MA auto insurance rates are all over the map (insurance agent humor: All over the MAIP lol).
Recently our Agency utilized Vermont Mutual’s accident forgiveness endorsement and lowered a woman’s rates, living in Lynn, MA from $2,100 down to $1,465.
Meanwhile, we also improved her Parts 3 & 12 to match her Part 5 limits of $50,000 per person/$100,000 per accident.
Parts 3 & 12 are Uninsured & Underinsured Motorist Coverage.
These limits are important and often over looked.
Uninsured Motorist Coverage (Part 3) protects you & occupants from other driver that may be driving without insurance. If they injure you, this coverage allows you to collect under your own coverage for things like medical bills, lost wages, pain & suffering etc.
Underinsured Motorist Coverage (Part 12) protects you & occupants from other drivers that have less (Part 5) coverage than you have. If they injure you, you can collect the difference between what they carry and what you carry.
* Note: you cannot carry higher Parts 3 & 12 than you do Part 5 (Optional Bodily Injury to Others) Coverage.
We recommend that your Parts 3 & 12 limits match your Part 5 limits.