Auto Insurance

Drive safe. Be safe.

What determines my auto insurance rates?

Auto insurance premiums are determined by a number of factors including:

Your driving experience. Drivers with 6 or more years experience earn the best rate (the exception being the age 65 + discounted rate). Less experienced drivers, defined as those with less than 6 years of experience, can obtain a better rate by showing evidence of having completed an approved driver training program.
Where your car is garaged (generally where you live)
The year, make, and model of your vehicle
The coverages you choose

How much coverage do I need? And how can I control my auto insurance premiums?

Consult with us, your local 5-Star Agent for Person to Person service.

Shopping for insurance can be frustrating. We will work with you to select the insurance coverages and limits which fit your needs. While price is certainly an important factor, it is not the only factor to consider. Price, discounts, and claims handling are all legitimate factors you should consider when buying insurance. Ultimately, you must decide which features are most important to you.

Learn more about the different parts of the Massachusetts auto insurance policy and the procedure to purchase your coverage and register your vehicle.

How can I get a discount?

It pays to package your home and auto insurance with the same insurer. Our insurance partners are giving package discounts of up to 20% off of their home insurance base premiums to clients that have auto and homeowner policies with the same insurance company. In addition, some are even offering smaller package credits on their auto insurance.

Discounts are given for:

Multiple vehicles being insured with the same insurance companies
Autos with anti–theft devices (5% to 35% off of comprehensive only coverage)
Autos with airbags
Autos driven less than 7500 miles per year
Qualifying good students (some insurers)

Safe Driver (SDIP) credits or surcharges will be added based on your past six years of driving experience. Learn more from the Division of Insurance’s web site.

For a good explanation of the auto policy’s individual coverages and some ideas on saving money, go to the Division of Insurance’s Consumer Guide.

The skinny on auto insurance in Massachusetts

The Massachusetts personal auto insurance market is highly regulated. Rules, rates, coverage issues, and discounts are all subject to a somewhat complicated political process and reviewed by the state’s Division of Insurance annually. These rules changed as of April 1, 2008, however, and Massachusetts began an era of “managed competition” for personal auto insurance.

As the Massachusetts auto insurance program has historically operated differently from programs in other states, the auto insurance market has not been dominated by large national insurance companies. Instead, much of the state’s market share in auto insurance is made up of Massachusetts only or regional insurers that have devoted a significant amount of resources to the Massachusetts auto insurance market.

Looking for more comprehensive Massachusetts auto insurance information? Go to the Automobile Insurers Bureau of Massachusetts information page where you can download rates and the complete auto insurance policy contract.

What companies do we represent?

The Leslie S. Ray Insurance Agency is proud to represent four of Massachusetts’ leading auto insurance companies:

Here is an overview of the policy features and discounts that each company is offering. These items are always subject to change.