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What affects the price of your auto insurance?

Massachusetts “managed competition” has significantly increased the variety of factors used by insurance companies to determine auto insurance premiums. Every insurance company has its own unique guidelines and applies factors differently, which is why we compare companies, coverage and price to help you determine the best value. While you can’t control every factor, some decisions you make will impact the amount you’ll pay.

We work with multiple insurance companies, which may change we ask you a variety of detailed questions and periodically ask you to provide us with updated information. 


kind of car you drive 

Your choice of car impacts your insurance cost. Some insurers increase premiums for cars more susceptible to damage or occupant injury, and lower rates for those that fare better than the norm. Generally, the more expensive the car, the more you pay. Before finalizing a car purchase decision, talk to us to consider your insurance costs.

how much coverage you buy 

There are 12 different parts to your auto coverage. The amount of coverage you choose in each category impacts the overall cost. We always recommend not risking a lot for a little, and it isn’t always significantly more to have the higher protection limits.

deductibles you choose  

Choosing a higher deductible to reduce your overall premium is a smart way to manage costs. You need to consider how much you are able and willing to pay out-of-pocket in the event of a covered loss claim.

where you live aka garaging location

Also known as “garaging” can impact insurance costs because cities and towns are given different “territory” classifications based on a variety of rating factors. The garaging information listed on your policy must be accurate.  If you move or your car will be in another location for an extended period of time, you should notify us immediately. Having incorrect information on your policy could effect coverage if you have a claim.

years of experience and driving record 

Drivers with 6 or more years of experience pay lower premiums. However, drivers who commit traffic violations or are found 50% or more at fault for accidents generally must pay more than those who are accident-free for five years.

how much you drive

If you drive your vehicle less than 5,000, 7,500 or 10,000 miles per year, you may qualify for a low mileage discount on your premium. 

other discounts you may qualify for

Here are a variety of discounts that you may qualify for that can reduce the price of your auto insurance. These include discounts for:

  • Completion of a qualified basic and/or advanced driver training program.
  • Having a home policy or multiple cars insured with the same company.
  • Having an anti-theft device.
  • A vehicle with passive restraint device(s).
  • Use of public transit.
  • Number of years you've been with same insurance company.
  • Number of miles driven annually.
  • Years of driving experience.
  • Being age 65 or older.
  • Being a high school or college student maintaining a grade average of “B” or 3.0 or higher.
  • Having a student residing in your home who is currently living away at college.
  • Being a member of a group/organization approved by the state for a special group discount.
  • Being a member of a motor club, i.e. AAA, Cross-Country, GM Motor Club, Onstar, etc.

NOTE: This information is only a general description of the available coverages and is not a statement of contract. All coverages are subject to all policy provisions and applicable endorsements. Some coverage may be subject to individual insureds meeting underwriting qualifications and to availability within a state. For further information contact a Murphy Insurance Agency Associate.