A policy designed to take you anywhere and everywhere you need to go. Because you’ve got places to be! And the last thing you need is costly insurance to hold you back. At Lapointe Insurance, we’ll shop from over a dozen carriers to find you the best auto insurance rates. We’ll give you choices, so you are always in the driver’s seat.
Auto Insurance
Pick the Best Auto Insurance to Fit Your Needs
When your life is complicated, having a choice is important. So your driving record isn’t perfect. Or your teenager just got their driver’s license. Whatever your situation is, we’ll find the best insurance for your needs.
At Lapointe Insurance, we provide coverage from over a dozen carriers. And we’ll work with you to find the best fit for your specific needs. Not the cheapest, not the most expensive, the best.
Try getting those options from the big carriers and you’ll have a hard time.
Options for Teen Drivers
Finding an affordable option for your teen driver can be challenging. At Lapointe Insurance, we’ll work with you and your teen to find coverage you can afford. We’ll also walk you through your options to keep your teen safe on the road.
Options for Teen Drivers
Finding an affordable option for your teen driver can be challenging. At Lapointe Insurance, we’ll work with you and your teen to find coverage you can afford. We’ll also walk you through your options to keep your teen safe on the road.
Classic Car Insurance
If you have a classic, custom, or collectible vehicle, you should consider getting classic car insurance. This special coverage reflects your vehicle’s uniqueness, quality, and value.
Standard Auto Insurance Coverages
The more you know about the insurance you are buying and how it protects you, the easier it is to make a choice. If you work with us, we’ll make sure you are completely covered, at a price you can afford.
Here are some of the basic coverages you’ll need in Massachusetts, Rhode Island, New Hampshire, and Connecticut.
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Bodily Injury Liability
To cover injuries to others while you or someone else is driving your car.
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Property Damage Liability
To pay for damage caused to someone else’s property while you or another person is operating your vehicle.
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Medical or Personal Injury Protection
To cover expenses for treating the driver and passengers of your automobile if an accident happens.
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Collision
To provide insurance if your car is damaged in a collision with another vehicle or object.
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Comprehensive
To protect you if your car is damaged by anything other than a collision.
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Uninsured & Underinsured Motorist Coverage
To pay for medical treatment for the driver or passengers in your automobile if there’s a collision with an operator who doesn’t have coverage, or doesn’t have enough insurance.
Bodily Injury Liability
To cover injuries to others while you or someone else is driving your car.
Property Damage Liability
To pay for damage caused to someone else’s property while you or another person is operating your vehicle.
Medical or Personal Injury Protection
To cover expenses for treating the driver and passengers of your automobile if an accident happens.
Collision Coverage
To provide insurance if your car is damaged in a collision with another vehicle or object.
Comprehensive Coverage
This is the protection you need if your car is damaged by anything other than a collision.
Uninsured Motorist Coverage
To pay for medical treatment for the driver or passengers in your automobile if there’s a collision with an operator who doesn’t have coverage.
Underinsured Motorist Coverage
To pay for injuries caused by a driver who has insurance, but not enough insurance.
Frequently Asked Questions
There is a minimum imposed by each state, which you can find out through the DMV. Beyond that, you should buy as much car insurance coverage as you feel comfortable with and can afford.
Most insurance companies will not issue or maintain insurance for someone who has a suspended or revoked driver’s license. However, you can work with your insurance agent to file an SR-22 form, which grants insurance coverage for a period of time.
You may need different types of insurance if you have different types of vehicles, such as:
- Commercial trucks
- Motorcycles
- ATVs
- RVs
Generally speaking, the insurance goes with the car. For example, if you have an accident while driving someone else’s car, the owner’s insurance would apply toward damages first. Your auto insurance would generally apply in the event the owner of the vehicle had no auto insurance or did not have enough auto insurance to pay the damages.
Yes, auto insurance is mandatory in every state across the U.S.
Not often, but insurance does go up every year with the rate of inflation. That's the case with both home and auto insurance. Usually, at renewal for both types, you’ll be notified of any significant changes. Your annual renewal period is a good time to talk to your agent about how much you're paying and see if there are any cheaper options.
That’s easy! When you visit our website, there’s a link titled “personal insurance”. If you hover over it, you’ll get the opportunity to choose either home, auto, or life insurance. That’ll take you to a specific form you can fill out!
Sweet! When you’re looking to buy a car for you teenager, your top priority is obviously their safety! Therefore we advise that you consider something with less horsepower, no recalls, and Electronic Stability Control (ESC).
You most certainly should! Gap insurance is a coverage offered to individuals who finance their vehicles. In the event of a car accident, Gap insurance protects you if your cash value insurance payout is not enough to pay off your car loan.
That depends! Fill out this quick survey and an expert from our team will reach out within 24-48 hours with the options that best suit you!
Ready to get started?
We will work with you to create a unique insurance plan that ensures you have all of the automobile insurance coverage necessary while utilizing all of the discounts available to you.