MA Auto Insurance Discounts

Different auto insurance companies in Massachusetts offer different discounts. It is important to know which company has the best discount program for you and your family.

Do you have anyone in your house that is newly licensed?

If so, different companies have different appetites (ie- better rates) for newly licensed drivers.

Is there anyone on the policy that is a full-time, good student (B or better average)?

If so, many companies have “good student” discounts.

Does your student go away to school?

If so, and if they leave their vehicle behind, there is an “away at school” discount that some MA auto insurance companies offer.

Do you own a home?

If so, there are terrific account discounts available.

Are you a safe driver?

Companies offer excellent safe driver (in MA, steps “99” & “98”) discounts and “accident forgiveness”: programs.

Are you a member of AAA?

Some companies offer a AAA, or other roadside assistance program, discount.

Did you, or anyone rated on your policy, complete a Crash Control Prevention course?

MassAutoQuote.com recommends taking a Crash Control Prevention course. If insured with Safety Insurance, they will even supplement the cost of the course.

Call or click us today, for your free discount program review!

MA Inspection Stickers

 

Quoting auto insurance in MA – From a Massachusetts auto insurance consumer perspective, the most frustrating type of ticket is one for having an expired MA inspection sticker.

The violation is the cost of the ticket and a surcharge on your driving record for 6 years!

The 2 point surcharge is the same as the surcharge for a speeding ticket or other moving violation.

Following is a link for MA auto inspection stations:

Massachusetts Inspection Stations

Take a look at your MASS Vehicle Inspection Sticker & Don’t let it lapse!

Crash Prevention Training

The number one killer of teens in Massachusetts is automobile accidents. Massautoquote promotes safe driving and we recommend In Control – Crash Prevention Training. 

In Control offers a half day (4 1/2 hour) Crash Prevention Training Program. If already insured with one company (Safety Insurance), they will supplement the cost of the In Control class. Instead of paying the standard rate of $299, Safety insureds pay only $75. In addition, they receive a 5% Open Group discount (Safe Roads Alliance Application Form). If you are referred by your MA independent insurance agent, you can save 10% of the cost of the course.

In Control has partnered with the following Massachusetts Insurance Companies:

  • Safety Insurance
  • Commerce
  • Hanover
  • Arbella
  • Plymouth Rock
  • Travelers
  • Norfolk & Dedham
  • Quincy Mutual

If you would like to find out more, give us a call at:  781-246-8699 or call In Control at:  888-301-7233.

Please call or click us to your your free, no obligation, MA auto insurance quote.  

Massautoquote.com

Shopping for MA Auto Insurance

Are you shopping for Massachusetts Auto Insurance? If so, here is some basic auto shopping advice:

1.) Package Your Auto & Home Insurance through the same agency/company!

Discounts can be huge! 10% – 20% on the auto & 10% – 20% on the home.

2.) Utilize an Independent Insurance Agency!

Most Massachusetts Insurance Agencies rate business with five auto insurance carriers. By utilizing an Independent Agency you utilize the most valuable tool that shopping for MA auto insurance offers. A MA Independent Insurance Agent will be most familiar with the different discounts and programs insurance companies offer in Massachusetts.

3.) Take advantage of available discounts!

Different companies offer different discount programs. Be sure to review with your Independent MA Insurance Agent.

Some available discounts include:

  • Account discount on your auto if you have a home, apartment or condominium policy with the same company.
  • Excellent driver & excellent driver plus discounts (99 & 98 drivers).
  • Pay in full discounts.
  • Hybrid vehicle discount.
  • Advanced driver training discount.
  • Alumni & professional group discounts.
  • Good student discount (“B”or better).
  • Student away at school discount.
  • Multi-vehicle policy & multi-car discounts.
  • Age 65 + discount.
  • MBTA discount.

4.) Make certain that you have the best insurance program!

Massachusetts auto insurance consumers now have many different insurance programs available, including:

  • Disappearing Collision Deductible.
  • Guaranteed Replacement Cost.
  • Emergency Road Travel Expenses.
  • Auto loan/Gap Coverage.
  • Combined bill options.
  • Electronic Funds Transfer billing option/ No service fees.
  • Enhanced Substitute Transportation.

Call or Click us at Massautoquote.com today!

The Best Auto Insurance Rates in Massachusetts

The best drivers get the best auto insurance rates in Massachusetts. If you have been licensed over 6 years and have had no moving violations (speeding tickets etc) & no at-fault accidents then you are a “99” driver.

One of the most frustrating consumer tickets is for the expired, annual inspection sticker. Massachusetts requires registered vehicles pass the annual, $29 inspection. The surcharge penalty for an expired inspection sticker is the same as the surcharge penalty for a speeding ticket. So, take a look at your inspection sticker.

MA Inspection Sticker

 

Perhaps the cruelest of all surcharge points on the personal MA Auto Insurance Policy is the ”expired inspection sticker” citation.

In Massachusetts, a ticket for an expired vehicle inspection sticker is the equivalent, in auto insurance citation points, of a moving violation.

According to the MA Department of Insurance:

Surcharge points are incurred if you:

  • cause an at-fault accident
  • are convicted of or pay a fine for a traffic law violation
  • are assigned to an alcohol education program

An expired inspection sticker is considered “pay(ing) a fine for a traffic law violation.”

A $40 ticket results increased insurance costs for 6 years! About 20% increase the first three years, diminshing the following three .

Remember:  Check your MA Inspection Sticker — Don’t let it lapse!

Kids & Cars in Massachusetts

We’ve mentioned it many times on our http://www.Massautoquote.com blog & we’ll mention it again:  In Massachusetts, parents may want to consider, in order to best protect assets, consider registering and insuring a vehicle in their child’s name.  In Massachusetts parents are provided 100% insulation from lawsuits arising from bodily injury or property damage claims.

Mass. MGL Chapter 231, section 85A: “If a car is registered to the child and the child gets into an accident causing personal injury and/or property damage, there is no reponsibility on the parent. It does not make any difference who bought the car or who pays for the insurance, or how old the child is so long as we are talking about negligence.”

On this basis it might make sense for parents to consider insuring a vehicle in their child’s name.

Did We Mention Discounts?

Utilizing the power of the independent Massachusetts insurance agent, our companies offer many discount programs including: Good Driver, Multi-car, Account, Pay in full, Low Mileage, Company Loyalty, Group & Alumni programs, AAA, Advanced Drvier Training, Good Student, Away at school, Age 65+, e-customer, Public Traansportation, Advance Issue and more.

Please call or click for your free MA auto insurance discount review.

MA Auto Insurance Case Study

Our MA independent insurance agency recently saved a new client money & was able to improve her coverage.

She has been licensed over 6 years with one moving violation. She has a 2007 Honda Accord and lives in Woburn, MA.

For coverage she carried “typical” MA auto insurance limits: $100,000 per person/$300,000 per accident (Parts 3, 5 & 12); $100,000 Property Damage; $500 Collision & Comprehensive deductibles; and $30 per day of Substitute Transportation.

Her renewal premium with Company A was: $1,194.

We rated her insurance with 7 companies.

With “apples to apples” coverage, for comparison purposes, we found a premium of: $952.

She was happy with the savings and decided to transfer her business to our Agency.

We mentioned if she purchased the company’s disappearing deductible & enhanced substitute transporation endorsement, and increased her collision deductible to $1,000 (really $800 with -$200 disappearing deductible credit), the annual premium would be: $844.

Thrilled, she was able to lower her premium from $1,194 to $844 and improve her coverage, as well!

Shopping for Massachusetts Auto Insurance

If you are a MA consumer and you’ve found our website looking for the best auto insurance rates, then you probably already know how complicated it can be.

Rates are important.

Service is important too.

In order to get the best rates and the best service, we recommend you utilize an independent Massachusetts insurance agent.

As an independent MA agency, we rate MA auto insurance with seven companies.

Top 10 Reasons to use an Independent MA Insurance Agent:

10.  Unlike other agents, your Independent Insurance agent is not beholden to any one company; thus, you don’t need to change agencies as your insurance and service needs change.

9.  Assists you when you have a claim.

8.  Is your consultant, working with you as you determine your needs.

7.  Offers you a choice of Massachusetts insurance plans and programs.

6.  Is a value hunter who looks after your pocketbook in finding the best combination of price, coverage and service.

5.  Offers one-stop shopping for a full range of products – Massachusetts home insurance, renters, Massachusetts car insurance, business, life and health.

4.  Can periodically help you review your coverage to keep up with your changing insurance needs.

3.  Treats you like a person, not just another number.

2.  Works for you as advocate at claim time, or if you have a billing question.

1 … Will assist you with the Registry of Motor Vehicles!