Quote:
Originally Posted by themann1984
3. Massachusetts is the worst auto insurance market the in country. The state pretty much tells companies what to charge. As a result, you can't get insurance from most of the big companies (Allstate, State Farm, etc.). You can only purchase from small companies that operate only in Massachusetts because it is such a niche market. Savings like that aren't going to be seen in many other locations.
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This has changed a little bit over the last 2 years. Insurance companies now have the option to change their "rate" once a year at the beginning of each year by submitting a adjustment to the state review board. Previously the insurance companies made a request to change the rate (always up of course) and then the state would set the global rate that all companies would use. At least there is some competition now. Insurance companies are also now a little more free to offer additional discounts for things like driver training, student honor role etc. Most insurance in the state is still operated by "agents" but they are just the middleman for the insurance company.