| Massachusetts Insurance Discounts |  |
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Age 65 or Older
A 25% discount for all coverages will be applied to a premium after all other discounts and rating factors if the driver meets the following conditions:
- The principal operator is 65 years or older,
- There are no Inexperienced Operators (less than 6 years driving experience) on the policy, and
- The vehicle is not customarily used for business
Passive Restraint
A 25% discount applied to the premium paid for parts 2, 3, 6 and 12 is available if your automobile is equipped with an air bag or automatic seat belts.
Annual Mileage
A 10% discount applied to the premium paid for Parts 1-8 and Part 12 is available if your verified annual mileage falls between 0-5000 miles. A 5% discount off of the premium paid for Parts 1-8 and Part 12 is available if your verified annual mileage falls between 5001-7500 miles. Please note: antique vehicles are not eligible for this discount.
Anti-Theft
Anti-theft discounts of up to 36% on Part 9 are available for automobiles with various types of qualifying anti-theft devices. Your insurance company or agent can provide you with a list of the qualifying anti-theft devices and the corresponding discounts available.
Multiple Cars
A 5% discount applied to the premium paid for compulsory coverages (Parts 1, 2 and 4) and, if selected, optional coverages (Parts 5, 7, 8 and 9) is available if an individual or married couple own two or more automobiles insured by the same company. Antiques are not eligible for this discount.
Public Transit
A 10% public transit discount applied to the premium paid for Parts 4 and 7 (up to a maximum of $75 per eligible vehicle) is available if:
1. You provide your insurer with evidence of purchase of 11 months of commuter passes from qualified transit systems, and
2. You do not drive your automobile to work or school more than 10 days or more per month.
Your insurance company or agent can provide you with a list of the qualified transit systems.
Rate Deviations
Some insurance companies have been offering discounts to their existing policyholders by filing requests with the Commissioner of Insurance to "deviate" from the basic insurance rate. These discounts have been offered primarily to the safest drivers. Check with your agent to see if your insurance company has been approved to offer discounts to its safest drivers. If you are eligible for a group and a safe driver discount, you can take advantage of both!
Group Discounts
In recent years, many insurers have been offering discounts to numerous groups to attract new customers. These discounts will decrease your entire insurance premium. In addition, many group plans do not charge interest or require an initial deposit.
Groups can be sponsored by an employer, civic organization, motor club, association, trade union, credit union, etc. You may want to check with agents of several different insurers to learn which groups the insurer has been approved to offer discounts to and the size of the discounts. Any member of an approved group is eligible for the discount.
Group plans are not guaranteed to be renewed or to be renewed at the current discount level. By law, groups may be continued if after two years of operation the group has 35% of its eligible members participating. If, however, after three years a group's loss and expense ratio makes the group unprofitable it cannot renew policies.
Return to Auto Insurance Index.
Source: Massachusetts Division of Insurance.
Note: This is general information and is not meant to be a substitute for reading your Massachusetts Automobile Insurance Policy. That policy is your insurance contract. Questions or disputes concerning your automobile insurance will be resolved according to the terms of this policy. If you have any further questions please contact our agency. |
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For information about Lynch Insurance please contact:
William Lynch |
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| Mass Registry of Motor Vehicles |
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