Massachusetts private passenger auto insurance provides policyholders a comprehensive level of protection that includes both compulsory and optional coverages. In addition to the compulsory state required limits of liability required to register your vehicle, there are several options to consider for providing you with the best coverage. We will help you customize a package of both property and liability coverage that provides proper asset protection at a competitive premium.
There really isn’t any “one size fits all” type of auto insurance policy. Therefore, it is important to have a basic understanding of how insurance companies calculate your premium and knowing how various risk factors will affect your rate. Considering the years of experience you and other operators listed on your policy have, the number and type of any traffic violations, the number and type of at-fault accidents, the vehicle make and model you drive along with the principal place where you garage that vehicle.
Massachusetts drivers do have the ability to lower their auto insurance premium through individual and group marketing discounts, safe driver discounts, and choosing appropriate coverage options to maximize savings. We are committed to assisting you understand all aspects of your policy and will gladly answer any questions that may come up. A key part of the service we provide is helping you stay informed whether it be when a claim is filed, making changes to your policy, or conducting a general policy review.
A commercial auto policy is necessary for but not limited to vehicles greater than 10,000 lbs., and or titled in a corporate name or, used for certain types of business such as livery or taxi, delivery, buses, certain types of commercial contractor service trucks or ride sharing / transportation for hire companies such as Uber and Lyft.
There are many factors companies will consider along with specific underwriting guidelines to determine your commercial auto insurance premium. Be sure to contact our office if you have any questions or require assistance regarding commercial auto insurance. And when your time permits, allow us to provide you with a comprehensive policy review highlighting ways to take advantage of competitive discounts that may be available to you.