If you live in the Boston area and own a car you know how expensive it can be to insure an automobile. Regardless of how well you’ve driven in the past, insurance premiums in Massachusetts are some of the highest across the country. While the legislature is attempting to protect all Massachusetts’ drivers with these laws they are in effect punishing drivers with good driving records by setting insurance rates and stifling price competition from insurance companies. The unfortunate reality is that better drivers end up with higher premiums than they deserve in order to cover driver’s with bad driving records.

A new initiative by Fairness for Good Drivers is attempting to bring legislative change to this overly protective system. Other northeast states encourage competition between insurance carriers, having more than 100 companies competing for your insurance payment. Due to the fixed rates levied by the State, only 19 insurance companies compete in Mass., causing our drivers to pay, on average, $200 more than the rest of the country.

The Fairness for Good Drivers includes a lot of information about the history of insurance in the state and also gives easy links to contact your local legislator to help their cause. While you may not agree with their specific agenda, its hard to argue against the need for reform.