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• Will My Auto Insurance Coverages Change Under Competition?
  • The minimum coverages for a basic policy are still mandated by Massachusetts law and will not change. The types of coverage you are required to purchase by law are called compulsory insurance. The basic Massachusetts Auto Policy will remain exactly the same; however, many insurance companies will offer new and additional coverages, higher limits and lower or waived deductibles under certain circumstances.
    
    A few of the new coverages companies will offer include:
    Replacement Cost Coverage Some companies will pay the cost to replace your car if it is a new model under a certain number of miles. You may also be able to extend the replacement cost coverage for a longer period for an additional premium.
    Loan/Lease Gap Coverage Often, consumers with auto loans and leases on new cars can suffer financially if a loss occurs early on in the loan or lease because they are upside-down in their loan or lease. Being upside-down means that, because of depreciation, you owe more in loan or lease payments than the car is worth. For a modest additional premium, the insurance company will pay the actual cash value of your vehicle plus the difference between the actual cash value and what you actually owe on the loan or lease.
    Original Equipment Manufacturer (OEM) Parts Because of cost-containment measures, Massachusetts regulations require insurance companies to pay only for after market replacement parts in the event of an accident. For an additional premium, you can assure that your car will always be repaired with parts made by your car’s manufacturer.
    Replacement Cost and Loss of Use for Rental Cars You may also be able to purchase added coverage for when you rent a car. If you have collision and comprehensive coverage on your policy, those coverages will extend to other private passenger cars (including a rental car or van) used with the permission of the owner. Your current policy would pay a claim on a rental in exactly the same way it would pay a claim on your car. It would pay for the actual cash value of the vehicle, but that is often not enough to make the car rental firm happy. For those who rent cars for business or vacation use, some companies will offer a replacement cost option for rental cars and vans that will pay the cost to replace the rental vehicle if it is a total loss or the cost to repair it plus the loss of rental income while the vehicle is being repaired.
    Some companies will also offer special packages for valued customers like enhanced towing options, coverage for accidental deployment of airbags, reimbursement for personal effects in the vehicle, extended rental, emergency road travel expenses, etc.
    
• What Types of Auto Insurance Discounts Are Available?
  • There are a variety of discounts insurance companies may offer. Some discounts are required by law, such as for passive restraint systems or other safety features, anti-theft devices, low annual mileage and, under certain circumstances, drivers who are 65 years or older. Other discounts are optional, and may include driver-training, advanced driver training, multi-car, good student, student away at school, multi-policy or account, hybrid vehicle, customer loyalty or other Commissioner-approved factors that reduce either the risk or extent of injuries or damage. Some companies will also offer discounts to members of certain approved groups. Whether insurance companies are required to offer a particular discount by law or simply choose to offer it, the amount of those discounts may vary somewhat from company to company. When shopping for your new policy, ask your agent what types of discounts each company offers, and how much each of those discounts reduce your premium.
• Will Competition Make My Auto Insurance Rate Go Down?
  • Competition is designed to encourage insurance companies to offer their lowest possible premium to each driver. Although the majority of Massachusetts policyholders will probably benefit from reduced rates under the new system, the amount that you pay will depend on your individual risk factors, such as your driving record, the territory in which you live, and other rating factors approved by the Commissioner. However, maintaining a clean driving record should decrease your rates.
    
• What Should I Do If My Auto Insurance Rate Goes Up?
  • First. Make sure that your rate has really increased. Compare the types of coverages and coverage limits on your policy last year to the coverages and coverage limits you’ve received quotes for, and make sure they are the same. Also remember that any change to your policy will affect your premium. Changing your vehicle, adding or changing coverages, adding or changing drivers, or changing your car’s garaging location may all increase your premium.
    Second. Consider whether you are classified as a high-risk driver, such as one with multiple atfault accidents and/or traffic violations, or one with less than six years experience. If you are, the increase in your premium may be the result of these factors.
    Third. Contact your agent or your insurance company for an explanation of why your rates have increased.
    Fourth. Once you have learned the reason for your rate increase, you may want to ask your agent to obtain rate quotes from other insurance companies until you are certain you have found the lowest premium for the coverage you want. Remember that if you have had a change in driving history, such as an at-fault accident or traffic violation, your premium is likely to go up in a competitive rating market in the same way as it would have increased under the fixed-and established system.
• If you have a membership in an auto club like Triple A:
  • You probably do not need towing on your auto insurance policy.
• If you take a car off the road for the winter you can reduce certain coverages:
  • Contact your agent to discuss the best changes to make to your policy.
• When a full time college student has possession of a car on your auto policy:
  • The garaging needs to be changed to the town and state where they are attending school.
• Driver information on your auto policy should be checked regularly
  • You may reduce your premium by having all drivers listed on the policy being listed correctly. There are different categories, please contact your agent to review information.
• What information to get when involved in an accident?
  • The other persons full name, address, license #, telephone #, plate #, year and make of the car, insurance company and any other information that could be helpful to expedite your claim. A cell # and name is never enough!!
• You should report accidents to your agent as soon as possible:
  • If it is after hours contact the 24-hour claim line with your Company. It is best to speak with your agent so they can help and guide you through the claims process.
• Lien holders/Mortgagees incorrectly listed can delay payments in the event of a loss:
  • If you change or pay off lien holders/mortgages on your home or auto or the bank sells out to another institution please inform your agent of the new information.
• Why should appraisals on scheduled items be updated every 5-7 years:
  • To ensure the articles are properly insured in the event of a loss.
• If you get or replace a pet you should always notify your agent:
  • Updating this information is very important, as certain pets will need underwriting approval.
• If building codes have changed since the time your home was built:
  • You may need to review the "Ordinance of Law" portion of your policy. Your agent would be happy to help you understand this coverage.
• We have an affiliation with BayState Financial for in-house financial services:
  • We have the ability to offer Life Insurance, Disability Insurance, Investment and Tax Planning strategies, Retirement Planning, and Long Term Care Insurance. Please call or e-mail us for more information regarding these services.
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