The best program is the one that provides just the right coverages for your situation, at the right cost.  For example, what are the right coverage amounts for property loss or damage?  For personal liability coverage?  Should you buy substitute transportation coverage?  What’s the right deductible choice?
Do you need underinsured  motorist protection?

The companies we represent now set their own rates for auto insurance and compete on price, coverages, and special benefits. The state insurance commissioner has labeled the change, “managed competition.”  

Special coverage and discount benefits

The major difference in Mass. auto insurance is the availability of policy benefits insurers could not offer prior to “managed competition.”  These new benefits include special coverages, credits, discounts, and services for drivers who qualify.  For example, experienced drivers with good driving records do well.  And so do those who take advantage of account discounts by buying both their auto and home insurance through the same agency or company.

Special Considerations

Click a link below for more information about issues and/or considerations that may be of concern to you:

• Home/Auto account discount
• Selection of appropriate deductible amount
• Safe driver credit
• New youthful driver in the family
• Driver away at school
• Anti-theft and safety device credits
• Senior driver credit
• Public transportation credit
• In-car devices (phone, computer, GPS et al.)
• Motor Club membership discount
• Advanced Driver Training discount
• Disappearing collision deductible
• Accident forgiveness
• Good student discount
• SBLI policyholder discount

We’ll review these and other special considerations with you. We will also recommend which of the companies we represent is best for you.

• Get a no-obligation Automobile Insurance quote.
• Contact us about a quote for boat, dwelling, or any other type of personal insurance.
  For specifics about auto insurance coverage features:  www.iii.org

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