In Massachusetts the minimum required (compulsory) insurance will cost the same regardless of what company you use, period. Optional coverages cost the same but you have the choice to pay more for more coverage.
In Mass, compulsory limits are as follows:
Personal Injury Protection: $8000
Property damage: $5000
Bodily Injury: $20,000per person/$40,000max per claim
Underinsured: $20,000per person/$40,000max per claim
Uninsured: $20,000per person/$40,000max per claim
Glass: No Deductible.
I carry:
Personal Injury Protection: $8000
Property damage: $100,000
Bodily Injury: $100,000per person/$300,000max per claim
Underinsured: $100,000per person/$300,000max per claim
Uninsured: $100,000per person/$300,000max per claim
Collision: $500 Deductible
Rental: $30per day/$900 max per claim
Tow: $50
Glass: No Deductible.
If you live in Boston and claim to live in Townsend and the insurance company finds out you are not being honest with where your vehicle is "while you sleep", your claims might be denied.
If you say that your father claims that he is the operator of a car and he is a step 9, but the car is actually yours and your a step 20, your claims can be denied.
If you provide any kind of false information that increases the risk to the insurance company it is fraud. Fraud in Massachusetts is now a FELONY. Massachusetts is really starting to crack down. The State has task forces in several cities working with local police, state police, FBI and people like me working to identify fraudulent claims.
Please everyone..be honest with your insurance company. We all pay alot for insurance and you NEED it to be there for you when it is needed. There are so many people out there looking to get into accidents to MAKE money and you need to protect yourself.