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AUTO INSURANCE

Why choose Roche Insurance Agency to insure my vehicle?

We can meet you anywhere, anytime to write your policy. We offer Registry service. Our staff is here to serve you, the customer and answer any questions or concerns you may have.

We can insure your personal auto, motorcycle, truck or van, as well as your commercial vehicle. Just call us for a quote today!

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Am I receiving the best possible price for the proper coverage?

There are many factors which affect your premium rate:

Your age and driving experience - Statistics show that younger drivers are involved in more accidents and receive more tickets than older, more experienced drivers. While drivers with less than six years experience are in the highest rate class, completion of driver's education training can reduce this rate. Drivers sixty-five and over are in the lowest rate class.

Where your vehicle is garaged - Because theft and vandalism rates vary from town to town, rates vary considerably depending upon where you live.

The make and model of your vehicle - Your insurance rate is affected by the type of vehicle you are insuring. Some autos are considred to be "high-theft vehicles," and withstand an increased premium. When you are purchasing a new vehicle, you should always consider what the cost of insuring the car will be.

Individual driving record - You are rewarded for good driving records and are penalized when you are cited for moving violations or are at fault in an accident. Every driver is assigned a "Step" based on his or her driving record, with 9 being the lowest. Every moving violation or accident you are involved in adds points to your Step, which may result in a surcharge to your insurance.

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How can I save on my auto insurance?

Roche Insurance Agency can provide its customers with several discounts which will lower the annual premium.

Alarms/Airbags/Automatic seatbelts - If your car is equipped with an alarm, you will receive 20% off of your collision and comprehensive coverage. Retrieval system owners (Lojack) receive a 35% discount. Also, if your car is equipped with either airbags or automatic seatbelts, you will receive 25% off of your collision and comprehensive coverage.

Multi-car discount - If you fully insure two or more vehicles on one policy, you will receive a 5% multi-car discount.

Low mileage discount - If your annual mileage is less than 5,000, you can take 10% off your premium. If you drive between 5,000 and 7,500 miles, you are entitled to a 5% discount.

MBTA discount - If you can present 11 monthly MBTA passes at the expiration date of your policy, you will be entitled to a partial refund of the cost of these passes.

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Do my liability coverages properly protect me and my family?

You should consider your assets (home and investments) and carry liability limits that would adequately insure you in the event somebody brought suit against you.

If you have significant assets, you should consider an umbrella policy that would provide additional liability coverage above and beyond the limits on your auto or homeowners policies.

If you're not sure that you have the proper coverage just ask Roche Insurance Agency: we are happy to go over your options with you.

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Can you explain deductibles to me and the options that I have?

Deductibles apply in cases in which:

You are at least 50% at fault
You are unable to identify the other party that damaged your vehicle, or
Any comprehensive loss other than most glass claims.

A $500 deductible is standard in Massachusetts. You can request a $300 deductible which is more money, or $1000 or $2000 deductibles which provide savings. Some folks request the $300 deductible, as the out-of-pocket expenses may be less with a lower deductible.

But you should go over coverages and deductibles with your agent to make sure they are satisfactory.

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If you have additional questions regarding your current policy or would like these issues explained in detail, just call us toll free at 1-888-546-7786 or e-mail us at questions@rocheinsurance.com.



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