Gathering quotes from a variety of insurers can allow young and older motorists alike in the Bay State to determine which companies and policies can offer the lowest prices. To gather estimates, Massachusetts motorists would typically have to contact insurers individually, but with the assistance of the Internet a person can amass dozens of quotes in what typically takes only a matter of minutes. Researching a wide range of prices is an especially helpful tool for high risk motorists because it may increase one’s chances of finding an affordable protection plan. Insurance companies typically vary in how they determine rates and as a result prices can vary dramatically on a person to person basis. Although many insurers prefer to cover low risk or preferred drivers, there are others that specialize in high risk motorists as well.

Because one’s driving record plays such a large part in how rates are determined, it’s typically beneficial for young motorists to make the effort to be removed from the high risk category entirely by becoming skilled and conscientious drivers. To assist parents in helping their teenagers become better motorists, the Massachusetts Department of Insurance provides a Parent’s Guide on Junior Operator License Laws and a wealth of additional information. Parents and teenagers alike should note that being a good driver, and even a good student, can usually amount to decreased coverage costs. Many insurers provide young drivers with good driver discounts for going an extended period without any accidents or citations, and additional good student discounts for maintaining an exceptional grade point average (usually 3.0 GPA or higher). By using the many resources that are easily available to residents and striving to either become or remain good students and drivers, young motorists in MA have an excellent chance of finding an affordable protection plan.