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You must have automobile insurance if you want to drive a vehicle on any public roadway in the state of Massachusetts. That's the law - and Massachusetts is very strict about enforcing that law. The penalties for being caught driving without insurance are costly - and the potential consequences of being in a severe accident without insurance are just too devastating to contemplate.

Drivers are much better off simply finding ways to get the best rates on automobile insurance in Massachusetts and saving enough money to make their insurance affordable each month.

There are several simple things that most Massachusetts drivers can do to lower the cost of their automobile insurance. If just one suggestion in this article applies to your situation you could still potentially save hundreds of dollars each and every year.

Can you keep your car in a garage at night? If so, let your agent know as this could save you money.

If you are considering purchasing a new car, talk to your agent first. Some new cars cost a lot more to insure than others and your agent will be happy to give you a list of those which cost the least to insure.

Keep your driving record clean. Do not get speeding tickets or any other moving violation placed on your driving record if you are serious about getting the best rates on automobile insurance in Massachusetts.

Have your premiums paid automatically each month out of your checking account. If your insurance company does not have to send you a monthly bill they lower your premium a bit.

Consolidate all of your insurance polices with the same company. This will give you a Multi-Policy Discount on your automobile insurance.

Carpooling to work means you will drive back and forth to work less often each month and that will save you money on your insurance each and every month.

If you stop working for any reason and you are no longer making the commute back and forth to work every day make sure your agent knows about it as that can save you quite a bit on your premium each month.

Use public transportation whenever possible. If you can keep your driving to under 500 miles each month you can save quite a bit through a Low Mileage Discount.

Drivers under 25 can save 5% or more each month just by staying in school and maintaining at least a "B" grade average.

Drivers over 55 may be able to shave 10% off their premium by passing a special driver's refresher course that's offered by some insurance companies. Ask your agent if your company participates in this program.

Can you afford to increase your deductible? Increasing your deductible is probably the fastest and easiest way to lower your monthly premium payment, but keep in mind that you will have to come up with the cash to pay your deductible out of your own pocket if you should ever have a claim, so don't offer to pay more than you can really come up with.

Don't make small claims. The longer you can go without making a claim on your insurance the lower your rates will be.

Lastly, jump online and find at least 3 different automobile insurance price comparison websites that will let you compare automobile insurance prices here in Massachusetts. Carefully fill out the forms on a minimum of 3 different comparison websites and make certain that you put the same information into the form on all 3 sites. This way you will be comparing the same insurance policy each time.

Now simply look at all of your results and pick the lowest priced policy you can find. That's all there is to it! Now you know just how easy it really is to get the best rates on automobile insurance in Massachusetts.