Car Insurance in Springfield, MA
Compare, shop and customize quotes from top-rated insurance carriers.
Drive Safely in Springfield
As one of the economic centers of Massachusetts, Springfield boasts a variety of industries. As a result, it attracts a wide range of people, and the population is around 155,000.
Whether driving around the city, visiting Boston or driving to one of the various hiking trails, many residents need reliable transportation. If you are new to the area, or you are looking to change your car insurance, it is important to ensure you have the appropriate coverage for state requirements and your needs.
One of the concerns about driving in Springfield is the winter weather. It receives an average of 40 inches of snow every year, which is higher than the country's average. Snow and a variety of other factors result in an average of 11 fatality crashes every year.
Reasons to Obtain Car Insurance in Springfield, MA
For its size, there is a good and reliable public transportation system. However, for those who want more independence and for those who want to explore the nearby mountains and larger cities, such as Boston and New York, having a vehicle is a good idea.
However, the state requires all drivers to carry adequate coverage. It is worth taking the time to research options for car insurance in Springfield, MA.
Types of Car Insurance Coverage
When buying car insurance, there are required and optional coverage features and VIU by HUB can walk you through them. The State of Massachusetts requires the following coverage types:
- Personal Injury Protection: PIP covers damages for you or anyone else driving your car, passengers in the vehicle and pedestrians. It pays for medical expenses, a maximum of 75% of lost wages and a maximum of $8,000 for replacement services.
- Bodily Injury to Others: This protects you or another driver of your vehicle in the event you are liable for someone else's injury or death while operating your car. You must carry a minimum of $20,000 per injured individual and $40,000 if more than one individual suffers injuries.
- Bodily Injury by Uninsured Auto: This coverage covers damage caused to you, another driver of your car and passengers if injury occurs due to an uninsured or hit-and-run driver. You must carry a minimum of $20,000/individual and $40,000/total.
- Property Damage: This covers you or another driver if you cause damage to another's property. You must carry a minimum limit of $5,000.
In most situations, you can personalize your policy. You can opt to carry more than the minimum required limits. Optionally, you can also add medical payments as well as comprehensive and collision coverage.
Cost Considerations for Car Insurance in Springfield
At VIU by HUB, we want you to get a competitive rate for your car insurance in Springfield, MA. The average annual cost of car insurance in the city is $1,039. However, various factors affect the cost, such as:
- Age of driver
- Driving record of the driver
- The make, model and year of the vehicle
- Driver's neighborhood and if there is a garage in which to park the car
There are also ways you can save money on auto insurance. These may include combining your car and home insurance policies, insuring more than one person with the same company and installing safety features in the vehicle. There may also be a good student discount.
At VIU by HUB, we understand all aspects of car insurance in Springfield, MA. We also obtain policy quotes from multiple insurance companies so that you can make an informed decision.
This information is intended for general informational purposes only and is not intended to constitute legal advice.