Driving in Massachusetts is not for the faint of heart. In fact, a 2015 study ranked Boston the most unsafe city in the United States for driving, with Worcester coming in second. While those of us born and raised in Massachusetts consider traffic and aggressive drivers to be part of our state’s unique personality, it can also mean higher insurance premiums due to the increased likelihood of accidents. The agents at DiVirgilio Insurance understand the importance of insuring your vehicle with a comprehensive policy that protects you against reckless drivers, poorly marked roads and treacherous weather.

How Much Is Car Insurance?

The cost of car insurance depends on a variety of factors, including where you live, your age, your driving record, and whether or not your auto insurance is bundled with a homeowners or umbrella policy. But no two policies are the same, and cheaper isn’t always better. So consider the different policy terms and types of coverage you may need:

• Bodily Injury Liability – Protects you if you are found at fault for injuries caused to drivers or passengers in another vehicle
• Medical/Personal Injury Protection – Covers the medical treatment of anyone injured while traveling in or operating your vehicle
• Property Damage Liability – Pays for damages caused to someone else’s property
• Collision – Reimburses you for damages to your own car
• Uninsured Motorist – Safeguards you in case you are injured by an uninsured driver

What about My Other Vehicles?

Auto insurance isn’t just for cars. If you own a motorcycle, truck or van, you need auto insurance, too.  And if you spend time in your RV or off-road vehicle, don’t forget that you need coverage for those as well! With roughly 1,500 miles of shoreline in Massachusetts, the Bay State is home to thousands of boat owners, and insuring your watercraft carries the same importance as car insurance. If you own a classic or antique car, you’ll need specialty auto insurance to keep your prized vehicle safe.

Whatever your preferred mode of transportation may be, not having an auto insurance policy that protects you in case of damage or injury could significantly affect your life, should an accident happen. Contact DiVirgilio Insurance today for a free quote and to discuss your policy options; our goal is to find you great coverage with low premiums. You can reach us by calling 781-592-5220 or by filling out the form on this page.