Best cheap car insurance quotes in Holbrook
When shopping for car insurance quotes in Holbrook, the first decision you’ll need to make is between full coverage and state minimum coverage.
Cheap minimum liability insurance quotes in Holbrook
All drivers in Holbrook must carry at least the minimum coverage required by Massachusetts state law:
$20,000 of bodily injury liability per person
$40,000 of bodily injury liability per accident
$5,000 of property damage liability per accident
$8,000 of personal injury protection per person, per accident
$20,000 for bodily injury per person by an uninsured motorist
$40,000 for bodily injury per accident by an uninsured motorist
Sticking to minimum coverage will keep your rates low. If that’s your primary goal—and you’re prepared to sacrifice a little peace of mind—Jerry can help you find a cheap policy quickly.
Coverage
State Minimum
Holbrook, MA
(Zip Code: 02343) Coverage
State Minimum
Holbrook, MA
(Zip Code: 02343) Coverage
State Minimum
Holbrook, MA
(Zip Code: 02343) Do you need more than minimum coverage in Holbrook?
Massachusetts’ minimum liability requirements are lower than the average for most states—-and though personal injury protection and uninsured motorist coverage bolster your protections a little, you’ll still lack personal property coverage if you only purchase state minimum insurance.
The bottom line: For better financial protection, Holbrook drivers should purchase liability coverage that exceeds the state minimum. Experts recommend 50/100/50 or 100/300/100 liability coverage, depending on your income, assets, and personal insurance needs. In addition to those higher liability limits, opt for full coverage on your vehicle.
Cheap full coverage car insurance quotes in Holbrook
Full coverage car insurance
is the superior way to protect yourself against costs associated with repairing or replacing your vehicle. A full coverage policy in Holbrook includes liability, uninsured motorist, and PIP insurance plus comprehensive
and collision coverage
: Collision insurance: Covers the cost of damage to your vehicle caused by a collision with another object, such as another vehicle or property like a guard rail or tree. Collision coverage pays for the accident regardless of who caused it.
Comprehensive insurance: Pays for direct and accidental damage or loss to your vehicle due to something other than a collision—theft, vandalism, fire, falling objects, larceny, or hitting an animal.
If you have an auto loan or lease, you’ll need full coverage to satisfy lender requirements, but it’s a worthwhile investment for almost any Holbrook driver. Unless you can afford to replace your car out of pocket—or rely on public transit for an extended period—full coverage is a smart investment.
Last Updated Oct 31, 2024
Jerry has your road map to the cheapest rates on all coverage options, from bare minimum liability coverage to robust full coverage policies. With a free app that compares car, renters, and home insurance quotes with end-to-end service from 100+ independent insurance agents, Jerry is your one-stop shop for all your property insurance needs.