As a Massachusetts Independent Insurance Agency, over the past 40 years we’ve seen many changes including:

• State-set auto insurance rates have gone and come and gone again.
• Likewise, insurance companies have come and gone and come again.

Allstate Insurance left the MA auto insurance marketplace in 1987 because of the state-set auto insurance rate-making process.

Recently Allstate has come back to Massachusetts opening an office in North Andover, MA.

Allstate agents are captive agents. Similar to Liberty Mutual, State Farm, and Amica agents, the only write insurance products for one company.

Unlike our Massachusetts Independent Insurance Agency, they do not shop your insurance with multiple companies.

For many MA consumers, the new insurance landscape has provided savings and improved insurance programs, such as: accident forgiveness & disappearing deductibles.

However, for many disenfranchised, the new system can be extremely penal with companies requiring 100% annual premium payment for those with cancelled policies (& financial troubles). Some consumers are left with the troubling choice of financing their annual insurance or risking severe penalties (& registration revocation) letting their insurance cancel.

Your MA Independent Agent will be able to show you what your best options are for Massachusetts Auto Insurance.

Call or click us for your free, no obligation MA insurance review.

We will try to help you!

Here are some of the traditional automobile discounts offered in 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.

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.

According to a Boston Globe article based on a national study commissioned by GMAC Insurance:

Many drivers have difficulty with such basic practices as merging and interpreting road signs. One out of five drivers does not know that a pedestrian in a crosswalk has the right of way. The study indicated that one out of three drivers speed up to make a yellow light, even when pedestrians are present. One out of 10 drivers regularly exceeds the speed limit by 11 or more miles per hour. One in three drivers said they would drink and drive as long as they felt “all right” to get behind the wheel.

In accordance with Massachusetts General Laws, insurance companies are required to provide Massachusetts auto insurance consumers with the following, MA insurance consumer information guide:  “Your Consumer Guide – Ways To Save on your Automobile Insurance”

This MA Division of Insurance Guide Contents:

Part 1 – Shopping for Insurance

Part 2 – What is in My Insurance Policy?

Part 3 – How Do I Lower My Premium?

Part 4 – My Driving Record

Part 5 – My Consumer Rights

Part 6 – Accident, Claims and Fraud

Part 7 – Things to Remember

The MA Division of Insurance also offers a pretty neat: online shopping tool which shows sample premiums based on sample driver profiles. These sample premiums, based on sample driver profiles are intended only to be used as examples.

MassQuotes utilizes Independent, Massachusetts Insurance Agents to provide quotes from numerous companies for auto, home, & term life insurance. We quote insurance only in the State of Massachusetts.