Contour Enthusiasts Group Archives Forums Branches New England ? for mass people

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.

state farm, my parents are also under stare farm but I wasnt under them when I got the csvt because if I woulda been under them, they woulda rated me on the highest car which was the lexus so it was cheaper getting it seperate for the csvt and listed as ocasional on the lexus etc..but I have no collision I pay $1250

well looking at what you posted ryan, i am prety close tot he minimums already.
SVT:
Injury to others: 20000/40000
personal injury:8000
uninsured:20000/40000
damage to someone elses property:100000
optional bodily injury:20000/40000
collision:500 deductable
comprehensive: 500 deductable/no glass deductable
underinsured:20000/40000

taurus is the exact same ecsept no optional bodily injury and no collision

so it looks like i could really only lower the damage to someone elses property.
bah!

and i am at a step 10.

liberty is our insurance at work (ups) so i called them to see about a quote figuring i can get a ups discount or something. they quoted me double for my svt. over 4k per year when i was paying 2100/year with amica. i turned 26 and amica dropped to like 1200/year. the lady didnt even know what to say when i told her what i pay with amica. i've been very very satisfied with amica and the service they've given me.

damn, that's insane. I pay just under 900 for my SVT - full coverage. But I need to call to cancel the coverage - at least temporarily.

I have to agree with Hugo about Amica, I pay about 1600, for everything but collision on the mystique, and I might be able to cut that back a bit more now that I don't have to worry about it in a school parking lot

as for insurance for two cars, same coverage as I have now with the mystique and full coverage on the tour, which now by they way is completely mine as a graduation gift, I think amica quoted me around 2200 so so for both cars, now other companies wanted a bit less then that but it was only for six months , thats right, all other companies I have looked into, All State, State Farm, Progressive, etc want near double what I pay now and I know Amica has service second to none

i have not heard a bad thing about amica. i hear rave reviews from friends in the industry. the next cheapest was allstate and i refuse to use allstate. they can pay me and i'd refuse them. so amica is very reasonably priced for the service they give me. geico 10% is a joke. progressive wasnt any better. so its amica for me for the forseeable future.

I've heard great things about Amica.

I had Liberty Mutual for years, and they were great up until last year. They started charging me for "missed or late payments" even though I was making my payments at the exact same time every month. I went with Commerce, and saved $40/month immediately.