Policy Features & Discounts

Auto Insurance Companies —
Auto Insurance Policy Features & Discounts

The Leslie S. Ray Insurance Agency represents four of Massachusetts’s largest and most competitive personal insurance companies – Safety Insurance Company, Arbella Mutual Insurance Company, Commerce Insurance Company, and Hanover Insurance Company.

There are many discounts available including:

Account credit – save up to 20% if your home and auto is insured with the same company
Good student discount
Student away at school discount
Safe driver discounts
Loyalty renewal credits
Credit for graduates of advanced driver training course.
Multi-car discount
Senior Citizen discount (age 65+)
Anti-theft device discounts
Low mileage discounts (under 7500 miles per year)
Air bag and automatic seat belt discounts
Public transportation users discounts
Driver training credit for new drivers

Some of our insurers offer the features and/or coverage options shown below, some of which require an additional premium. Our agency service representatives will help you tailor the coverages to meet your needs.

Auto Loan and Lease Gap coverage options
Disappearing deductible option for claim free drivers
Replacement cost coverage for newer cars (as defined by policy language)
Extended rental reimbursement and towing coverage
Some personal effects coverage
Emergency Road Travel Expenses
Loss of income coverage for rental reimbursement
Pet injury protection