Coverage Choices – Consumers in MA can lower their auto insurance premiums by deciding on which Optional Coverage is really needed and what level of coverage best fits their situation.
Personal Injury Protection (PIP) Coverage –
You can save on premium if you exclude yourself, or yourself & household members from some or all of this coverage. You should consider this option if you have a medical and disability income plan.
Collision and Comprehensive Coverage –
If the actual cash value of your vehicle is not very much, it may be a smart decision to not buy Collision or Comprehensive coverage.
Medical Payments –
If you have health insurance, it may not be necessary to purchase medical payments coverage.
Substitute Transportation –
If you can handle not having a vehicle while your car is in the shop for an at-fault or hit & run accident, then you may decide not to purchase Substitute Transportation Coverage.
Towing & Labor –
If you are a member of AAA, or any other motor club, or if you can absorb any sort of tow or auto disablement fee, you probably do not require Towing & Labor Coverage.