Frequently Asked Questions

Independent agents represent multiple insurance companies, not just one. That means we shop for you, explain the differences, and give you personal service that big call centers and websites can’t.

Every situation is different. We’ll walk you through your assets, risks, and goals to build a personalized plan—so you’re not over- or under-insured.

Often, yes! Because we work with many carriers, we can compare rates and discounts. But it’s not just about the lowest price—it’s about getting the right coverage so a claim doesn’t cost you more later.

Yes. Most carriers provide savings when you bundle home and auto, or combine other policies like renters, life, or umbrella insurance. We’ll explore the options for you.

Call us first! We’ll help guide you through the claims process, answer your questions, and work with the insurance company to make sure everything goes smoothly.

At least once a year—or anytime you have a big life change such as buying a home, getting married, having a child, or starting a business. We offer free annual reviews to keep your coverage up to date.

Yes! We write policies for small businesses, contractors, restaurants, trucking companies, farms, and more. Our goal is to protect your livelihood and keep you compliant.

Things like your driving history, vehicle type, location, credit (in some states), and coverage limits all play a role. We’ll explain your options and help you find ways to save.

There are several ways to reduce your auto insurance costs without sacrificing coverage:

• Bundle your policies: Combine your auto insurance with your home, renters, or other policies for a multi-policy discount.
• Maintain a clean driving record: Safe driving pays off with lower rates over time.
• Ask about discounts: Many insurers offer savings for good students, safe drivers, or vehicles with safety features.
• Choose a higher deductible: A higher deductible can lower your monthly premium, but make sure it’s an amount you can afford to pay if you file a claim.
• Review your coverage regularly: As your situation changes—like paying off your car or driving less—it’s smart to update your policy to fit your current needs.

There are several ways to lower your homeowners insurance premium without sacrificing coverage:

• Bundle your policies: Combining your home and auto insurance with the same company can earn you a multi-policy discount.
• Increase your deductible: Choosing a higher deductible can reduce your monthly premium—just be sure it’s an amount you can comfortably afford in the event of a claim.
• Improve home safety: Installing smoke detectors, burglar alarms, deadbolt locks, or a monitored security system can often qualify you for discounts.
• Update your home: Replacing your roof, wiring, plumbing, or heating systems can lower risk and potentially reduce your rate.
• Maintain good credit: Many insurers use credit-based insurance scores, so maintaining strong credit can help you secure better pricing.
• Ask about discounts: From claims-free rewards to loyalty and new-home discounts, there are often savings opportunities you might not know about.

Yes! We offer a variety of discounts and savings opportunities to help you lower your insurance costs, including:

• Low mileage discount
• Anti-theft discount
• Multi-car discount
• Bundle credit (account credit for combining home and auto)
• AAA member discount
• BJ’s, Costco, and Sam’s Club member discounts
• Senior citizen discount
• Good driving discount
• Paid in full discount
• Auto Pay discount
• Low down payment and easy payment plans
• Driver training discount
• Disappearing deductible rewards
• Student discounts
• Student away discount
• Military away discount
• Pan-Mass Challenge discount (for current donors)
• Dana-Farber discount (for current donors)

You can switch your insurance at any time, even after your policy renews. Most policies don’t have a penalty for canceling mid-term, but you’ll want to check if your company charges a small cancellation fee. When you move your insurance, you’ll typically receive a refund for any unused premium you’ve already paid. To avoid gaps in coverage, it’s best to have your new policy set to begin the same day your old one ends.