Do I Need Insurance Before Buying A Car?

Do I Need Insurance Before Buying A Car?

If you’re looking for affordable car insurance to provide correct coverages without breaking your wallet, the comparison is key. Insurance quotes can vary from company to company. Just because you are not on a budget doesn’t mean you need to compromise with coverages. Affordable car insurance in Massachusetts can cost you anything from $2409 to $484.

Coverages you will need

There are few standard coverages you will require for your vehicle. Depending on where you live, some of these coverages may be mandatory and some optional.

Liability Coverage

This coverage is mandatory in most states. You will require to purchase at least the minimum amount of liability coverage by the state law. There are two components for this coverage:

  • Bodily injury liability: pays for the costs related to injuries you cause to anyone in an accident where you are held liable.
  • Property damage liability: pays for the damages you caused to anyone’s property while driving.

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Uninsured and underinsured motorist coverage

In case an insured driver hits you, this coverage may pay for your medical bills and repairs in some states. For instance, If you are hit by an underinsured driver, meaning their insurance cannot cover your resulting medical account. Underinsured motorist coverage may help her.

Comprehensive coverage

This coverage helps you cover damages done to your cars, such as theft, fire, hail, or vandalism.  For example, If damages are caused to your vehicle is from a covered peril, comprehensive coverage may pay for the repairs or replacement. However, this coverage comes with a deductible.

do i need insurance before buying a car

Collision coverage

This coverage comes in handy when met with an accident either with another vehicle or an object. Collision coverage helps pay for the damages done to your car in such cases.

Medical payments coverage

This policy will help pay for the medical bills associated with any injuries caused to you or your passengers. This coverage is required in some states and optional in some.

Personal injury protection

This particular coverage is only available in some states. Investopedia suggests personal injury protection (PIP) will help pay for your medical expenses after an accident. PIP may also help cover expenses incurred because of your injuries – For example: Lost of income.

Required affordable car insurance coverages

In order to register and drive in Massachusetts, you need to purchase a list of coverages in an affordable car insurance policy.

  • Bodily injury to third-party (Limit: $20,000 per person, $40,000 per accident)
  • Personal injury protection (Limit: $8,000 per person, per accident)
  • Uninsured auto-inflicted bodily injury (Limit: $20,000 per person, $40,000 per accident)
  • Third-party property damage (Limit: $5,000 per accident)

To sum up, there are many aspects to keep in mind before purchasing car insurance in Massachusetts, even if it is affordable. Compare rates from various companies and get the best deal!

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affordable car insurance
affordable car insurance