Peabody Car Insurance

Everything You Need to Know About Car Insurance in Peabody

Find the right car insurance policy for you.

Located in the North Shore region of Massachusetts, you’ll find the charming city of Peabody. Once simply known as the “South Parish,” today, Peabody, MA is a growing place where families put down roots and enjoy all the beauty of living near the Massachusetts shoreline. Whether you’re headed out to dinner at the Sylvan Street Grill or you’re on your way to watch the “Tanners” play a game of football at the local high school, don’t get behind the wheel unless you’re covered with Peabody car insurance.

Our Independent Insurance Agents offer Peabody drivers one-on-one support for choosing car insurance. If you’re trying to find a policy that will best protect you against the chaotic traffic in Massachusetts, our friendly agents can help. They will offer you a closer look at all of your options along with free rate quotes on multiple policies so you can choose an auto insurance plan that is right for your lifestyle and budget.

  • National average cost per year: $1,311
  • Massachusetts average cost per year: $1,460
  • #16 most expensive auto premium in U.S.

Even though Massachusetts has notoriously high car insurance rates, you can find affordable policies with help from our Independent Insurance Agents. There are several key factors that play a role in determining your car insurance rate. Your age, your driving record your car's make and model are all factored in to give you a custom rate. If you’re worried that your less than stellar driving record will keep you from finding affordable coverage, don’t give up quite yet. Our Independent Insurance Agents know the ins and outs of car insurance, and they can help you find a policy that is affordable, regardless of your circumstances. 

Massachusetts Car Insurance Requirements

  • Body injury liability: required
  • Property damage reliability: required
  • Personal injury protection (PIP): required
  • Uninsured motorist coverage: required
  • Minimum liability limits: 20/40/5

Before you get behind the wheel in Peabody, you need to have car insurance to satisfy Massachusetts laws. Drivers in this state need a minimum coverage of $20,000 for personal injury protection, $40,000 for bodily injury liability and $5,000 for property damage liability. The state requires these minimums to protect drivers from the heavy financial burden that usually follows a car accident. However, you always have the option to buy additional coverage, and it’s usually a good idea. If you end up in a car accident and the costs exceed your coverage, you have to come up with the difference out of pocket. 

Number of Uninsured Motorists in Massachusetts

  • Number of uninsured U.S. drivers: 12.6%
  • Number of uninsured Massachusetts drivers: 3.9%

Uninsured motorists are a big problem in Massachusetts. If you get hit by a driver that isn’t insured, chances are that you have to pay for car repairs. The best way to protect yourself financially is to invest in uninsured motorist coverage. Then if you're in a wreck with an uninsured motorist, your insurance steps in and pays for repairs, medical bills, and property damage.

Number of Auto Thefts in Massachusetts

  • National number of thefts for 1,000 vehicles: 2.94
  • Number of thefts for 1,000 vehicles in Massachusetts: 1.91

If you walked out of your office this afternoon and found that your car was missing, how would you react? Car theft is incredibly frustrating, and it happens every single day. If you become a victim, having comprehensive car insurance makes a huge difference in how you respond. If you have good coverage, you can file a police report, call your insurance company and start the process to get reimbursed for your stolen car. But without insurance, you’re left with no transportation, and you have to rely on local police to try to track down your car. If you do get it back, there’s no way to guarantee that it will all be in one piece.

Find a Great Peabody Car Insurance Policy

Selecting a new car insurance policy is a big decision. To get the best coverage, turn to our experienced Independent Insurance Agents for help. Our experienced agents can guide you toward the most comprehensive coverage options. You can compare prices with quotes on multiple policies and find a plan that works for your budget. 

If you’re ready to choose a new Peabody car insurance policy, contact an agent today for a free quote.

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