Here is some miscellaneous information about auto insurance in Massachusetts:
Collision coverage in Massachusetts is optional coverage, but I strongly suggest you buy it. Although collision coverage can be expensive you need it in case your car is damaged in an accident with another vehicle. This coverage will pay for the damage to your vehicle. Although collision coverage can sometimes be expensive (as opposed to liability coverages) you need to have it.
Comprehensive coverage is optional in Massachusetts. This coverage will protect you if your vehicle burns, is vandalized, stolen, damaged by an animal, or damaged by mother nature.