Yarmouth Car Insurance

Accidents can happen anytime, anywhere and to anyone, especially in the winter when roads can be slippery. That is why car insurance is so important. From fender benders on Route 28 to serious collisions on the Mid-Cape Highway, a good policy can shield you from large financial losses as a result.

Independent insurance agents make it easy to find the best auto insurance policy to meet your coverage and budgetary needs. Contact an insurance agent in or near Yarmouth if you want to learn more or if you are ready to start comparing customized car insurance quotes.

How Much Does Car Insurance Cost in Yarmouth, MA?

The average cost of car insurance in Massachusetts is higher than the national average. Taking the time to shop around and compare rates has the potential to save you 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 differ, not just from the average rate shown above, but from each other. This is because each insurance company has its own method for calculating rates. Your quoted costs will be based on a number of factors such as the following information.

• The make, model, and year of the vehicle(s) you are insuring
• Your age, gender, occupation, and marital status
• Your driving record and the records of other licensed drivers in your household
• Whether you own or rent your home
• The amount of liability insurance you are purchasing
• The optional coverage you are including in your policy
• The size of your deductible

If you are bundling your car insurance with other coverage like home insurance or renters insurance, you may be able to get significant discounts on each of your policies.

You may also be entitled to other potential discounts such as if you have a safe driving record or you have a teen driver in your household who is a student with good grades.

What Does Yarmouth Car Insurance Cover?

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

You can expect most insurance providers to offer the following types of coverage.

• Liability insurance (required):  This covers other people’s injuries and property damage if you cause an accident. Your policy must include the following coverage.
  • bodily-injury liability coverage of at least $20,000 per person and $40,000 per accident; and
  • property damage liability coverage of at least $5,000 per accident.
• Personal injury protection (PIP) (required): This pays for medical expenses for you and your passengers if you are injured in a collision, regardless of fault. Your policy must include at least $8,000 in PIP coverage.
• Uninsured motorist insurance (required): This provides coverage if you are in a collision with an uninsured, underinsured, or hit-and-run driver. Your policy must include uninsured bodily injury coverage at least $20,000 per person and $40,000 per accident.
• Collision and comprehensive insurance (partially optional): Both types of insurance cover damage to your own vehicle. Though optional by law, they are often required by lenders until your car is paid in full and by dealerships if you have your vehicle on a lease.
  • Collision insurance: This pays to repair or replace your vehicle if it is damaged in a collision, regardless of fault.
  • Comprehensive insurance: This pays to repair or replace your vehicle if it is lost or damaged due a non-collision event like a flood.
• Towing and roadside assistance (optional): This pays for any needed assistance if your vehicle becomes disabled while you are out on the road, such as if you get a flat tire or run out of gas.
• Rental reimbursement coverage (optional): This pays for the cost of renting a replacement vehicle while repairs are being made to your car following a covered event.

If you want to have even more liability coverage than your car insurance can provide, you may also want to consider purchasing an umbrella insurance policy. This is an affordable way to significantly boost all of your personal liability coverage.

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What Is the Penalty for Driving without Insurance in Yarmouth?

Driving without insurance is illegal in Massachusetts. If caught, uninsured drivers can face the following penalties.

• A civil motor vehicle infraction (CMVI) conviction
• A fine ranging from $500 to $5,000
• The suspension of their driver’s license for 60 days to one year
• A reinstatement fee of $500
• Incarceration for up to one year for repeat offenders
• Higher car insurance rates

Massachusetts has some of the toughest consequences for uninsured driving in the nation. It should therefore come as no surprise that this state 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%

Uninsured motorist insurance lets you rest assured that if you are injured in a collision caused by an uninsured driver, and your medical costs exceed what your PIP can pay for, you will receive the compensation you are due without needing to go through expensive lawyers or time-consuming lawsuits.

How High Is the Auto Theft Rate in Yarmouth?

The auto theft rate in Massachusetts is lower than the national average, and in Yarmouth the risk is even lower. Residents of this town reported just five auto thefts last year.

• National auto theft rate per 1,000 vehicles: 2.29
• Massachusetts auto theft rate per 1,000 vehicles: 0.96
• Yarmouth auto theft rate per 1,000 vehicles: 0.22

The current auto theft rate may not give a complete picture. The average number of car thefts in Yarmouth over the last decade was 16 thefts per year.

In order for you to be reimbursed for an auto theft, your car insurance policy must include comprehensive coverage. This insurance can cover a wide range of other non-collisions hazards like garage fires, floods, and falling objects.

If you are still paying for your car if you have it on a lease, you probably have comprehensive coverage already. If not, you may want to look into how much it will cost for you to add this “other than collision” coverage to your car insurance policy.

Why Ask an Independent Agent for Help Finding the Right Car Insurance Policy?

Independent agents can be very helpful when you are looking for the best car insurance to meet your coverage and budgetary needs. These experienced professionals can explain your coverage options, answer your insurance-related questions, and provide you with quotes from multiple providers.

Discover the many benefits of working with an independent agent. Contact an insurance agent with an office near you to set up an obligation-free consultation.