ringoketi ji, yeah it is weird out there in MA when it comes to insurance. You must have figured out that they don't issue your state license w/o insurance. Also MA transportation law does not honor out of state insurances. What a filthy law? Anyways you could look up internet and do some bargain shopping. When I lived there, I used a local small-house insurance in Marlboro. Can't figure the name though, must be that decaying grey matter inside my mini-size khopadi. Hope it works out for you! Uhi Rajeev, CT, Amrika