Auto Insurance in Danvers, MA Overview
It’s easy to get overwhelmed by the number of car insurance policy options available here in Massachusetts. Being a Danvers, MA auto insurance provider, we have served the North Shore for over two decades and will carefully explain the alternatives so that you can make the most informed and affordable decision when choosing a car insurance policy. From accident forgiveness to annual mileage discounts, our experienced auto insurance agents will create an all-inclusive auto insurance policy just for you.
Auto Insurance Key Facts
- A typical auto policy covers you in six areas: bodily injury, personal injury, property damage, collision, comprehensive, and underinsured or uninsured motorist. Each of these coverages is priced separately.
- Massachusetts requires all drivers to have auto liability insurance. The insurance industry recommends you purchase a minimum of $100,000 bodily injury protection per person and $300,000 per accident.
- The factors that affect your car insurance premium include your driving record, mileage, place of garaging, as well as, your years of driving experience and the year and make of the vehicles you drive.
Frequently Asked Questions
Will my auto insurance policy cover my rental car when I’m on vacation?
Am I responsible for an accident that occurs if my under-18 licensed child is driving my vehicle?
However recognize that whenever you “loan” your car to anyone, you might be deemed to have “negligently loaned” your car to someone else and you might be held responsible.
Will my auto insurance policy cover me if I decide to use my vehicle to provide rides to strangers for a fee, or allow my car to be rented through a car-sharing service?
Auto Insurance Service Area
Does your small or medium-sized business utilize a car, bus, or delivery vehicle? Has the pandemic shifted your business model causing you to use a personal vehicle to deliver your commercial or business products or services? If so, you may be considering adding a...
Do you struggle, like millions of new parents across the country, to install your infant or child’s car seat into your vehicle? Do you understand the rules regarding front and rear-facing seats along with the age, height, and weight requirements needed to eventually...
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At Phil Richard Insurance, we don’t believe in wasted time or money. If you’re here, you’re looking for savings, advice, and options. We provide all three. Please fill out the form below and someone will be in touch with you shortly.
27 Garden Street
Danvers, MA 01923
Monday: 9am – 4:30pm
Tuesday: 9am – 4:30pm
Wednesday: 9am – 4:30pm
Thursday: 9am – 4:30pm
Friday: 9am – 4:30pm
Sat – Sun: Closed