If your auto insurance bill has gone up recently, you’re not imagining it. Rates across Massachusetts have been creeping up thanks to higher repair costs, more claims, and—because insurance likes to keep things interesting—lots of behind-the-scenes math.
Here’s the part most people don’t realize:
You might already qualify for discounts…you’re just not getting them.
Every insurance company offers different savings, and unless your policy has been reviewed recently, there’s a good chance something is being missed.
Let’s break down what some of the most common carriers (and ours!) in Massachusetts offer.
MAPFRE Insurance (formerly Commerce Insurance)
MAPFRE is a go-to for many Massachusetts drivers, especially if you’ve been with them for years.
Common discounts include:
- Bundling home and auto
- Good student
- Safe driver
- Paid-in-full
- Driver training programs
If you’ve been with MAPFRE for a long time, that’s great—but it’s still worth checking if your policy has kept up with your life. Loyalty is nice, but it shouldn’t be expensive.
Arbella Insurance Group
Arbella tends to be very competitive in Massachusetts, especially for families.
Discount opportunities:
- Advance quote discount
- Paperless and EFT
- Good student
- Multi-car
- Claims-free history
Translation: if your household has multiple drivers, vehicles, or relatively clean records, Arbella is definitely worth a look.
Travelers Insurance
Travelers brings a wide range of discounts, with a few that people don’t always think to ask about.
Savings may include:
- Hybrid or electric vehicle
- Continuous insurance
- Homeownership
- Early quote
- Safe driving programs
They tend to reward consistency—so if you’ve maintained coverage without gaps, that can work in your favor.
Plymouth Rock Assurance
Plymouth Rock is well-known locally and mixes savings with some unique service perks.
Discounts and features:
- Multi-policy
- Good student
- Defensive driver
- Bundling options
- Claims services like door-to-door valet
Not everything is about price. Sometimes convenience matters too—especially when your car is sitting in your driveway not drivabl
Quincy Mutual Group
Quincy Mutual is a strong regional carrier, especially when bundled with home insurance.
Typical discounts:
- Package (home + auto)
- Safe driver
- Multi-vehicle
- Loyalty incentives
They often shine when you’re combining policies, not just looking at auto alone.
Progressive Corporation
Progressive is known for flexibility and, in some cases, being surprisingly competitive.
Discount options include:
- Snapshot (usage-based program)
- Multi-policy
- Paid-in-full
- Online quote
- Multi-car
This one can go either way depending on your driving habits—but it’s often worth checking
So What’s the Catch?
There isn’t one “best” insurance company.
Each carrier calculates risk differently. The same driver, same car, same address—completely different price depending on the company.
That’s why people end up overpaying. Not because they did anything wrong, but because they’re only seeing one option.
A Quick Massachusetts Reality Check
Where you live and how you drive matters more than you think.
- South Shore vs. inland towns vs. City
- Daily commute vs. working from home
- Teen drivers vs. empty nesters vs. high risk drivers
Small details can mean big differences in price—and in available discount.
The Bottom Line
If you haven’t reviewed your auto insurance in a while, there’s a decent chance you’re leaving money on the table.
Not because you picked the wrong company—but because your situation changed, and your policy didn’t.
Call to Action
Want to find out what discounts you’re actually eligible for?
We’ll compare multiple companies and walk you through it without making it complicated.
Get a fast quote today or give us a call. hannonmurphy.com
We’re here for you.