Join Date: Apr 2015
Location: Shadow of Gillette Stadium
To the original posters point. When you cancel an Insurance policy, companies use what's called a "short rate". Which is a pro rata rate, plus a penalty. The penalty goes down, as the closer to the end of the term.
If you have other items insured with the same company, they often will pro rate a cancelation. Always, if on the same policy.
As to the Massachusetts question:
Pocahontas has nothing to do with our states Insurance. Zip, nothing, nada. Although, she is certainly out of her mind....
My policy has average Liability limits. With collision and comprehensive costs me $633. on a 15 RG S. Which is lowered from regular rates by good driving record, AAA membership, and paying in cash up front. I live in a zone 7 town. I could save $65 a year, if I dropped collision for the winter. I am not with an Insurance company that is easy have a claim with.....but, at least it's not All-State.
The reason Mass. insurance is a problem, is that we have guaranteed issue. No matter what your record, or where you live, you are able to get collision and comprehensive. Had ten previous cars stolen ? Or, a dozen at fault totals, you still get coverage. Car dealers and banks got this law enacted more than 70 years ago. Yes, the drivers sux too. But, we thrive on challenges here.....
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