Massachusetts auto insurance offers more than basic liability protection. With the introduction of managed competition, drivers now have access to a variety of policy benefits, special coverages, credits, discounts, and services that were not available in the past. These options help make insurance more affordable while providing important protection for you, your family, and your vehicles.

Account Discounts

• Home and Auto Combo Discount: If you have both your Auto and Homeowners Insurance with the same agency or company, you may qualify for up to 20% off your premiums.
• Safe Driver Credit: Drivers with no at-fault accidents or moving violations in the past six years can earn significant savings.
• Driver Away at School: Household members attending school away from home may be excluded from the policy temporarily, reducing premiums. Remember to add them back during breaks.
• Senior Driver Credit: Drivers over age 65 may save up to 25% due to lower exposure, more conservative driving habits, and reduced mileage.

Deductible Selection
Choosing the right deductible can have a major impact on your premium. The higher the deductible, the lower the insurance cost. We help assess your current deductible to ensure it matches your ability to cover potential claims.

Youthful and New Drivers
Newly licensed drivers in Massachusetts cannot transport passengers under 18, except for family members. Teen drivers with learner’s permits do not need to be listed until after obtaining a license, helping families manage costs.

Safety and Anti-Theft Credits
Vehicles equipped with safety features like airbags, passive restraint seatbelts, and anti-theft devices can earn additional savings.

Additional Discounts and Considerations

• Public transportation credit for train or subway commuters
• Advanced driver training discount
• Disappearing collision deductible
• Accident forgiveness
• Good student discount
• SBLI policyholder discount
• Motor club membership discount
• Coverage for in-car devices such as GPS, phones, and computers

Special Considerations
Our insurance experts review your unique situation and recommend the best coverage for your needs. We consider additional features like in-car devices and motor club memberships to maximize savings while ensuring comprehensive protection. Working with one of our trusted agents ensures that your Massachusetts auto insurance policy is tailored to your lifestyle, driving habits, and budget.