The Massachusetts auto insurance market is getting set to shift to a system that will promote rate competition among insurers in the state for the first time in over 30 years.

Under the current regulatory scheme--called "fixed and established"--rates are set by the Division of Insurance for all carriers, and a driver in a given territory will see the same rate from every company, according to Insurance Commissioner Nonnie Burnes.

"There was one rate, and then a company could deviate off that rate for a particular driver if that driver had a lot of moving violations, for example," she said. "But for the same driver, anywhere in a given territory, it didn't matter what insurance company they went to, they'd get the same rate."

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