Boston Car Insurance = Insurance Company Free For All

Carry Boston car insurance, beware the free charging insurance companies, and above all never, ever let your car stand in a prohibited area.

Boston car insurance is not a historical part of the city’s laws.

Boston is one of those cities that is so rich in our country’s history that tourists make it a travel destination year after year. And when it comes to car insurance rules and regulations, it may just be one of those cities that is truly better enjoyed as a frequent visitor than a resident.

No Car Standing in Boston

Okay, the following law is actually on the books in Boston:

“No person shall allow, permit, or suffer, any vehicle registered in his/her name to stop, stand, or park in any street, way, highway, road, or parkway under the control of the City in violation of any of the Rules and Regulations of the Transportation Commission and/or the Commissioner of Transportation of the City of Boston. No driver shall stop, stand, or park a vehicle in any of the following places, except when necessary to avoid conflict with other traffic, pedestrians, or in compliance with the lawful direction of a police officer or official traffic sign, signal, marking, or device.” (cityofboston.gov)

All I can say to this is that unless your car is a Transformer, if you can get it to stand you should be able to do anything you want with it.

Boston Car Insurance Requirements

To drive in the city of Boston, you have to comply with the Boston car insurance requirements that are set by the state of Massachusetts. Since the state sets the requirements, you are okay with car insurance purchased anywhere in Massachusetts as there are no special Boston requirements. The only thing you have to make sure of is that you have no less than the minimum required car insurance coverage.

The absolute minimums in car insurance coverages you are allowed to have and still legally drive are:

Bodily Injury to Others: $20,000 per person; $40,000 per accident

Personal Injury Protection (PIP): $8,000 per person, per accident

Bodily Injury Caused by an Uninsured Auto: $20,000 per person; $40,000 per accident

Damage to Someone Else’s Property: $5,000 per accident

(Mass.gov)

Boston Car Insurance Premiums

In 2008, the state of Massachusetts deregulated insurance. Deregulating insurance basically means that the state open the doors for the insurance companies in the state to charge whatever they saw fit for insurance premiums. The state does not approve premium increase requests, they don’t tell the insurance companies what they can charge, and they don’t step in if they feel that an insurance company is charging more than it should.

The only time the state will step in is if you feel you have been tricked or have been treated unfairly by your insurance company. In other words, if you and your next door neighbor have the same insurance company, drive the same car, but your premium is higher because you are a different race, that’s when the Attorney General will step in.