As Massachusetts readies for a more competitive automobile insurance market, local drivers will have a lot more choices to make – and likely, a lot more questions. The new regulations will affect policies renewing on or after April 1, 2008. Now is a good time to start asking questions about how auto reform will affect you and your family.

With this in mind, it is an opportune time to sit down and review your policy for ways to lower your premium, while making sure that you are adequately protecting your property at the same time.

Review discounts available to you and make sure you are taking advantage of them.
Some examples are: Pay in full discounts, home ownership discounts, anti-theft discounts and defensive driving course discounts, to name a few.

Carry higher deductibles.
Raising your deductible can help to reduce an insurance premium by as much as 10-30%. The higher the deductible, the lower the premium.

Group your policies.
Some insurers will give you a multi-policy discount if you have your auto, home and personal liability coverage with them.

Get the best rates.
The cost of your policy can vary from one insurance company to another. As an independent insurance agent, we are not tied to one carrier and can help you select the best coverage for your needs with the most competitive company.

DO NOT MOVE YOUR POLICY IN THE MIDDLE OF YOUR POLICY TERM!!!
The savings with other companies may look appealing, but the penalties for moving your policy in the middle of the term can be very costly. Before jumping to another policy, we can calculate for you the penalty that you will be charged for changing mid-term.

Make an appointment with us!
We will be more than happy to meet with you to review your options anytime. The newspaper articles and television ads can be confusing. Know the facts before moving your auto coverage from one company to another.

Call (413) 569-2928 or email Sue or Lea for a custom quote for your personal auto insurance.

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