Insurance Choices
More Coverage Options
New Massachusetts auto policy offers dependable protection along with additional benefits through Savin Jones Insurance
Standard Policy
Our standard auto insurance policy offers you a competitively priced solution to meet your auto insurance needs.
Our Standard Policy includes “Replacement Cost Coverage” that, in the event of a covered total loss of a new vehicle with fewer than 15,000 miles:
- replaces the vehicle with an equivalent new vehicle, or
- pays you the difference between the actual cash value of your vehicle and the price of a comparable replacement vehicle, in the event of a total loss.
You can also add:
- Increased liability limits
- Lower-cost physical damage deductibles
- Towing and Labor coverage
- Substitute Transportation coverage
Premium Package
Our Premium Package endorsement offers extra coverage for Massachusetts drivers at a slightly higher cost ($35 per policy, or $70 per policy when a policy covers more than one vehicle and two or more of the vehicles have Collision or Limited Collision coverage).
The Premium Package endorsement includes all the features of the Standard Policy, as well as:
- Deductible Dollars® which can be applied towards a collision deductible to reduce your out-of-pocket expense in the event of a covered loss
- Accidental discharge of airbag coverage pays up to $500, with no deductible, for the repair or replacement of an accidental airbag deployment
- Waiver of depreciation which can save you money for the repair or replacement of older vehicle parts that have been damaged in a covered loss
- Additional Towing and Labor coverage
Both our Standard Policy and our Premium Package include additional benefits through Savin Jones Insurance.
Accident Forgiveness
Qualified customers can purchase Accident Forgiveness for an additional charge.
OUR AUTO INSURANCE PROGRAMS AND DISCOUNTS - SAVE $$$- AND MORE..
* Discounts apply to specific types of coverage.
| Group Discount | Applies to | Discount range |
|---|
| WBUR membership |
Members of Massachusetts public radio station WBUR |
7% |
| SBLI policyholders |
Members of Savings Bank Life Insurance Health and Safety Group
|
9%
|
$$$Motor Club Discounts - AAA PLUS MANY MANY MORE - 5% DISCOUNT$$$
Motor Clubs must provide Members with roadside and towing assistance; and have access to Service Providers entities that contract with the motor club to provide roadside assistance to the drivers. These include towing companies, lock-smiths, service stations, etc ) throughout the Continental United States.
Additional Motor Club
AAA Merrimack Valley
AAA Southern New England
AARP
AllAmerica
Allstate Motor Club
Auto Club of Pioneer Valley (AAA)
Auto Knight
Autoclub of America
Better World Club
BP Motor Club
Chevron Safe Trek
Cross Country (Costco)
GE Motor Club
GM Motor Club
Massachusetts AAA Berkshire County
On-Star
Paragon
Pinnacle Motor Club (AFSCME-Union)
Sam's Club
Signature Nationwide
Massachusetts Standard Coverage
Massachusetts Enhanced Coverage
To give you more value for your auto insurance, We offer several enhanced coverage options in Massachusetts. Some options apply automatically to qualified drivers. Ask us how you can qualify for and purchase these options.
Replacement Cost Coverage
Provided at no additional cost and covers newly acquired current and subsequent model year vehicles that have been driven less than 15,000 miles. If you qualify, the carrier will pay the replacement cost of a vehicle that has been deemed a total loss. An optional Replacement Cost endorsement can be purchased that does not contain a mileage restriction. This enhancement applies to Collision, Limited Collision and Comprehensive (excluding theft, fire and vandalism losses) coverage for vehicles that meet the requirements.
Original Equipment Manufacturer (OEM) Parts Coverage
Provided at no additional charge and covers the cost to replace damaged parts with Original Equipment Manufacturer parts when the damaged parts cannot be repaired, as long as the damage occurs within the vehicle?s first 20,000 miles, the vehicle is no more than ten model years old and you meet certain other requirements. This enhancement applies to Collision, Limited Collision and Comprehensive coverage (excluding glass and mechanical parts) for vehicles that meet the requirements.
Accident Forgiveness Coverage
Provided at no additional charge for qualifying policies upon renewal. This coverage "forgives" the surcharge associated with a single at-fault accident. In order to qualify, your policy must have been in force with the carrier for at least forty-eight months, all drivers on the policy must qualify for the Excellent Driver Discount Plus under the Safe Driver Insurance Plan, and you must meet certain other requirements. New customers can purchase this coverage when they qualify for the Excellent Driver Discount Plus under the Safe Driver Insurance Plan.
Disappearing Deductible
Provides an automatic $100 credit per vehicle for every year that it remains claim free for all specifiedy policyholders. This can be applied against your Collision deductible ? up to a maximum of $500 credit per vehicle. Existing policyholders can start off with between $50 and $150 "in the bank" for each vehicle if they have been claim free customers of specifiedy carrier for at least twelve months.
***only applies to specifiedy auto companies policyholders and specific named insurance companies.