Premiums can increase for a number of reasons, even if nothing on your end has changed.

For auto policies in Massachusetts, each carrier sets its own rates, but they’re all affected by the same state-wide factors. Rising repair costs, medical expenses, weather-related damage, and even trends in accident frequency can push rates higher across the board. The state also has the Safe Driver Insurance Plan (SDIP), where accidents and violations add points that impact your premium.

Each carrier creates its own algorithms on how a policy is rated, and, for auto policies, sometimes simply adding or removing drivers affects the premium and the overall rating structure.

For other policies like home or condo, carriers are responding to rising building costs, more frequent severe weather, and higher reinsurance expenses. Even if you’ve had no changes to your coverage or claims, these market conditions can cause rates to climb.

The insurance market is very challenging and constantly evolving. Changes to a policy that previously had no impact on premium can now trigger increases, often in ways that don’t make sense to clients.

Yes. Usually, carriers offer loyalty discounts when you bundle your home and auto policies with them. Exact discount percentage amounts vary from carrier to carrier.

Yes. Most carriers offer an option to pay your bill online. You can check our Manage Policy page to see if your carrier is listed and pay directly from there.

Each carrier offers different billing setups, but here are the most common options:

Paper bills, paperless billing, and EFT (electronic funds transfer) are all available. EFT is typically set up as a 12-month payment plan and can be arranged when you start a new policy with us, or you can set it up online later as long as your payments are current.

You can also choose a 1 Pay option. Some carriers offer a paid-in-full discount at renewal. Even if a discount doesn’t apply, you’ll still avoid monthly billing or installment fees.

Depending on your carrier and policy type, installment options may include 2 pay, 4 pay, 10 pay, or 11 pay.

Your billing type and payment method can usually be updated at any time as long as your account is up to date.

Your eligibility for any discounts depends on your carrier. To name a few, our carriers typically offer discounts like Low Mileage, Good Student, Multi-Car, Paid-In-Full, and Account Discounts if you’re bundling home and auto.

When we write your policy, we’ll be able to make sure you receive any discounts you may be eligible for.

If you think you qualify for more discounts, Contact Us via email.

See our full page on policy discounts and credits.

If you miss a payment, the carrier will usually send a legal cancellation notice. You’re not just instantly canceled. That notice gives you a certain number of days to make a payment before the date listed on it.

If you do get one, it’s best to call our office and we can process a payment for you immediately. You can also pay online through the Manage Policy page on our website or contact the carrier directly. Do not mail a check, as there’s a chance it won’t make it in time, and you don’t want to risk a lapse in coverage.

For commercial policies, we’re most likely not able to process payments on your behalf. You’ll need to pay through the carrier directly or use their website.

You’ll be able to find more information on our Manage Policy page. If you’re unsure what to do, just Contact Us, we’ll point you in the right direction.

You can lower your premium by increasing your deductibles, reducing optional coverages like medical payments or towing, or adjusting your liability limits. Reach out to us on our Contact Us form to get started.

Just make sure the savings are worth the trade-off in protection. We can check on that. You may also qualify for discounts based on driving habits, payment methods, or bundling other policies with us.

Yes. When buying or leasing a vehicle, let us know whether it’s through a dealer or a private party.

If you’re working with a dealer, we’ll expect an RTA (Registration and Title Application) from them. We’ll stamp the RTA and issue a binder if needed and send it back to them. Larger dealerships can usually register the vehicle in-house, but smaller dealers or out-of-state dealers that border Massachusetts, may send someone to an RMV location to register the car in person.

If you’re buying from a private party, you’ll need to bring in (or email) the original title and bill of sale. If you’re going to the RMV yourself, we can mail you the original RTA. Otherwise, you’ll need to come to one of our offices to pick it up.

Once the vehicle is registered, we can update your policy.

If you’re selling a vehicle, make sure to cancel your plates. You can find the link to cancel your plates on the Remove Vehicle tile above, or our Quick Links page. Once your plates are canceled, we can update your policy.

If you’re planning to transfer your plates, the process depends on where you're buying the vehicle from.

If you're purchasing from a private party, we’ll need to complete the RMV paperwork for you. Once it’s ready, it will need to be submitted directly to the RMV for processing.

If you're purchasing from a dealership, they’ll handle the registration for you, but they’ll need to send us the necessary documents first.

Have any questions? Use our Contact Us form and reach out.

Yes. Otherwise we won’t know where to send your mail, and neither will your carrier.

When you move or if you prefer to use a PO Box, just let us know.

If you’re an existing client, you can send us your updated contact info.