Great Barrington Car Insurance

Your Complete Guide to Great Barrington, MA Car Insurance

(How an independent insurance agent can help you find the best policy.)

Accidents happen. That’s why there's car insurance. Whether you find yourself involved in a fender bender on Main Street or in a serious collision while passing someone on Route 41, an all-inclusive auto insurance policy can prevent you from facing significant financial losses as a result.

Independent insurance agents make it easy to find the best policy to meet your coverage and budgetary needs. Find an insurance agent in Great Barrington to learn more. You can start comparing customized car insurance quotes in no time.

How Much Does Car Insurance Cost in Great Barrington, MA?

The average cost of car insurance in Massachusetts is higher than the national average. When you take the time to shop around and compare rates, you can potentially save yourself hundreds of dollars a year.

  • National average annual car insurance cost: $1,311
  • Massachusetts average annual car insurance cost: $1,460

The quotes you get from insurance companies will most likely differ, not just from these average rates, but also from each other. This is because each insurance company has its own way of assessing risk and assigning rates. Your quoted costs will be based on a number of factors such as:

  • The make, model, trim, and year of the vehicles you are insuring
  • Whether you own or rent your home
  • Your age, gender, occupation, and marital status
  • Your driving record and credit score
  • Information about other licensed drivers in your household
  • The size of your deductible
  • The amount of liability insurance you are purchasing
  • Which, if any, coverage options you are including in your policy

If you are bundling your car insurance with other insurance products like home insurance or renters insurance, you can often qualify for significant discounts on each of your policies. You may also be entitled to discounts if you have a safe driving record or are a student with good grades.

Let a local independent insurance agent help you find all the discounts for which you potentially qualify so that you can get all the coverage you need at the best possible price.

What Does Great Barrington Car Insurance Cover?

Car insurance policies are a mixture of required and optional coverage. As a resident of Great Barrington, your policy must meet or exceed the Massachusetts minimum coverage requirements.

This state requires drivers to carry liability insurance, personal injury protection insurance (PIP), and uninsured motorist insurance. Additionally, if you are still paying for your car, your lender will probably require you to carry comprehensive and collision insurance as well.

You can expect your insurance provider to offer the following types of coverage:

  • Liability insurance (Required):  This is designed to cover other people’s injuries and damage if you cause an accident. Your policy must include:
    • Bodily injury liability coverage of at least $20,000 per person and $40,000 per accident
    • Property damage liability coverage of at least $5,000 per accident.
  • Personal injury protection (PIP) (Required): This is designed to pay for your medical expenses if you are injured in a collision, regardless of fault. Your policy must include at least $8,000 in personal injury protection insurance. You can buy coverage for just yourself, or for you and the other members of your household.
  • Uninsured motorist insurance (Required): This is designed to pay for damage and otherwise non-covered injuries you may suffer if you are in a collision caused by an uninsured, underinsured, or hit-and-run driver. Your policy must include at bodily injury coverage of at least $20,000 per person, $40,000 per accident.
  • Collision and comprehensive insurance (Partially optional): Both are designed to cover damage to your vehicle, regardless of fault. Though optional by law, these coverage types are often required by lenders until your car is paid off and by dealerships if you are leasing your vehicle.
    • Collision insurance: This is designed to cover the cost to repair or replace your vehicle if it is damaged or totaled in a collision.
    • Comprehensive insurance: This is designed to cover the cost to repair or replace your vehicle if it is damaged or totaled due to a non-collision event such as a hailstorm or garage fire.
  • Roadside assistance and towing (Optional): This is designed to pay for needed assistance if your vehicle becomes disabled while you are out on the road, such as if your engine overheats or you run out of gas.
  • Rental reimbursement coverage (Optional): This is designed to pay for the cost of renting a replacement vehicle while repairs are being made to your car following a covered event.

Talk to your insurance agent for help determining how much liability coverage you can reasonably afford and to discuss which coverage options may be right for you.

What Is the Penalty for Driving without Insurance in Great Barrington?

Driving without insurance is illegal in Massachusetts, and enforcement in this state is strict. If caught, uninsured drivers can be charged with a civil motor vehicle infraction (CMVI) and can be penalized with the following:

  • A fine ranging from $500 to $5,000
  • A driver’s license suspension for 60 days to one year
  • A fee of $500 to be paid to the state’s assigned risk plan (MAIP)
  • Incarceration for up to one year

Because this state has some of the toughest penalties for uninsured driving in the nation, it should therefore come as no surprise that it also has one of the lowest percentages of uninsured drivers.

  • Percentage of US drivers who are uninsured: 12.6%
  • Percentage of Massachusetts drivers who are uninsured: 6.2%

Because you are required to have uninsured motorist insurance in your car insurance policy, you can rest assured that if an uninsured driver is responsible for a collision with your vehicle, you will receive the compensation you are entitled to without the need for getting a lawyer and going to court.

How High Is the Auto Theft Rate in Great Barrington?

The auto theft rate in Massachusetts is lower than the national average, and in Great Barrington, the risk is even lower. Residents of this city report only three auto thefts in an average year.

  • National auto theft rate per 1,000 vehicles: 2.94
  • Massachusetts auto theft rate per 1,000 vehicles: 1.18
  • Great Barrington auto theft rate per 1,000 vehicles: 0.44

In the unlikely event that your car is stolen, you cannot be reimbursed for your loss unless your car insurance policy includes comprehensive coverage. This optional coverage can also cover a wide range of non-collision damage such that caused by floods, fallen trees, and garage fires.

If you are still paying for your car or if you are leasing it, you probably already have comprehensive coverage. If not, talk to your insurance agent to learn how much it will cost you to add this beneficial “other than collision” coverage to your auto insurance policy.

How Can an Independent Insurance Agent in Great Barrington Help?

When you are shopping for the best car insurance policy, independent agents can be extremely helpful. These insurance professionals can explain your many coverage options, answer your insurance-related questions, and assist you with comparing prices from multiple providers.

Discover the many benefits of working with an independent agent. Contact an insurance agent with an office near you, and you can start comparing customized car insurance quotes in no time.

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