Auto Insurance Overview

It’s easy to get overwhelmed by the number of auto insurance options available here in Massachusetts. Serving the North Shore for over two decades, at Phil Richard Insurance, we will carefully explain the alternatives so you can make the most informed and affordable decision. From accident forgiveness to annual mileage discounts, our experienced 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?

Typically, either your current insurance coverage or your credit card will cover your rental car when you are on vacation. You should check with your insurance agent or provider, or credit card company before picking up your rental car. And just to be safe, ask the rental company about replacement cost, loss of use and any restrictions on use of the vehicle before you drive it away.

Am I responsible for an accident that occurs if my under-18 licensed child is driving my vehicle?

You will be presumed legally responsible for any accident incurred by your under-18 licensed child involving your vehicle unless you can prove that you were not the reason behind your child operating your car. For instance, if your child takes the car to buy groceries at your request, he is acting as your agent and you are responsible. If your child uses your car to go to the movies with his friends, he is not acting as your agent and as a result, you would not be responsible.

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?

Most Massachusetts-based insurers will not consider using your vehicle for a car or ride-sharing service “permissible use,” and are unlikely to cover claims arising from such use. We recommend that you check with the specific car sharing service to see what they offer for insurance coverage. Then it’s best to consult your agent before allowing your car to be driven by anyone besides you or someone in your immediate household.

Auto Insurance Service Area

Phil Richard Insurance, located in Danvers, MA, offers Auto Insurance services to the North Shore of Massachusetts including but not limited to Danvers, Peabody, Beverly, Salem, Newburyport, Ipswich, Rockport, Gloucester, Marblehead, Swampscott, Amesbury, Georgetown, Lynnfield, Middleton, Hamilton, Wenham, Greater Boston Area, and more. We also serve New Hampshire, Connecticut, and Maine.

See what our clients have to say:

I Just wanted to tell you how much I enjoy working with Jackie Montes. She’s the best! She’s efficient, professional, and always on the ball. It’s a pleasure to deal with her!! She has helped me out tremendously with getting all our insurance requirements for the Compliance Depot (nightmare!) and I can always count on her to get my COI out in a timely manner. I never have to worry about anything when I deal with her.

Excellent staff member!!

Tina W. April 19, 2017

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27 Garden Street

Unit 1B
Danvers, MA 01923


Office Hours


Mon – Fri: 9am – 4:30pm

Sat – Sun: Closed



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