Auto Insurance (Personal)

Getting the right auto insurance

Navigating automobile insurance coverage and claims can seem confusing—until you find a partner who can lead the way. There are basic types of coverage that are required by law, and extended coverage to provide additional protection.

An Acacia Insurance professional can help you understand why extended, “optional” insurance may not be so optional for you and your family.

When it comes to claims, over half of new drivers have an accident in their first two years on the road. Choosing the right insurance partner (or champion) can be critical if you or your family find yourself in that situation.

Understanding auto insurance

What is optional about Bodily Injury? Does coverage "follow" the car, and what if someone else has permission to drive the car? What if they don't have permission? Let the professionals at Acacia keep up with the changes to auto insurance. We can explain who is covered, what is covered, and where coverage extends, should you be driving in another country.

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Beyond the basics:

If you have a foreign driver's license, read this.

Driving in the United States can be challenging. Certain states, like Massachusetts, have reputations for unique driving environments. The real challenges may start before you get behind the wheel, however. There are a number of details, but three general rules must be observed.

Why did my auto premium increase?

Insurance premiums are not arbitrary and there are several reasons including technological advancements, national trends, and related economic factors which have an impact your personal auto premiums.

Auto Insurance Discounts—are you eligible for discounts on your insurance?

Saving significantly on auto insurance begins by partnering with Acacia Insurance to help make the unexpected uneventful. We represent the companies that insure 80% of the vehicles in Massachusetts, in addition to offering insurance across New England and the rest of the U.S. We’ve compiled a list of discounts you may be entitled to.

Is your car on the high theft vehicle list?

For a list of all cars on the Massachusetts high theft list, click here.

Do you have collision insurance?

Whether you’re buying a new policy or, heaven forbid, you’ve been in an accident you’ll probably be asked if you have “Collision” insurance. If you’re considering how much coverage you should have and/or are wondering how collision works, here it is in a nutshell.

Do you have comprehensive insurance?

When discussing auto insurance, it’s a pretty common question – “Do you have Comprehensive?” If you’re considering how much coverage you should have and/or are wondering how Comprehensive works, here’s the skinny.

Payment options for auto insurance

As with most things in life – you get what you pay for. Given the high cost of cars, repairs, and the risks of our increasingly litigious society, auto insurance certainly isn’t something to scrimp on. At Acacia Insurance, we have a few different ways to pay for the insurance you need.

Selecting your deductible.

There’s no doubt about it, higher deductibles equal lower premiums. While increasing your deductible is an effective strategy for lowering your premiums, keep in mind that your deductible is the amount you will pay before insurance coverage begins.

Tips for keeping your rates low when your kids start driving.

The thought of a teenager behind the wheel is enough to cause most parents substantial stress. Your primary concern is naturally for their safety, but you’ve probably also wondered how much insurance will cost when they start driving.

Moving to Massachusetts

Your head is probably swimming with all the items you need to remember during your move – making sure the movers show up on time, remembering to change your address at the post office, closing on a house – the last thing you need to worry about is how to insure and register your vehicle. Let us help …

Driving safely has its rewards.

$3,900 – that’s the average cost of a “fender bender” repair. The details behind that $3,900 tell the real story. It’s not just the cost of the accident; it’s the increase to your insurance rates that has a long-lasting effect on your wallet. Find out how a good driving record results in real benefits to you.

Rental car insurance

Our agency gets many inquiries from clients who want to know what, if anything, their insurance covers when they rent a car on vacation, business, etc. It seems like a simple question, but (like everything with insurance) there are a number of different considerations that make the answer a little more complicated than a simple “yes” or “no”.

Ready to learn more?

Would you like more information on Personal Auto insurance, a quotation, or an Acacia Insurance Refresh(SM) on your existing Personal Auto insurance? Acacia Insurance has been helping to make the unexpected uneventful since 1988, and we look forward to working with you. Please contact us with questions and for additional information.

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