Car Insurance in Lynn, MA
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Driving Around Lynn, MA
Just north of Boston, Lynn offers plenty of opportunities for you to get out and explore in your car. Within Hours suggests hundreds of places to visit within an hour of the city, including Gillette Stadium, Nashua, NH, and South Boston.
Of Lynn's 100,843 residents, City-Data.com reports that only 14,792 live and work in the city. In fact, there is an approximately 20% drop in population during the day due to workers commuting to other areas. Commuting to areas with dense traffic and high accident rates, such as Boston, can increase insurance rates.
Best Places offers additional insight into commuting in and around Lynn. Approximately 63% of commuters drive their own car alone each day, while almost 8% carpool with others and 13.5% use mass transit. This is despite the abundance of available rail and bus options from the Massachusetts Bay Transportation Authority and the Lynn Area Transit Authority.
Choosing the Correct Car Insurance Coverage in Lynn
Massachusetts is a no-fault insurance state, so all drivers must maintain personal injury protection. This covers the first 75% of your medical claims up to the required $8,000 of coverage after an accident, regardless of who is at fault. Other types of compulsory coverage include:
- Bodily injury protection: This pays for injuries to others if you or someone driving your car causes an accident in Massachusetts. Minimum coverage levels are $20,000 per person and $40,000 per accident.
- Bodily injury from an uninsured driver: This coverage protects you from injuries caused by a hit-and-run accident or an accident caused by someone without proper insurance coverage. Minimums are $20,000 per person and $40,000 per accident.
- Property damage: This pays for damage you or another driver cause to others' property while operating the covered vehicle.
Drivers can choose to increase coverage above the required minimums to suit their financial situation. Additionally, collision and comprehensive insurance can help pay for damages to your own car after an accident, theft or fire.
Property crime rates, including for auto thefts, are relatively low in Lynn, so you may consider foregoing comprehensive coverage. Before you do, however, think of the other ways that comprehensive insurance protects your vehicle. For example, it also covers damage from hail, hitting an animal and if a tree limb falls on your car. Considering the increase in coastal storms, coverage for those items can be a good idea.
Paying for Your Lynn, MA, Car Insurance
According to US News, drivers can expect to pay an average of $2,134 for full coverage car insurance in Lynn, MA. That's about $700 more than the state average. However, your rates may vary depending on factors such as your driving history and how many miles you drive each year.
There are many opportunities to save on car insurance coverage. For example, depending on the insurance carrier, Massachusetts drivers may be able to lower their premiums by taking a defensive driving class. Improving your personal credit score, avoiding driving mishaps and combining insurance are a few other ways to lower your bill.
Price shouldn't be the sole defining factor that influences your decision. Comparing rates with VIU by HUB is a great way to compare coverage levels and prices from different companies. This helps you find a policy that protects and fits your finances.
This information is intended for general informational purposes only and is not intended to constitute legal advice.