Auto Insurance
Auto Insurance, Made Clear
Auto insurance is really just a handful of coverages doing very different jobs — and a few choices that quietly decide what you pay. Here's what each part actually does, so you can choose with confidence instead of guessing.
What your auto policy actually covers
Liability (the part your state requires) — Pays for the other person's injuries and property when you're at fault. Written as three numbers like 100/300/100, and it protects your savings, not your car.
Collision — Repairs or replaces your vehicle after a crash, no matter who's at fault.
Comprehensive — Covers the non-crash stuff: theft, fire, vandalism, weather, and the classic deer in the road.
Uninsured / underinsured motorist (UM/UIM) — Covers you when the at-fault driver has no insurance, or not enough. More common than people expect.
Personal injury protection (PIP) / medical payments — Covers medical costs after an accident regardless of fault. In Massachusetts, a no-fault state, PIP is mandatory.
What actually moves your premium
A few levers do most of the work: your driving record, the vehicle itself (repair cost and theft rates), where you park it, how much you drive, and the coverage and deductible choices you make. Worth knowing — many states let insurers use a credit-based score, but Massachusetts doesn't, so in-state your record and history carry more of the weight.
The choices that matter most
- How much liability to carry — think about what you'd need to protect if you caused a serious accident; state minimums are often far below that.
- Whether to keep collision and comprehensive — generally worth it while your car holds value; as it ages, there's a point where the premium outweighs the likely payout.
- Your deductible — a higher one lowers your premium but means more out of pocket at claim time; the right balance depends on your savings cushion.
These are starting points for thinking it through, not a recommendation for your specific situation. Sage AI can walk through your scenario, and a licensed agent can confirm before you bind.
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Quick answer: What does 100/300/100 mean?
Three liability limits: $100,000 for injuries to any one person, $300,000 total per accident, and $100,000 for property damage. Higher numbers protect more of your assets if you're at fault.
Liability limits
Liability coverage pays for the injuries and property damage you cause to others — and the limits you choose decide how much protection, and how much of your own assets, are on the line. Here's how the numbers work and how to think about how much to carry.
Collision & comprehensive
Collision and comprehensive are the two coverages that pay to repair or replace your own vehicle. They're optional unless a lender requires them, and the decision comes down to your car's value and your deductible. Here's how each works.
Deductibles
Your deductible is what you pay out of pocket before insurance covers the rest of a claim. It's one of the few levers you directly control — trading monthly premium against cost at claim time. Here's how to think about it.
Uninsured & underinsured motorist
Uninsured and underinsured motorist coverage protects you when the at-fault driver can't cover the damage they caused. Here's what it covers and why it matters more than people expect.
What moves your premium
A handful of factors do most of the work in setting your auto premium — and some surprise people. Here's what actually moves the number, and what does and doesn't apply in Massachusetts.
Massachusetts requirements
Massachusetts runs its auto insurance system differently from most states — no-fault, mandated coverages, and some banned rating factors. Here's what the Commonwealth requires and how it affects what you pay.