How To Compare Low Cost Automobile Insurance In Massachusetts

It’s the law: if you are going to drive a motorized vehicle in Massachusetts state you must buy automobile insurance. Failure to buy automobile insurance can result in stiff fines and penalties and the possible confiscation of your driver’s license and the impounding of your automobile.

Some cars cost a lot more to insure than others. If you are planning on getting a new car talk to your agent first about the cost of insuring the make and model you have your eye on. Better yet, ask your agent for a list of vehicles which cost the least to insure and make your choice from among those. Increasing your deductible is a sure-fire way of lowering your monthly premium payment, but don’t promise to pay more than you can actually afford – remember, if you ever have a claim you’ll have to come up with your deductible in cash before your vehicle will be repaired. Lastly, find at least 3 websites that permit you to compare the cost of automobile insurance between different insurance companies. Using the information you have gathered from this article fill out the forms on at least 3 different websites, being careful to put the exact same information onto all three websites. In this way you make certain that you are comparing the same automobile insurance policy all 3 times.

Where to Find an Affordable Massachusetts Health Insurance Plan

In this day and age of skyrocketing medical costs, health insurance is something you can’t afford to be without. Here’s how to find an affordable Massachusetts health insurance plan.

Exploring Your Options

Most people get health insurance through their employers. However, if you’re unemployed or your company doesn’t offer health insurance, there are still ways for you to get coverage:

* If you left a job that offered health insurance, look into COBRA coverage. COBRA lets you remain covered under your former employer’s health insurance plan for a few months at your own cost.

* Look into the state health insurance programs. These programs provide health insurance for Massachusetts residents who can’t afford private insurance. You can learn more Massachusetts’s state health insurance programs by visiting the Massachusetts Division of Insurance website.

* Group insurance from an organization. Employer health insurance plans cost less because you get a lower group rate. Buying health insurance through an organization such as your college alumni group or a professional group can get you the same type of discount.

If you don’t qualify for these options, you can still buy an affordable individual health insurance plan. Many types of individual plans are available: comprehensive coverage, major medical coverage, emergency coverage, short-term coverage, PPOs, HMOs, and more.

Finding Cheap Massachusetts Health Insurance

If you decide that an individual health insurance plan is your best option, then you need to start searching for an affordable policy. An insurance comparison website is the best place to start. On such a website, you complete a form with information about yourself and your health insurance needs. You then get fast quotes from multiple A-rated health insurance companies.