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Massachusetts Auto Insurance
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The value of good auto insurance often doesn't become apparent until
you really need it. Whether it's a minor fender bender or a more substantial accident, it pays to have Massachusetts auto insurance coverage you can count on. |
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Let one of our experienced Massachusetts auto
insurance policy specialists explain the different Liability limits, Comprehensive, Collision, Personal Injury Protection, Uninsured Motorist, Medical coverages, and deductibles that are available for you to choose from. We offer affordable truck and car insurance policies from a leader in the insurance industry. |
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Learn more about Massachusetts Auto Insurance
policy coverage options below! |
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Click on the link below to fill out a secure online quote request form for a
Massachusetts Auto Insurance policy that will provide excellent auto insurance coverage at an affordable cost. Or you can speak with one of our Massachusetts Auto Insurance agent specialists at our Lawrence, MA location by calling (978) 683-4700 or our Methuen, MA location at (978) 681-8200 to discuss the policy features in more detail. |
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We are a full service insurance agency with two offices in Essex County, MA offering
affordable Massachusetts auto insurance policy premiums in the following cities and counties: Lawrence, Methuen, Haverhill, Andover, Boxford, Georgetown, Groveland, Byfield, Merrimac, Newbury, Amesbury, Salisbury, Shawsheen Village, Ballardvale, Wamesit, North Andover, Dracut, Lowell, Chelmsford, Tewksbury, Collinsville, Billerica, River Pines, Nabnaset, Dunstable, Pepperell, Groton, Tyngsoro, Westford, North Billerica, West Andover, Wilmington, Silver Lake, Nutting Lake, Reading, Pinehurst, Burlington, Bedford, Hathorne, Middleton, Lynnfield, Danvers, Hamilton, Topsfield, Plumbush, Newburyport, Salisbury Beach, West Newbury, South Byfield, Little Neck, Rowley, Ipswich, Marlboro, South Hamilton, Beverly, Gloucester, Manchester-by-the-sea, Rockport, Long Beach, Pigeon Cove, Wenham, Boston, Salem, Peabody, Wakefield, South Lynnfield, Woburn, Saugus, Lexington, Winchester, Stoneham, Greenwood, Arlington, Medford, Melrose, Everett, Revere, Chelsea, Marblehead, Swampscott, Nahant, Lynn, Cliftondale, North Saugus, Somerville, Belmont, Cambridge, Waltham, East Arlington, Concord, Carlisle, Middlesex County, Norfolk County, Worcester County, Plymouth County, and Suffolk County, MA. We can also offer Massachusetts auto insurance coverage services throughout the Bay State, including in Worcester, Framington, Leominster, Fitchburg, and Springfield, MA. |
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Covers damage caused to the owners auto from a collision caused by another auto or
other object. The deductible is the amount you choose to pay upfront (if any) before the auto insurance policy pays. The higher the deductible chosen the lower the collision coverage cost within the Massachusetts auto insurance policy. |
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Covers damage caused to the insured's auto (your automobile) from risks such as theft,
fire, falling objects, earthquake, flood, missiles, explosion, riot and civil unrest. The deductible is the amount you choose to pay upfront (if any) before the auto insurance policy pays. The higher the deductible chosen the lower the comprehensive coverage cost within the Massachusetts auto insurance policy. |
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Massachusetts Bodily Injury Liability
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Injuries that you (insured) cause to someone else is covered under this part of an
auto insurance policy. The minimum liability insurance coverage available for purchase in Massachusetts is 20/40 and is explained in detail below. However, we recommend that you choose liability insurance coverage amounts that are much higher than the minimums listed below. Contact us to discuss what liability coverage amounts you require to meet your family and personal needs. |
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Massachusetts Liability Coverage limits explanation:
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20/40/5 20=$20,000 - 40=$40,000 - 5=$5,000
First number = bodily injury liability maximum for one person injured in an
accident.
Second number = bodily injury liability maximum for all injuries in one
accident.
Third number = property damage liability maximum for one accident.
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Masaachusetts Property Damage Liability
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Damage caused by the insured (you) to someone else's property, such as a
motorcycle, car, truck, fence, or house, is covered through property damage auto insurance coverage. This coverage also assists in protecting you if a lawsuit arises from an accident. The minimum coverage amount in Massachusetts is $5,000. |
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Medical payments coverage pays for the medical and funeral expenses for you or
others hurt or killed in an accident while riding in or driving your car or truck. Claims against this coverage include all reasonable hospital, surgical, chiropractor, X-ray, dental, professional nursing, prosthetic, and funeral expenses. It will also cover you or members of your family if you are hit by a car when you are walking or if you are riding in another car or truck. This coverage will pay for your medical and funeral expenses even if you cause the accident. The coverage is often limited to medical care you get in the first one, two, or three years after the accident and is limited to a specific dollar amount. This is a required Massachusetts Auto Insurance coverage. |
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Massachusetts does require "No Fault" insurance coverage. This coverage pays
medical bills for injuries suffered in an auto accident regardless of who caused the accident. |
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Benefits Provided Include:
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Pays 80% of all reasonable expenses for necessary medical, surgical, x-ray, dental
and rehabilitative services, including prosthetic devices, wheelchairs, crutches, slings, neck braces and splints (including necessary travel related to medical care.) |
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Necessary remedial treatment (nursing home care or home nursing care).
Pays 60% of gross income loss caused by inability to work because of an injury
suffered in an accident.
$5,000 death benefit
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Covers the insured (you) for your bodily injury caused by a hit-and-run driver or an
at-fault driver who has no auto liability insurance. This coverage is required for Massachusetts Auto Insurance. Contact us to discuss what uninsured coverage amounts you require to meet your family and personal needs. |
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Example of uninsured motorist limits:
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20/40 20=$20,000 - 40=$40,000
First number = uninsured motorist maximum for one person injured
in an accident.
Second number = uninsured motorist maximum for all injuries in one
accident. |
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This coverage comes into play when an at-fault driver has auto or motorcycle
liability insurance, but the limit of insurance is inadequate to pay for your damages. |
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Underinsured Motorist Bodily Injury Coverage
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This type of auto insurance coverage pays for your medical expenses, lost wages,
and other damages when you or your passengers are injured in an accident caused by a driver who has insufficient auto or motorcycle insurance coverage. The auto insurance coverage typically pays the difference between the coverage limit you select and the other driver's bodily injury coverage limit. This is not a required auto insurance coverage in Massachusetts. |
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Underinsured Motorist Property Damage Coverage
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Protects you if your auto is damaged in an accident caused by a driver who has
insufficient auto insurance coverage. This coverage pays the difference between the coverage limit you select and the other driver's property damage coverage limit. This is not a required auto insurance coverage in Massachusetts. |
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Massachusetts Auto Insurance FAQ
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Click on the link below to fill out a secure online quote request form for a
Massachusetts Auto Insurance policy that will provide excellent auto insurance coverage at an affordable cost. Or you can speak with one of our Massachusetts Auto Insurance agent specialists at our Lawrence location by calling (978) 683- 4700 or our Methuen location at (978) 681-8200 to discuss the features. |
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**The information, pictures, and other content in this website about particular insurance
services is only provided for informational purposes. Any decisions regarding your insurance needs should be discussed with a licensed insurance agent. |
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Massachusetts Auto Insurance FAQ
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Massachusetts Auto Insurance FAQ
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Massachusetts Auto Insurance FAQ
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Massachusetts Auto Insurance FAQ
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Massachusetts Auto Insurance FAQ
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Massachusetts Auto Insurance FAQ
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Having a teenager included on your auto insurance policy will always cost substantially
more, but there are ways to reduce the premium increase. |
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The best cars for teen drivers are slower, bigger cars with a lot of safety features.
Teenager's are more prone to accidents, especially ones caused by speeding. A disproportionate number of teenage car accidents involve only one vehicle. |
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Make sure your teen drives safely. One speeding ticket or fender-bender can send your
teenager's auto insurance rates sky high. Require that they take a drivers education class at their high school or local DMV. |
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Good student teen driver insurance rates can save up to 25% on your teenager's auto
insurance if a "B" average is maintained. |
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Assuming your teen keeps a good driving record, the cost of insuring them will decrease
as they get older. |
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Auto Insurance endorsements are policy extras for services such as towing insurance,
auto glass insurance, daily rental insurance, and emergency roadside insurance. |
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These auto insurance policies are not required by any state, but many drivers choose
these services for the added security and convenience they provide. |
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Massachusetts Rental Car Insurance
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Covers the cost of a rental car while your insured car is being repaired because of a
covered event. |
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Massachusetts Emergency Roadside Insurance
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Covers repairs done at the location of your automobile problem (roadside). This policy is
often combined with auto towing coverage and called Roadside Emergency Towing Insurance. Changing a flat tire on the roadside may also be covered, but you will need to pay for repairs received at the garage or other repair location. |
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Massachusetts Auto Glass Insurance
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Offers a lower deductible or no deductible for when repairing any broken window on your
car is required. |
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Massachusetts Auto Towing Insurance
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Covers costs involved for towing your car anytime you need it.
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What information is listed in the actual auto insurance policy that you are given by the
insurance agent? Learn about the different important sections in every auto insurance policy below. |
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Declarations
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Usually listed first in your auto insurance policy and unlike the remainder of your policy,
it will have been prepared especially for you. It will list the specific auto insurance coverages and amounts that you've chosen. |
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year, make,and model of your car
VIN - vehicle identification number
date the policy is effective
policy's coverage types and limits
policy's cost - premium
name of the insured (you or you and your spouse)
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Insuring Agreement
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Lists exactly what the insurance company promises to provide in return for the
payment of your auto insurance premium. The type and amounts of each coverage you've purchased is described in detail and also outlines exactly who is covered under each provision. |
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Exclusions
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The insurance policy exclusions section is a list of all possible circumstances that
would free the insurance company from the responsibility of paying a claim. |
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Example: most auto insurance contain an exclusion that exempts the
insurance company from having to pay in the case of intentionally caused damage or injury. |
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Conditions
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Lists the duties and responsibilities of the insured (You) in the event of a claim
situation. Will include guidelines for contacting the insurance company, obtaining a police report, and filing a claim. Information on auto insurance policy cancellation will be outlined here, too. |
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Click on the link below to fill out a secure online quote request form for a
Massachusetts Auto Insurance policy that will provide excellent auto insurance coverage at an affordable cost. Or you can speak with one of our Massachusetts Auto Insurance agent specialists at our Lawrence, MA location by calling (978) 683-4700 or our Methuen, MA location at (978) 681-8200 to discuss the policy features in more detail. |
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Auto Insurance
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Massachusetts
Personal Insurance
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Answer a few questions and
we will provide you with an insurance quote by email, phone or fax. Choose the Massachusetts personal or business insurance coverage you're interested in from the option menu list above. |
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T. A. Sullivan Agency
344 South Union Street
Lawrence, MA 01843
Essex County, Massachusetts
(978) 683-4700
Fax: (978) 794-8570
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T. A. Sullivan Agency
369 Merrimack Street
Methuen, MA 01844
(978) 681-8200
Fax: (978) 681-7775
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T. A. SULLIVAN
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AGENCY, INC.
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Massachusetts Auto Insurance
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Since 1963
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T. A. Sullivan Agency, Inc.
Copyright 2001-2010 All rights reserved
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Website Designer & Maintained by InsuranceWebsiteServices.com
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