedule.

We’re here to help you get back on the road quickly and with as little stress as possible. Choosing the right car insurance can be a confusing process, but our licensed agents will guide you through every step to ensure you get the coverage you need at a price that fits your budget.

What Factors Influence Auto Insurance Premiums?

Insurance premiums aren’t one-size-fits-all. A variety of factors determine how much you’ll pay for coverage, some of which you can control and others that are fixed. Here are the primary factors that affect your premium:

Your Vehicle: The year, make, and model of your car play a significant role. Newer, high-end vehicles or cars with advanced features often cost more to insure due to higher repair or replacement costs.
Where You Park: Your location matters. Cars parked in urban areas with higher rates of accidents or theft may result in higher premiums compared to rural or suburban areas.
Driving Record: The experience and safety record of all listed drivers impact your rates. Clean driving records are rewarded with lower premiums, while accidents or violations can lead to higher costs.
Selected Coverages and Limits: The type and amount of coverage you choose also affect your premium. Opting for higher coverage limits or additional protections will increase costs but provide greater financial security.

Unlike many other states, Massachusetts prohibits insurers from considering credit scores when calculating premiums, ensuring a fairer pricing structure for drivers across the state.

What Coverage Options Are Available?

Car insurance policies in Massachusetts are divided into compulsory coverages—required by law—and optional coverages, which provide added protection.

Compulsory Coverages

All drivers in Massachusetts must maintain the following minimum coverages:

Bodily Injury to Others: Provides liability protection if you cause injury to someone outside your car in an in-state accident. Minimum limits are $20,000 per person and $40,000 per accident.
Personal Injury Protection (PIP): Covers medical expenses, replacement services, and a portion of lost wages for drivers, passengers, or pedestrians injured in an accident. Minimum coverage is $8,000 per person, per accident.
Bodily Injury Caused by an Uninsured Auto: Covers injuries caused by uninsured or hit-and-run drivers. Minimum limits are $20,000 per person and $40,000 per accident.
Damage to Someone Else’s Property: Covers property damage caused to another person’s property in an accident. Minimum coverage is $5,000 per accident.

These minimums provide basic protection, but many drivers opt for higher limits to better safeguard against significant financial losses in a major accident.

Optional Coverages

For enhanced protection, many drivers add optional coverages to their policies. Popular choices include:

Collision Coverage: Pays for repairs or replacement if your car is damaged in an accident, regardless of fault.
Comprehensive Coverage: Covers non-collision-related damages, such as theft, vandalism, fire, or weather-related incidents.
Substitute Transportation Coverage: Reimburses the cost of a rental car while your vehicle is being repaired after a covered event.
Towing and Labor Coverage: Covers roadside assistance costs, including towing and basic repairs.
Auto Loan/Lease Coverage (Gap Insurance): Protects against financial gaps if your leased or financed car is totaled and its value is less than the remaining loan balance.
Pet Injury Coverage: Provides coverage for pets injured while in your insured vehicle.

These coverages vary by insurer, and each comes with specific terms, conditions, exclusions, and limits. Reviewing these details with a knowledgeable agent ensures you understand the protections you’re purchasing.

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Why Choose Fitts Insurance?
Navigating the world of car insurance can be overwhelming, but Fitts Insurance makes it easy. As an independent insurance agency, we work with multiple top-rated insurers to provide you with the best options tailored to your needs. Our licensed agents take the time to understand your driving habits, vehicle, and budget to recommend a policy that fits your unique situation.

We don’t just find you a policy; we make sure you understand your coverage inside and out. From selecting the right deductibles to explaining optional protections, we’re here to answer your questions and ensure you have the peace of mind you deserve.

Ready to Get Started?

If you’re looking for affordable and reliable car insurance in Massachusetts, let Fitts Insurance help. Whether you need coverage for a family car, a teenager’s first vehicle, or a weekend sports car, we have the expertise to find the right policy for you.

Contact us today to get a free quote or speak with one of our agents. Together, we’ll ensure you’re protected on the road—wherever your next adventure takes you.

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