Car Insurance Agents in Natick, MA
Without car insurance, you might be violating the law. You are also opening yourself up to financial issues and personal liability if you are in an accident. Car insurance protects your vehicle from damage and protects you from injury and financial losses in the event of an accident. It can also protect you from financial losses caused by vehicle theft, vandalism, or damage in a natural disaster.
Connell & Curley Insurance Agency can help you determine what type of car insurance is right for you. Our insurance professionals have decades of experience helping drivers in our community protect their investment and avoid financial losses and legal liability in accidents. Call to explore your options for car insurance in Natick, MA.
What Is Car Insurance?
Car insurance is similar to health insurance in that it protects you against financial losses if you are in an accident or if your vehicle is damaged or stolen. Massachusetts requires you to have the minimum amount of liability insurance coverage, property damage liability coverage, bodily injury to others coverage, personal injury protection, and uninsured/underinsured motorist coverage. When you pay a monthly, quarterly, or annual premium to your car insurance company, the company will pay a certain percentage of the cost of vehicle damage, medical bills, lost wages, and other costs associated with your accident.
Types of Car Insurance Coverage
The cost of your auto insurance will depend on your gender, age, driving record, type of vehicle, location, and the type of car insurance coverage you choose. In Massachusetts, you are required to hold a certain level of car insurance coverage:
- Bodily Injury to Others – $20,000 per person or $40,000 per accident
- Personal Injury Protection – $8,000 per person per accident
- Bodily Injury Caused by an Uninsured Auto – $20,000 per person or $40,000 per accident
- Damage to Someone Else's Property – $5,000 per accident
We will make sure you choose the right level of coverage and type of car insurance for your needs, budget, and lifestyle. The most common types of car insurance coverage are:
- Liability Coverage – Liability coverage pays for the cost of damage to property, other vehicles, and bodily injuries to other drivers and their passengers.
- Comprehensive or Full Coverage Auto Insurance – Full coverage auto insurance protects your car from damage due to theft, glass damage, vandalism, and acts of nature.
- Collision Coverage – Collision coverage protects your vehicle if it is in an accident with another vehicle or object.
- Personal Injury Protection (PIP) – Personal injury protection covers your medical bills and those of your passengers if you have injuries in a car accident.
- Uninsured/Underinsured Motorist Coverage – Uninsured or underinsured motorist coverage protects you from damage and injury caused by a driver who has no insurance or not enough coverage.
- Property Damage Coverage – Property damage coverage pays for damage caused to someone else’s property in a car accident.
- Optional Coverages – You also have the choice of optional coverages like rental car reimbursement, roadside assistance, medical payment coverage, and enhanced bodily injury coverage.
Benefits of Car Insurance
Even when you drive very carefully, you are still at risk of an accident due to another driver’s negligence or poor driving. Car insurance protects you from financial losses due to a car accident, including legal fees, medical expenses, lost income, damage to your car, injury to your passengers, and other types of damage. You will pay less out of pocket if you are in an accident than you would if you didn’t have auto insurance. Auto insurance also protects your vehicle from devaluation and protects you against a lawsuit. You will also enjoy greater peace of mind and less stress. In the state of Massachusetts, you are required to have car insurance and can be fined or have your vehicle or license taken away from you if you are driving without insurance.
Why Choose Connell & Curley Insurance Agency
At Connell & Curley Insurance Agency, we are experts at helping people in our community find the right type of car insurance for their needs. We are professional, licensed car insurance agents who are committed to protecting you from financial losses related to car accidents. We go the extra mile to help you find the right insurance policy, and we also assist with filing and tracking auto insurance claims. We will work closely with you to help you decide which car insurance company you want to work with and what coverage is right based on your budget, lifestyle, driving record, and more. We offer highly personalized policy options and competitive rates. Our expertise in car insurance makes us the natural choice for people who need extra coverage or boutique auto insurance services.
Call to Explore Your Car Insurance Options
We want to help you make the best choice of auto insurance policy in Natick, MA. We can answer your questions, explain different coverage options, and make sure you fully understand your options for car insurance coverage. Call or contact us online to get your personal auto insurance quote or learn more about choosing the right type of car insurance coverage.