West Springfield Car Insurance

Everything You Need to Know About Car Insurance in West Springfield

Find the right car insurance policy for you.

Known as the "Crossroads of New England," West Springfield, MA is a town full of historical significance, economic stability, and family-friendly attractions. The area offers easy access to Interstate 91, the Massachusetts Turnpike and numerous railroads — meaning traffic can get congested and cause frustration. You need to have proper protection when you're on the road to safeguard yourself against any unwelcome situation that may come your way.

That's why our Independent Insurance Agents are here to help you find a comprehensive and affordable auto insurance policy. Our local agents will analyze the risks you face and compare quotes from numerous insurance carriers so you have options. You deserve to feel peace of mind when you're behind the wheel and on the busy road.

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

Your West Springfield car insurance should be personalized and customized to your unique situation. Factors such as your vehicle's age and model, as well as your driving history and average mileage, should be taken into account when determining premium and policy details. Our agents will work with you to find Massachusetts auto insurance that meets your needs and gives you 360 degrees of protection.

Massachusetts Car Insurance Requirements

  • Bodily injury liability: required
  • Property damage liability: required
  • Personal injury liability: required
  • Uninsured motorist coverage: required
  • Minimum liability limits: 20/40/5

As a Massachusetts driver, you're required to have minimum coverage of up to $20,000 for individual injury, $40,000 for all injuries and $5,000 for property damage. But if you get into an accident, medical bills and legal costs could surpass these limits and force you to pay out of pocket. Talk to an agent about purchasing a policy with higher liability limits so you can guarantee you're covered in whatever situation comes your way.

Number of Uninsured Motorists in Massachusetts

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

Because uninsured motorist coverage is required in Massachusetts, the state boasts an incredibly low number of careless drivers compared with the rest of the nation. But that doesn't mean there aren't a few left out on the road. Because receiving compensation from uninsured or underinsured drivers can be extremely difficult, you need a policy that keeps you financially stable.

Number of Auto Thefts in Massachusetts

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

Luckily, the West Springfield area doesn't see too much crime, but auto thefts and burglaries can happen without warning — despite any precautionary measures you take. The only way to ensure you're fully protected is with a comprehensive auto insurance policy that will cover you after an auto theft. Broken windows and stolen personal property can be compensated for or replaced — your feeling of safety cannot.

Find a Great West Springfield Car Insurance Policy

Our Independent Insurance Agents are here to help you find a customized West Springfield auto insurance policy. We will gladly look at your current policy and car, assess your risks and compare quotes from numerous carriers. Our agents can even look at bundling options and potential discounts to find you a policy that's affordable and in your price range. Let us help you protect your family and car from any situation that you may encounter.

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