Whatever vehicle you drive—car, truck, SUV, motorcycle—when you’re looking for the best personal auto insurance quote, remember that one-size-fits-all coverage does not exist. Every personal auto insurance situation is different and requires individual review and coverage recommendations that include available cost savings.

The cost of auto insurance takes many factors into account, including your vehicle’s worth, ratings and risks, your driving history, deductibles, where you live and drive, your age and driving experience, and more. Policies are also available for boats, RVs and other recreational vehicles.


We’ll go over ways you may be eligible to save on your auto insurance, including:

  • bundling home and auto insurance with one carrier
  • multi-vehicle discounts
  • discounts for preferred payment options, such as electronic funds transfers or pay-in-full
  • good driver and good student discounts
  • installation of a qualifying anti-theft device
  • membership in AAA
  • lay-up policies for motorcycles for the months you aren’t driving it


In Massachusetts, whether you drive a car, light truck or motorcycle, you are required to have four different types of auto insurance coverage: bodily injury to others, personal injury protection, bodily injury caused by an uninsured auto, and damage to someone else’s property.

The minimum required amount of coverage varies by state. However, it’s important to note that minimum coverages are relatively low and may not cover the full cost of an accident depending on the extent of injuries or damage. And you would be responsible for all costs above coverage limits.

In addition, you should have collision coverage for damage to your vehicle in the event of an accident, and comprehensive coverage for other means of damage, such as theft or vandalism. While the state of Massachusetts does not require collision and comprehensive coverage, it may be required as a condition of your car loan or lease.

At The Dowd Insurance Agencies, our experts will evaluate your specific requirements and recommend coverage and discounts matched to your needs. We’ll explain the various options for vehicle insurance quotes such as deductibles, standard and preferred auto insurance, and other coverage details, so you get the coverage you need at a price you can afford.