Car Insurance

Keeping You Safe, Both On and Off the Road.

Car InsuranceIt’s easy to get overwhelmed by the number of car insurance options available here in Massachusetts. At Phil Richard Insurance, we will carefully explain the alternatives so you can make the most informed and affordable decision. From accident forgiveness to annual mileage discounts, our experienced agents will create an all-inclusive auto insurance policy just for you.

Car Insurance Key Facts

  • A typical auto policy covers you in six areas: bodily injury, personal injury, property damage, collision, comprehensive, and underinsured or uninsured motorist. Each of these coverages is priced separately.
  • Massachusetts requires all drivers to have auto liability insurance. The insurance industry recommends you purchase a minimum of $100,000 bodily injury protection per person and $300,000 per accident.
  • ​The factors that affect your car insurance premium include your driving record, mileage, place of garaging, as well as, your years of driving experience and the year and make of the vehicles you drive.

Phil Richard Insurance’s personal lines team is ready to inform and advise you on how you can find the right car insurance coverage for the most affordable cost.

Get a Real-Time Quote

Frequently Asked Questions

Will my auto insurance policy cover my rental car when I’m on vacation?
Am I responsible for an accident that occurs if my under-18 licensed child is driving my vehicle?
Will my auto insurance policy cover me if I decide to use my vehicle to provide rides to strangers for a fee, or allow my car to be rented through a car-sharing service?