The most important step when buying insurance is understanding your needs.

When buying insurance, one of the first steps you take should include speaking with an expert to help you evaluate your needs. If you don't already have an agent, Travelers of Massachusetts can help you find one. Use our Agent Locator to find an independent agent in your area. Why work with an independent agent? Learn more about the value of an independent agent.

Some other tips to keep in mind:

Understand the recent changes in Massachusetts. For the first time in three decades, Massachusetts consumers can shop around for car insurance. While it may sound simple, we know understanding the new policy choices can be confusing. The Massachusetts Division of Insurance offers a guide, entitled "Ways To Save On Automobile Insurance", designed to help you understand the various available automobile coverages and provide other useful information. As the title suggests, the guide is intended to help you decide how much insurance you need to buy and how you can save money. Visit the Division of Insurance's guide.

Educate yourself. Work with an independent agent to get and compare insurance quotes. Each company and policy is unique, so research what types of coverage are available and what they cover in the case of an accident or injury. You should also ensure that the agent or company will be readily available if you have a question or need to file a claim.

Price shouldn't be the only factor. Consider other factors including claims handling, customer service, and the financial strength of the insurance company. Shopping only according to the lowest price might not take into account your individual policy needs and could leave you at risk for being under-insured.

Find out about discounts: Many auto, home, renters and property insurance policies include discounts for multiple policies, safety features and even seminar participation. Ask your independent agent which discounts can reduce your premium.

Not already a Travelers of Massachusetts customer? Want to see how much you can save you on insurance? Use our easy on-line form to request a quote. Your information will be sent to an independent agent in your area to follow-up with you directly. Get started today.

Still have questions or need help? Call us at 1-800-222-4184.