Question one: Massachusetts is not necessarily a more dangerous state to drive in but it does have strict rules regarding auto insurance. It is believed that many auto insurance companies chose to not sell insurance in MA due to the state's rate-setting process where the state dictates the price for all insurers. The rates are thus set each year after an announcement by the Insurance Commissioner. CarInsurance.com believes in a free insurance marketplace where competition and good service regulates the rates, not the government. The government should protect consumers against unfair competition, but over regulation creates an insurance product that does not promote incentive to lower rates for insurance companies. In addition, it penalizes the conscientous consumer because they (the consumer) have to supplement the rates for all consumers. Question two: It could be cheaper to insure your vehicle in New York compare to Boston, you can do an auto insurance comparison using the different zip codes, but you need to register and insure the vehicle in the state in which you reside. You typically cannot live in one state and have your vehicle insured in another, different state. Start getting a car insurance quote now. Comment Update: We agree and hope that the residents of Massachusetts will force the government to change their current practices. Massachusetts is a great example of a state with over regulation in the insurance industry. Over regulation removes the competitive advantages of a free marketplace. We invite you to read more of our recent news articles about MA car insurance:
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