About Our Car Insurance

We are a local and family-owned Independent Insurance Agency.  As Independent Agents we represent many of the best Auto Insurance Companies in the state of Massachusetts. This is a big advantage for our customers because we can shop around for the most competitive price and best Auto Insurance products available in the market. You can’t get that with those big corporate, national online insurance companies that only push and sell their own products. And the best part is that with us you get our local, in-person service and insurance expertise at no extra cost to you.

  • 12 Month Payment Plans Available
  • As little as 10% down payment
  • Registry of Motor Vehicles Services

Welcome out of state drivers!

We know exactly how to get your car properly insured, titled and registered in Massachusetts, as well as get you the maximum discounts for your out of state driving record.

Massachusetts Auto Insurance Basics

Massachusetts requires the following minimum car insurance coverage

Bodily Injury Liability: Minimum legal requirement $20,000 / $40,000

Property Damage Liability: Minimum legal requirement $5,000

Uninsured Motorist Bodily Injury: Minimum legal requirement $20,000 / $40,000

Personal Injury Protection: Minimum legal requirement $8,000

About Coverage Limits

The mandatory limits in Massachusetts have not changed in decades. For your protection we suggest considering better insurance coverage limits. For more information please review our Recommended Auto Coverage Limits page.

Some of the Discounts available:

Companion Policy — A credit between 3% to 12% if you have a homeowner, tenant, or condo policy written with a company we represent.

EFT Discount — Earn up to a 5% discount when you choose to pay your premium using our convenient Electronic Funds Transfer (EFT) bill plan.

New-Car Discount — Earn a discount up to 5% off your collision premium when your vehicle is less than three model years old.

Roadside Assistance — You could be eligible for a premium credit of up to 2% off of certain coverages if you or a principal operator of an insured vehicle is a member of a qualifying roadside assistance program.

Multi-Car — Earn a discount if you insure two or more automobiles with the same insurance company.

Air Bag/Automatic Seat belts – A discount if your vehicle is equipped with air bags or automatic seat belts.

Anti-Theft Device / Vehicle Recovery System — A discount if your vehicle has a qualifying anti-theft device installed.

Hybrid Car — You can earn a credit factor of up to 10% on applicable coverages when you insure a qualifying hybrid vehicle.

Accident Forgiveness -Qualified policyholders who have been with us for 4  consecutive years and have maintained a clean driving record within their household over the 5 years prior to the effective date of the policy.

Age 65 and Older — If you’re a policyholder age 65 or older and the primary driver on a policy, you may be eligible for 25% discount.

Good Student Discount – available for high school, college or university students who are on the Dean’s List, Honor Roll, or in the upper 20% of their class, or who have maintained a B average or better (3.0 and above).

Student Away at School – available for full time high school, college or university students who reside, during the school year, over 100 road miles f  rom the vehicle’s principal place of garaging and do not have regular access to a vehicle while at school.

Advanced Driver Training – available for operators who have completed an advanced driver training program at a training school certified by the Registrar of Motor Vehicles.

  • 12 Month Payment Plans Available
  • As little as 10% down payment
  • Registry of Motor Vehicles Services

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