Car Insurance in Massachusetts

Scotti Insurance Agency

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Protection is Key

People don’t plan on being in car accidents, but there are millions of collisions every year. Most Massachusetts drivers will be in an accident at least once during their lifetime, if not several times. Car insurance, or auto insurance, gives drivers insurance coverage for the financial losses that accidents can cause.

Who Needs Car Insurance?

Everyone who drives a vehicle on Massachusetts’ public roads is legally required to maintain the state’s minimum levels of car insurance coverage. Not having a policy that meets the state’s minimum requirements could result in a ticket or more severe penalties. Additionally, anyone who doesn’t have enough insurance coverage to cover any harm or damage they cause in an auto accident will personally be responsible for the accident.

What are the Benefits of Using Scotti Insurance Agency vs. Buying Coverage Direct Online?

When you buy your auto insurance coverage through Scotti Insurance Agency, the process is easier. Rely on our years of experience to help you navigate through the coverage selection process.  Our agents are professionals who understand these coverages inside and out.  We are committed to making sure you’re spending your premium dollars wisely.  We get to know our clients – With Scotti Insurance, you’re not just a number.  And if you get into a fender bender, call us.  We will guide you through the claims process.  Also, we offer a free running registry service – for your convenience – where we will get your vehicle registered for you and take care of plate exchanges. 

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I have never in my life been into an insurance company that is more welcoming than Scotti. The moment you walk through that door, you feel like you’re part of something bigger. The staff couldn’t be nicer or more professional. You always receive excellent service. Scotti Insurance is the best.

Mike M, Google Review

Despite covid-19, this was a simple, easy transaction! They foster an environment where you feel like part of the family!

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What Type of Car Insurance Coverages Are Available to Me?

Auto insurance policies provide protection from a variety of financial losses that can be caused by car accidents. A policy might cover property damage, physical injury and other potential risks, depending on which coverages and limits a driver selects. Some common types of coverage include the following:

  • Carrier Specific Enhancements such as Accident Forgiveness and Disappearing Deductibles may be availabl
  • Personal Injury Protection, which may cover injuries that people in the drivers’ vehicle sustain
  • Bodily Injury Liability Coverage, which might cover injuries that others sustain
  • Property Damage Liability Coverage, which typically covers damage caused to other people’s property
  • Collision and Comprehensive Coverage, which usually covers damage to the driver’s vehicle
  • Underinsured and Uninsured Motorist Coverage, which helps make sure a driver is covered if another driver is responsible but doesn’t have enough insurance

Although these coverages are common, they aren’t all included in every policy. Drivers should review their insurance needs with an independent insurance agent to help determine what coverages make the most sense for them. There are insurance agents throughout the state, so it’s easy to find a local agent regardless of whether you live in Boston, MA or Springfield, MA.


How Much Coverage Should Massachusetts Drivers Have?

Legally speaking, drivers only need to maintain the state’s minimum required levels of coverage, but many drivers find that these minimal requirements don’t provide them with all of the protection they’d like. For instance, drivers often sign up for policies that have comprehensive and collision coverage so that their car is insured against damage, but these coverages are sometimes considered optional coverages.

Drivers who want help determining what levels of car insurance coverage would be good for them should talk with an auto insurance agent who serves Massachusetts. An agent can explain the different coverages that are available in more detail and provide examples of when each would be needed. Once a driver decides on what coverages they want, an agent can help them find an auto insurance policy that has the protections they’re looking for.

Car Insurance Massachusetts
Scotti Insurance

How Can Residents in Massachusetts Get Car Insurance?

For help finding Car insurance in Massachusetts, contact the independent insurance agents at Scotti Insurance Agency. Our agents can request architect policies from multiple insurance companies in the state on your behalf, and they have the expertise needed to help you determine which one is best for your situation.


For quotes or questions, reach out to the experts at Scotti Insurance Agency. We’ll be happy to assist you!

Scotti Insurance Agency

Scotti Insurance Agency

19 Mount Vernon Street
Winchester, MA 01890