![]() ![]() ![]() You may want to consider delaying owning your own car, if possible. Many insurers give students a discount for maintaining an overall B average or better. You may be able to get a discount on your policy if you complete an approved driver training course, so you should complete one as soon as possible. Until you get enough years of driving experience under your belt, your insurance cost will be fairly high because inexperienced drivers get into more accidents than experienced drivers.īe aware that the Massachusetts Registry of Motor Vehicles keeps records of your accidents and driving tickets and insurance companies can significantly increase your premium for any new ones added to your record. If you purchase collision or comprehensive coverage, the age and cost of the car is also a factor in determining your premium. Generally, your insurance costs can double if you add all these options to your insurance. There are plenty of other features you can add to your policy. This means the insurance kicks in for any damage that costs more than the deductible. Most people buy insurance with a deductible of say $500 or $1000 in order to save money. Insurance companies set the price - or premium - for your auto insurance using several factors, such as your years of driving experience your accident and violation history and, the location where your car is usually garaged or parked. Pays for damage to your car caused by an accident, such as backing into the garage. Pays for damage to my car caused by things such as theft or from a crack in my windshield - anything but a car accident. This pays for costs above the other driver's insurance gap up to limits you choose. Some drivers don't have enough insurance to pay for your medical costs in an accident. You can buy higher coverage limits for these sections above the minimum levels. Pays for injuries to your or your passengers if you are hurt by someone who does not have auto insurance or a hit & run driver. Pays for up to $8,000 in medical expenses for you and anyone else riding in your car, regardless of who caused the accident. ![]() Pays for damage to someone else's car or property - such as a fence or building, but the minimum coverage is only $5,000. Pays for injuries to other people like pedestrians or passengers in another car, but it only covers $20,000 per person and $40,000 per accident. ![]()
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