Auto Insurance
Auto insurance protects you from loss in the event of an unfortunate accident. It is vital drivers enroll in a dependable auto coverage program. Our team uses our car insurance strategies to ensure your coverage is highly dependable and relies on our comprehensive insurance products to custom-build a policy that meets all your car insurance needs.
We offer the following options for Auto Insurance
- Bodily Injury Liability – covers injuries to others caused by the policyholder while operating an automobile.
- Medical or Personal Injury Protection – covers treatment of the driver and passengers of the policyholder’s car in the event of an accident.
- Property Damage Liability – covers damages caused to someone else’s property by the policyholder while operating an automobile.
- Collision – insures the policyholder from loss during a collision with another vehicle or object.
- Comprehensive – protection for the policyholder’s car from damage and loss resulting from incidents other than collision.
- Uninsured Motorist Coverage – covers medical treatment of the policyholder’s injuries in the event of a collision with an uninsured driver.
We understand you want to be fully covered for a wide range of auto risks, yet at the same time, keep premiums and expenses in mind. That’s why our insurance professionals are committed to helping you find the best auto insurance and making you and your unique needs our top priority!
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Auto Insurance FAQ
Are older vehicles cheaper to insure?
Not always. Older vehicles can be less expensive to insure if the policyholder chooses to remove collision coverage. Auto insurance rates in Massachusetts are impacted by the vehicle’s safety features, theft rates, mileage driven each year, and whether the policy includes physical damage coverage; comprehensive and collision, which is often called “full coverage.”
Do I need extra coverage for aftermarket parts?
If your vehicle has aftermarket parts such as custom rims, stereo systems, or lift kits, additional coverage may be recommended. Many standard policies in Massachusetts only cover factory-installed equipment unless additional customization coverage is added.
Does insurance cover towing?
Towing may be covered if you have roadside assistance or towing coverage included on your auto insurance policy. Drivers in New England should review their policy limits to understand how far towing services are covered.
Does auto insurance cover engine failure?
Engine failure caused by mechanical issues or lack of maintenance is not covered by personal auto insurance. However, drivers in Westborough and across Massachusetts may have coverage if the engine damage resulted from a covered event, such as flooding or a collision.
What is accident forgiveness?
Accident forgiveness is an optional feature that may prevent your insurance rates from increasing after your first qualifying accident. Availability and eligibility can vary between insurance companies serving drivers in Massachusetts.
Should teen drivers have their own auto insurance policy?
The answer to that depends on what you are trying to do. If the goal is to save the most money on policy premiums, the answer is no. A standalone policy for a teen driver will not include many of the discounts included on an experienced driver’s policy.
At one point, someone was telling parents to buy their kids a vehicle registered and insured in the kid’s name as a way to sever liability. While it may be possible to create a liability cushion, all drivers living at the same home must be listed as drivers on all auto policies with that address; however, a driver with their own policy can be excluded from all other policies. Also, if you do register and insure a vehicle in your child’s name and you ask that child to run an errand for you, the liability cushion may be removed since the accident wouldn’t have occurred were it not for your request. Still, since we are not attorneys, that point is best addressed by someone with a license to practice law.
Can seasonal vehicles be insured differently?
Maybe. It depends on the insurance company and the type of policy. Seasonal vehicles like motorcycles, RVs, or classic cars may qualify for storage or reduced-use insurance options. Drivers in Massachusetts often adjust coverage based on how often they drive.
Does personal auto insurance cover Uber or Lyft driving?
Personal auto insurance policies do not fully cover rideshare driving activities. Drivers in Westborough, Massachusetts often need rideshare endorsement coverage or a specialized policy for better protection while driving for apps.
What is non-owner auto insurance?
Non-owner auto insurance provides liability coverage for people who drive vehicles they do not own. Drivers in Massachusetts who do not own a vehicle, rent cars frequently, or need proof of insurance may consider this type of policy.
Who should consider non-owner auto insurance?
Non-owner auto insurance may be helpful for drivers who regularly borrow or rent vehicles but do not own a car. It can also help drivers in New England maintain continuous insurance coverage between vehicles.