Auto Insurance

With access to over 11 insurance companies Carroll Steele Insurance provides the best available selection of auto insurance products. Having such a large selection enables us to provide a variety of home insurance products and discounts specific to our customers life style and needs.

  • Overview
  • What It Covers
  • Discounts
  • FAQs
  • Get A Quote!
Overview

Auto insurance protects you against financial loss if you have an accident. It is a contract between you and the insurance company. You agree to pay the premium and the insurance company agrees to pay your losses as defined in your policy.An auto insurance policy is comprised of six different kinds of coverage. Most states require you to buy some, but not all, of these coverages. If you're financing a car, your lender may also have requirements.

To learn more about Massachusetts auto insurance and how it protects you and your family choose any of the other tabs in this section. We also provide a list of discounts available. We hope you find this information useful in helping you make an informed decision about your auto insurance. And when you're ready we would love to have the opportunity to provide you a quote.

Basic Policy Coverages
A Massachusetts Auto insurance policy contains basic insurance protection in 6 main categories: Bodily Injury, Medical Payments, Property Damage, Collision, Comprehensive, and protection against an Underinsured, or Uninsured Motorist. Below is a description of each of these coverages.
Coverage
Description
Bodily Injury Liability

Applies to injuries you, the designated driver or policyholder cause to someone else. You and family members listed on the policy are also covered when driving someone else's car with their permission. Liability insurance protects you from serious financial loss if you are sued stemming from a serious accident.

Protect Your Financial Health! Consider buying more than the state-required minimum to protect assets such as your home and savings.

Medical Payments or Personal Injury Protection (PIP)
Pays for the treatment of injuries to the driver and passengers of the policyholder's car. At its broadest, PIP can cover medical payments, lost wages and the cost of replacing services normally performed by someone injured in an auto accident. It may also cover funeral costs.
Property Damage Liability
Pays for damage you (or someone driving the car with your permission) may cause to someone else's property. Usually, this means damage to someone else's car, but it also includes damage to lamp posts, telephone poles, fences, buildings or other structures your car hit.
Collision
Pays for damage to your car resulting from a collision with another car, or object. Collision coverage is generally sold with a deductible of $250 to $1,000-the higher your deductible, the lower your premium. Even if you are at fault for the accident, your collision coverage will reimburse you for the costs of repairing your car, minus the deductible.
Comprehensive

Reimburses you for loss due to theft or damage caused by something other than a collision with another car or object, such as fire, falling objects, missiles, explosion, earthquake, windstorm, hail, flood, vandalism, riot, or contact with animals such as birds or deer. Comprehensive insurance is usually sold with a $100 to $300 deductible. Comprehensive insurance will also reimburse you if your windshield is cracked or shattered. Some companies offer glass coverage with or without a deductible.

Money Saver: Opt for a higher Comprehensive deductible and save!

Uninsured and Underinsured Motorist
This coverage will reimburse you, a member of your family, or a designated driver if one of you is hit by an uninsured or hit-and-run driver. Underinsured motorist coverage comes into play when an at-fault driver has insufficient insurance to pay for your total loss. This coverage will also protect you if you are hit as a pedestrian.

Carroll Steele Insurance currently offers auto insurance to Massachusetts drivers only. Also, auto insurance policy coverage can differ between insurance companies. You may find one insurance company provides more coverage under their basic policy than another. Again, if you have questions about your policy or anything regarding insurance give one of our Insurance Specialists a call- we are more than happy to help!

Available Discounts
We have access to over 200 insurance companies each providing their own exclusive credits and discounts. One more example how Carroll Steele Insurance is providing the best in product selection and service. Check the list below to see what credits and discounts we can provide you.
ITEM
Discount %
Description
Multi Policy Account Credit
15%
Discount if both auto and homeowners policies (Home, renters or condo) are written by Carroll K Steele Insurance Agency.
Multi-Car Credit
10%
insure more than one car with us and receive a discount on all Coverage Parts 1-9 (excluding 6)
EFT Credit
5%
Pay your insurance via Credit for Electronic Funds Transfer and get 5% off your policy
Loyalty Discount
up to 5%
Credit for new business and remains each year you stay with Carroll Steele Insurance
Annual Mileage
Up to 13%
Under 2,000 miles | 13% discount (Class 15, 10%)
2,001 - 5,000 miles | 11% discount (Class 15, 10%)
5,001 - 8,000 miles | 8% discount (Class 15, 5%)
8,001 - 10,000 miles | 5% discount (Class 15, 0%)
Experienced Driver
Up to 10%
2.5% discount | 1-2 yrs experience
5% discount | 5-6 yrs experience
Increases .05% every year up to 10% beginning at 11 yrs experience
Switch Credit
Up to 5.5%
Discount to defray any cost switching mid-term to Carroll Steele Insurance from another insurance company. Some companies will charge a cancellation fee for canceling policy before its renewal date.
Driver Training Credit
5%
Discount is in addition to 10% AIB credit
5% credit for drivers of 0-6 years with a successful completion of a State approved basic Drivers' Education program.
Good Student Credit
10%
Discount available during 0-6 years driving, if they are in High School or College with a B average or better

Our Quote form provides a place to select all of these discounts and credits. Request a Quote to find out how much you can save on your auto insurance and other insurance needs with Carroll Steele Insurance.

Frequently Asked Questions
Question
Answer
What happens when I loan my car to someone? Is that person covered by my policy? Am I still covered?
Yes. Liability and coverage for physical damage (i.e., comprehensive and collision) always follow your car. So, if a friend borrows your car and has an accident, you're still protected against the cost of damages or injuries. Plus, if the driver of your car is insured, his/her policy will also be available to cover the cost of damages and injuries.

The same rules apply when you borrow someone else's vehicle. Your own insurance follows you no matter whose car you are driving. But the vehicle owner's policy is the key coverage if you have an accident.
How does where I live affect my premium?
Where you live (or, more precisely, where you keep your car) has a bearing on your chances of having an accident or becoming a victim of theft or vandalism. That's why a vehicle owner in Brooklyn, New York, pays a higher rate than the owner of an identical vehicle in Casper, Wyoming.

Other factors affecting regional insurance rates include time and efficiency of police response and law enforcement, local road and traffic conditions and the quality of local medical services. Insurers even factor in the litigation rates in a given area, that is, how many lawsuits are filed, go to trial, are settled out of court and for how much.
Why are rates different for different cars, even if the cars cost the same?
Vehicles are also grouped into categories according to their likelihood of being damaged, vandalized or stolen. Insurers generally consider the size and type of vehicle, as well as the value and the cost of repairs (which can vary greatly, even on vehicles that cost roughly the same). Thus, a new station wagon is expected to hold up better in an accident than a sports car or a subcompact.

Putting insurance aside, safety is key when buying an automobile. Your life depends on it! Some cars are considered safer than others because of their performance record in safety tests and real accidents.

That's why you should research insurance coverage before you buy your car. It helps you to understand the actual cost and indicates those vehicles with good safety records. Your insurer will ultimately reward you for putting safety first.
What is "no-fault" insurance?
No-fault insurance is a system adopted in some states that essentially bypasses the conventional legal procedure which finds fault in an accident. (This is the procedure by which you hire a lawyer, file suit and possibly go to court to prove the accident was the other guy's fault.) No-fault simply does away with the concept of one party or the other being at fault. There are no lawyers, no court, no judge, no jury, no lengthy lawsuits against the other party. This is considered beneficial to taxpayers, because it eliminates costly legal proceedings that the state must manage, and to insurance policyholders, because it helps keep rates down.

If you are insured in a no-fault state and have an accident, you don't go after the other driver. You contact your own insurer and file a claim. Your own insurance policy guarantees you immediate compensation for damages, medical expenses, lost wages, etc.

The type and range of no-fault coverage varies by state. What defines the limitations of no-fault policies can differ in two critical areas:

Threshold - The type of damage/injury or the cost of repair/recovery that triggers the need for legal action.
Mandated Benefit Level - The package of benefits (medical, wage loss, replacement services and other expenses) your state requires you to carry.
What happens if I have an accident with an uninsured driver?
First, call the police to the scene to be sure all pertinent information is properly recorded. Your nerves will be shaken right after an accident, and it helps to have a calm and knowledgeable person walking you through the necessary details.

Then, contact Carroll Steele Insurance agent immediately and ask about filing a claim. If you followed all the recommended guidelines when you bought your policy, you should be covered within the limitations of that policy. Remember, your insurance policy is designed to protect you.

If the cost of your damages or injuries exceed the amount your policy will pay out, it may be time to take legal action against the other party. Even if you have no-fault insurance, sometimes the only way to be compensated is to place blame and responsibility where it belongs.

Do I always need to buy insurance when I rent a car? Am I not covered by my own policy?
If you have fully insured your own vehicle, including collision and comprehensive coverage, and rent a vehicle for pleasure only (while on vacation, for example), you do not need to buy extra insurance from the rental company. In fact, in most states your basic rental fee by law will include liability coverage for damage or injury to others. But different rules apply when you rent a car for business purposes, so check with a Carroll Steele Insurance Specialist for details.

If you do not have your own insurance, be aware that many car rental liability policies cover you only at the state's required minimum. Also, you should buy the collision and comprehensive coverage offered by the rental company for your own protection. Plus, do not buy a collision damage waiver (CDW) from the rental company assuming it is insurance. A CDW simply releases you from financial responsibility if you damage the vehicle you are renting, provided you comply with the terms of the rental contract. But those terms can vary considerably, and CDWs are not state-regulated, which means they are technically not insurance.

It's always a good idea to review your policy before renting a vehicle and, if necessary, contact a Carroll Steele Insurance Specialist for clarification.
Do I need special insurance for a classic car?
Give us a call about coverage of rare and valuable property. Since a classic car usually cannot be replaced, you'll probably want ample compensation if it is lost. A classic car, because it is rare or unique, may indeed require a special insurance policy.
How does where I live affect my premium?
Where you live (or, more precisely, where you keep your car) has a bearing on your chances of having an accident or becoming a victim of theft or vandalism. That's why a vehicle owner in Brooklyn, New York, pays a higher rate than the owner of an identical vehicle in Casper, Wyoming. Other factors affecting regional insurance rates include time and efficiency of police response and law enforcement, local road and traffic conditions and the quality of local medical services. Insurers even factor in the litigation rates in a given area, that is, how many lawsuits are filed, go to trial, are settled out of court and for how much.

If you have a question that isn't answered here please submit it to us using our Ask An Expert forum!

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