Whether or not a household member

• 
  It is very important that any individual who customarily operates your vehicle, whether or not a household member be listed as an operator on your policy. And of course, all household members should be listed, per the Commonwealth of MA.
  

• 
  Towing coverage can be purchased for $100 per disablement as well as the standard $50.
  
• 
  You may want to review your Substitute Transportation coverage. The $15/day limit covers roughly “half a car” and can be increased to $30, $45 or $100/day for additional cost.
  
• 
  If your vehicle has been customized in any way which increases its value it is important to protect the added value. Unless you make special arrangements and have paid additional premium, your company will only pay the actual cash value (ACV) of your auto.
  
• 
  Mobile phones are excluded from MA auto policies but can be added if built-in to your car.
  
• 
  Most of our companies offer an enhanced coverage package that includes mobile phones. Contact us to find out if you are eligible to add it to your policy and the cost.
  
• 
  The city/town where you garage your car is one of the determining factors for insurance cost. If you (or someone on your behalf) give false information on garaging location, the company may refuse to pay claims under any or all of the policy optional insurance sections/limits.
  
• 
  The MBTA discount has been removed from MA auto policies. As a result, most of the companies have raised their low mileage discount limits, some up to 15,000 miles/year.
  
• 
  Vehicles used for business should be rated this way. Call us if you are unsure if it applies to you.
  
• 
  When travelling outside the U.S. your policy DOES NOT cover your car or a rental car. Please contact us with questions before travelling. Coverage follows to Puerto Rico and Canada.
  

Please keep us updated with following information, different companies have different discount offers & requirements: