Frequently Asked Questions
Below is a list of our most frequently asked questions. If you have another question, please feel free to e-mail us, or give us a call at.
Personal Property & Casualty Questions
Q Is it true that if I have my automobile and homeowners insurance with the same company, I will get a better rate?
A All our companies are very competitive and offer a variety of discounts. Contact us to see which company and discount program is best suited for you.
Q What is a personal umbrella policy, and do I really need one?
A A personal umbrella policy increases your liability coverage over and above your auto and home liability limits. For example, if you’re involved in an accident which is your fault and you are sued for an amount which exceeds your auto bodily injury liability, your personal umbrella could pick up the excess amount less your deductible. The same theory would apply on your home policy liability limits. In short, yes, we do recommend that everyone have a personal umbrella policy. Please contact us for more information.
Q Are all Auto Rates in Massachusetts the same?
A No. Since April 2008, and unlike prior years, Massachusetts now has a managed competitive auto rating system. It is in your best interest to call us for a detailed quote, as every company has different criteria in the rating of autos. Packaging both your autos and home give the ultimate savings combination. Call us and find out which is best for you.
Commerce, for instance, offers the following discounts:
- Group discount for AAA membership plus enhanced auto policy coverages
- Loyalty discount – up to 4% – with 3 or more years uninterrupted coverage with Commerce
- 8% discount on Auto Premium if we insure Home/Condo/Renters with Commerce or MPIUA
- Multi-car discount 8%
- Over 65 discount
- Anti-theft discount up to 35% on Comprehensive Premium
- Low mileage discount up to 12%
- Good student discount up to 12%
- Paid in full discount 5%
Travelers offers the following discounts on auto:
- Pay in Full — Earn a 3% discount if you pay your full premium within 5 days of your policy effective date.
- Multi-Car — 5%
- Age 65 and Older 25%
- Air Bag / Automatic Seatbelts — up to 25%
- Low Mileage — up to 10%
- Anti-Theft Device / Vehicle Recovery System — up to 36%
- Public Transit Commuter — A public transit discount of up to 10% (up to a maximum of $75 per eligible vehicle) is available if you provide your insurer with evidence of purchase of 11 months of commuter passes from qualified transit systems, and you do not drive your automobile to work or school. Supporting documents required for proof of eligibility.
- Sponsored Marketing Group Discount — You may qualify for a discount if you are a member of one of our sponsored marketing groups. Including Southcoast Health System Federal Credit Union & Southern Massachusetts Telephone Workers Credit Union. Call us for complete list
Quincy Mutual offers the following discounts on auto:
- Multi-Car — 8%
- 8% discount on Auto Premium if we insurance Home/Condo/Renters with Quincy or MPIUA
- Age 65 and Older 25%
- Air Bag / Automatic Seatbelts — up to 25%
- Low Mileage — up to 10%
- Anti-Theft Device / Vehicle Recovery System — up to 35%
