Best cheap car insurance quotes in Northampton
Before you can get behind the wheel of a car in Northampton, you must have car insurance that meets the state’s minimum insurance requirement.
Massachusetts car insurance laws
require all drivers to have basic liability insurance that includes bodily injury coverage, property damage, and personal injury protection (PIP). Cheap minimum liability insurance quotes in Northampton
In order to legally hit the road, Northampton drivers need to meet Massachusetts’s minimum coverage limits for bodily injury liability and property damage liability. They can be summarized as 20/40/5:
$40,000 bodily injury liability per accident
$8,000 personal injury protection
per person, per accident $20,000 for bodily injury per person from an uninsured motorist
$40,000 for bodily injury per accident from an uninsured motorist
Jerry helps Northampton drivers find affordable minimum liability coverage. Here are some examples of Northampton car owners and how much they pay for coverage, thanks to help from Jerry.
Coverage
State Minimum
Northampton, MA
(Zip Code: 01060) Coverage
State Minimum
Northampton, MA
(Zip Code: 01060) Do you need more than minimum coverage in Northampton?
Compared to other states, the minimum car insurance requirements in Massachusetts
are low compared to other states. Most Northampton drivers should choose to purchase insurance that exceeds the state minimum of 20/40/5. If you’re involved in an at-fault accident, medical bills and vehicle damages can quickly exceed the state-mandated minimum. A serious crash that leaves your vehicle totaled wouldn't be covered by state minimum coverage, and medical expenses can quickly exceed $8,000.
The bottom line: For better financial protection, Northampton drivers should purchase liability coverage that exceeds the state minimum. Experts recommend 50/100/50 or 100/300/100 liability coverage—and opt for full coverage on your car.
Cheap full coverage car insurance quotes in Northampton
Buying a full-coverage auto insurance
policy is the easiest way to protect yourself against costs associated with repairing or replacing your vehicle if you’re involved in an accident. A full coverage policy in Northampton includes liability 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 a loan or lease on your car, most lenders will require you to purchase a full coverage policy that includes collision and comprehensive coverage.
Insurance coverage | Insurance company | Premium (monthly) | Customer | Car |
---|
• 100,000/300,000 Liability • Comp / Collision | Travelers | $135 | | Nissan Altima 2.5 |
• State Minimum Liability • Comp / Collision | Safeco | $62 | | Chevrolet Volt |
• State Minimum Liability • Comp / Collision | Bristol West | $169 | | Honda FIT Sport |
Last Updated Oct 9, 2024
The easiest and fastest way to find the cheapest car insurance for your preferred coverage option is to compare car insurance rates online.
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, offers a free app that compares car insurance quotes and provides end-to-end service to customers with the help of 100+ licensed insurance agents.