MA Auto Insurance Discounts Archives

New drivers are most at risk of auto accidents because they lack the experience and maturity to make intelligent decisions at critical times.

Insurance companies know this and charge their insurance premiums accordingly.

In the spirit of safe driving, http://www.MassQuotes.com recommends new drivers form good driving habits early.

Consider these sobering statistics on teen driving:

Automobile accidents are the number one killer of our nation’s youth.
Drivers under the age of 20 were involved in 13% of all accidents, yet they account for only 5% of all drivers.
5,000 teenagers die each year from auto accidents.
Alcohol is responsible for almost half of all teen motor vehicle deaths.
25% of all teen accidents involve speeding.
Half of all teenage traffic fatalities occur between 6:00 p.m. Friday and 3:00 a.m. Sunday.
In one year, drivers 19 and under were involved in close to 3 million motor vehicle accidents.

The price of a bad decision can include injury to yourself or others, loss of life, loss of life style or loss of personal freedom.

Ways to prevent MA auto accidents

Drive defensively. If you assume that other drivers are not as skilled and thoughtful as you are, you will instinctively become more careful and cautious when on the road.
Try not to speed. When you speed, you have less time to react, less time to make the right decision.
Never drink and drive. Alcohol can seriously impair your decision-making skills and reaction time.
Take the keys away from friends who have been drinking.

Adults can set an example by practicing safe driving habits.

Ways to keep MA auto insurance premiums for new, MA teen drivers as low as possible:

Number of years licensed, the longer the better.
driving record, the cleaner the better
driver’s education?
Full-time, good student?
AAA?
Advanced Driver Training?
Do you still live at home?
What is the value of your car?
Is there a lender?
What kind of liability limits do you carry?

All can be factors to help lower a new driver’s MA auto insurance rates.

Please call or click us at: MassQuotes.com.

Some of the traditional Massachusetts automobile insurance discounts:

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.

In addition, other Massachusetts auto insurance discounts may 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.