MA Auto Insurance Discounts Archives - Massachusetts Auto Insurance

Massachusetts Auto Insurance Discounts

The search is on for Massachusetts Auto Insurance Discounts. There are so many different insurance companies that offer different discount programs. The trick is to find which company best suits your needs and your wallet.

For example: Are you a student? Certain companies offer larger good student discounts than other companies. Are you married? Companies offer different multi-car discounts. Do you own a home, condominium or do you rent?

We’re here to you find the right Massachusetts Auto Insurance Discounts for you:

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

Companies offer big discounts if they have both your home and auto insurance. Discounts available are anywhere from 10% – 25% on the auto & 10% – 20% on the home.

2.) Utilize an Independent Insurance Agency!

Most Massachusetts Insurance Agencies write business with five auto insurance carriers. By utilizing an Independent Agency you will be utilizing the most valuable tool that the new, managed competition system offers. An Independent Insurance Agency will be most familiar with the different discounts and programs that are available. MassAutoQuote is powered and operated by Johnson & Rohan Insurance. Call, click or stop by and we’ll show you what great rates and service feels like.

3.) Take advantage of available discounts!

This one is, sort of, the tricky one. Different companies offer different discounts and knowing which ones are best for you is where an Independent Insurance Agent should be able to provide you valuable assistance.

When reviewing different companies discounts, however, keep in mind that no matter how many alleged discounts or percentage points companies are promising, the bottom line premium is the most important thing.

Some available discounts:

Account discount on your auto if you have a home, apartment or condominium policy with the same company.
Improved excellent driver & excellent driver plus discounts (99 & 98 drivers).
Pay in full discounts.
Hybrid vehicle discount.
Advanced driver training discount.
Certain college (for example: Boston College & Merrimack College) and organization (for example: Mass Bar Association & Mass Medical Society) discounts.
Good student discount (“B”or better)
Student away at school discount.

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

Massachusetts consumers have long been neglected compared to insurance programs that have been available to out of state auto insurance policy holders.

Some Massachusetts Discount programs include:

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.

Is a Disappearing Deductible a Magic Trick?

A disappearing collision deductible discount is not a magic trick. It can be a way for you to save money on your car insurance premium, if you qualify …

A disappearing collision deductible discount is not a magic trick. It can be a way for you to save money on your car insurance premium, if you qualify. Essentially, the vanishing deductible is an incentive that rewards “safe” drivers by reducing the amount of their deductible, or out-of-pocket expenses if they do file a claim.

Insurance companies know that safe drivers have fewer car accidents and get fewer speeding tickets. Safety conscious car drivers tend to follow the rules of the road. They make fewer insurance claims. This can save insurance companies a significant amount of money every year. Insurance companies like to have safe drivers as policyholders for just this reason.

Vanishing Deductible Saves Safe Drivers Money on Deductible

Some big insurers offer “safe” drivers a special incentive, called the vanishing deductible discount. While each insurance company’s specific safe driver program varies, the programs generally subtract some of the cost of the deductible for each year a driver qualifies as a safe driver. Auto insurance companies also tend to reward driver loyalty.

It is important to realize that your insurance company does not take this safe driver deductible discount off the cost of your car insurance premium. Rather, this money is money saved out-of-pocket on the amount of your deductible if you have a car accident and file a claim.

How Does The Vanishing Deductible Work?

Let’s say that you have an insurance premium that includes a $1000 deductible. This means that in the event of a car accident in which there is $10,000 worth of damage to your auto, you will have to pay the first $1000 out-of-pocket. Your insurance provider will then cover the remaining cost of repair.

Typically, if you are in a vanishing deductible discount program, each year that you do not file a car accident claim, your insurer will drop your deductible by $100. If you went for ten years without an accident, depending on the maximum vanishing deductible credit your insurance company provides, you could, theoretically wind up with a zero deductible.

What Makes a Safe Driver?

Each insurance provider has different criteria for qualifying as a safe driver. The most important factors that insurers may consider include your driving history, history of traffic violations, car accidents, and other factors. Even if you have a less than stellar driver’s record, it may still pay to ask your insurance agent if you qualify or how you can qualify in the future.

Do You Qualify for the Vanishing Deductible Discount?

To learn whether your insurance coverage includes the disappearing deductible discount, give us a call or fax or e-mail us a copy of your Massachusetts Auto Insurance Coverage Page.

Get in touch with an agent who will take the time you need to understand your options. Call or click Massautoquote.com.

MA Auto Insurance Discounts

Multi-policy Discounts Can Save a Bundle on Auto Insurance Rates

Are you looking for easy ways to save time and money? Then, you should learn more about combining the various types of insurance you have with one insurance company to take advantage of a multi-policy discount …

Multi-policy Discounts Can Save a Bundle on Auto Insurance Rates

You may qualify for a multi-policy discount if you have one or more cars and an apartment or home. But it might be up to you to ask your independent insurance agent about the discounts available to you. Let’s see what kind of insurance policies you can bundle, why it’s beneficial to get a multi-policy discount, and what you can expect to save by consolidating your insurance premiums under one provider.

What Policies Can You Bundle with Auto Insurance?

Chances are that you have more than just auto insurance, but what other kinds of policies can you ask your insurance company about bundling to get the most out of a multi-policy discount? Here are a few examples:

Home: Whether you rent or own your home, the insurance you buy to protect your dwelling is very commonly bundled with auto insurance.

Boat: Enjoy your adventures on the high seas, rivers or lakes more than ever while knowing you’ve done all you can to save money on insurance.

RV: A recreational vehicle is your home away from home. Insure it and other “toys” you drive with the same insurance company and save.

Life Insurance: Depending on the insurance company you are working with, you can get a multi-policy discount on life insurance, which most people consider essential to protect their family in the event of an untimely death.

Why Get a Multi-policy Discount?

When you’re already paying several insurance premiums to different providers, it makes sense to bundle the rates. The best reasons to switch your current insurance policies to one company are that you will save time and you will save money.

It’s Convenient to Bundle Insurance Policies

It’s simple, if you have multiple policies with one insurance carrier, you’ll see less paperwork and fewer bills. You’ll not only save yourself time, but your insurance company saves time too, which is one reason they offer the discount in the first place. When you’ve got a multi-policy discount, you’ll conveniently be paying just one insurance provider for your insurance needs.

How Much Money Can You Save?

The multi-policy discount you receive will depend on which policies and how many you bundle with your insurance company. Your discount will also vary from provider to provider. Usually, your multi-policy discount could save you up to 15 percent or more on your insurance rates.

We Help You Find the Best Multi-policy Discount

There are plenty of things you value in life: your car, your home, your health. Insuring yourself against the worst is important, but it doesn’t have to be time-consuming. When you bundle your insurance policies, you’ll save money on the things that are important to you.

MassAutoQuote.com will help you take the fuss out of paying for multiple policies and find the provider that will give you the best multi-policy discount for you. Contact us today to find out what policies you have that qualify for a multi-policy discount.

MA Auto Insurance: Student Away at School Discount

Most auto insurance carriers consider you eligible for a student-driver away discount if your child attends boarding school or college at least 100 miles from home and does not have regular access to a vehicle. Some may also require the student to be under 23 years of age …

Student-Driver Away Discount – Do You Qualify?

Student-Driver Away Discounts help you save while they learn

Your child is away at school for the year and not using the family car regularly, so you may think it’s time to drop them from your auto insurance policy. That is certainly an option when your child leaves home, but the student-driver away discounts can be a better fit for your family than taking your child off the plan entirely.

Let’s see if you qualify for student-driver away discounts, why the discount is worth it and how much you’ll save.

Who Is a Student-Driver Away Discount For?

Why You Should Get a Student-Driver Away Discount

While it sounds tempting to remove your child from your auto insurance plan while they are at school, there are significant reasons to consider the student-driver away discount instead:

Driving During Breaks: Your child will likely come home from school to visit, and while they’re back, they might borrow the family car. Having your child on your policy means they are automatically covered in the unlikely event of a car accident.
Financial Responsibility: If you still declare your child as a dependent, then you assume financial responsibility for them. This means that, legally, you are their financial provider, no matter how much pocket money they have on the side. This is important because if your uninsured child drives a vehicle and gets into an accident, you are financially responsible for that accident, even though you weren’t involved. Medical and legal costs can be substantially more than paying for a student-driver away discount.
Better Future Rates: Auto insurance companies often give discounts to new clients who were previously dependents on their parents’ policy. Other carriers sometimes charge new clients a higher fee for joining as a young driver without that experience. Keeping your student on your auto insurance plan now can give them a foot up later.

How Can You Validate Your Child for a Student-Driver Away Discount?

Most auto insurance carriers will require verification that your child is at school. Providing your carrier with the correct validation for a student-driver away discount can be very easy. Here are some common ways to prove eligibility:

School Address: Providing the address of your child’s boarding school or college to your insurance agent is usually enough verification for some carriers.
Current Class Schedule: Providing your child’s class schedule shows that your student is currently enrolled in school.

How Much Money Will You Save?

Student-driver away discount rates can depend on which carrier you have. In most cases, you will save between 10 percent and 30 percent on your auto insurance. Though it might seem like a hassle to keep your child on your policy when they do not drive frequently, it may be smart over the long run.

Secure Your Student-Driver Away Discount Today

With a student-driver away discount, you won’t break the bank, and you’ll help your child start on the path to their own insurance policy one day. As your independent auto insurance agent, we take it upon ourselves to make sure that you and your family can drive safely with the peace of mind that you’re getting the best rates possible. Contact us today to find out if you qualify for a student-driver away discount, as well as other auto insurance discounts.

MA Auto Insurance Discounts

In order to make certain you are getting the best rates, it’s important to shop around and look for every discount available …

Six years ago the Massachusetts auto insurance industry welcomed “managed competition” to the state.

Managed competition has helped usher in a new era for MA auto insurance consumers.

Companies that long ago fled the state, came back. Some that were never here entered the state.

In order to make certain you are getting the best rates, it’s important to shop around and look for every discount available.

The first place to start when looking for the best auto premium is by packaging your auto insurance with the same company as your home insurance.

If you don’t own a home or condominium, it might be time to purchase apartment insurance coverage. If not for the only reason of taking advantage of an auto insurer’s “account discount.”

Other discounts to consider:

Did you drive less than 10,000 miles over the past 12 months?
Are you a good driver? Have you had any at-fault accidents or moving violations over the past 6 years?
Do you pay your bills in full?
Do you receive your bills and documents by e-mail?
Did you recently get married? Do you have the same company as your spouse?
Are any of your kids good students? Do they have a “B” or better average?
Are you a college graduate?