Tips to Save You Money on Massachusetts Automobile Insurance

Tips to Save You Money On Your Massachusetts Auto Insurance Coverage

1.) Drive Safely!

First and foremost, Massachusetts credits good drivers! The best automobile drivers in Massachusetts get the best rates. If you have been licensed over 6 years and have had no moving violations (speeding tickets etc), no at-fault accidents, no revocations or suspensions then you are a 99 driver (Class 10). The next best drivers are the 98. From here driving records go from 0 (neutral/ number of points that new drivers are given) to 45. Points are given out for moving violations and at-faults accidents. 0 points for a first moving violation (although you lose your credit points – so, in fact you lose two “credits”), two points for each consecutive violation. A “minor” at-fault accident (less than $2,000 combined damage) is a 3 point surcharge and a “major” accident is 4 points. Contact us if you would like to review your driving record.

2.) Take advantage of applicable discounts!

Here are some of the automobile discounts presently offered in the state of Massachusetts:

Age 65 or Older - A 25% discount for all coverage items will be applied after all other discounts and rating factors, but prior to the application of the SDIP rating step.

Passive Restraint discount - A 25% discount applied to the premium paid for Parts 2,3,6 and 12 is available if your auto is equipped with an air bag or automatic seat belts.

Annual Mileage discounts - A 10% discount applied to the premium paid for Parts 1-8 and Part 12 is available if your estimated annual mileage falls between 0 and 5,000 miles. A 5% discount is available if your estimated annual mileage falls between 5,000 and 7,500 miles.

Anti-theft discounts - Up to 35% of the premium paid for Part 9 (Comprehensive) are available for automobiles with various types of qualifying anti-theft devices. Many glass companies offer complimentary "window etching" which will qualify you for a 15% anti-theft discount, in lieu of any other device.

Multi-Car discounts - Available if an individual or married couple own two or more autos insured by the same company and there are no inexperienced operators.

Driver's Education discount - A 10% discount applied to the premium for Parts 1,2,4,5, and 7 is available for the first 3 years after an inexperienced driver has completed an approved training course.

Public Transit discount - A 10% public transit discount is applied to the premium paid for Parts 4 and 7 (up to a maximum of $75 per eligible vehicles). This discount is available if you provide your insurer with evidence of purchase of 11 months of commuter passes from qualified transit systems and if you do not drive your auto to work or school more than 10 days per month.

3.) Shop Around!

As of April 1, 2008 Massachusetts auto insurance is moving to a “managed competition” system. Gone will be the days of state-set insurance rates. Companies’ rates will be different from one another often times with huge discounts if you package your auto insurance with a home or apartment or condominium policy. Our advice is to utilize an Independent Massachusetts Insurance Agency. Independent Agencies utilize many companies to shop for the best price and coverage. Independent Agencies offer many services such as Registry of Motor Vehicles assistance, coverage advice and billing and claims help. Independent Agents represent their clients as opposed to representing the company like many of the direct writers. Massautoquote.com utilizes local, MA Independent Agencies to provide Massachusetts auto insurance consumers with the very best rates, with the best companies, coverage and service.

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