Auto insurance can protect you against the financial risk associated with personal injuries and property damage caused by auto accidents, theft and vandalism. Massachusetts requires you to purchase at a minimum amount of liability coverage. Other coverage may be required if you have a car loan or lease. Many factors affect your auto insurance premium, including how long you have been driving, the town/city in which you live, the make and model of your car, and your driving record.

It may sound confusing, but at Buckley Insurance Agency, our representatives can break down the options available to you to help make your decision easy. We’ll make sure you choose the right coverage to protect you and your assets.

Insurance premiums for the same coverage on the same car can vary widely among different insurers. A good time to shop around for you insurance is when your current policy is up for renewal, but you change insurance agents and carriers at any time. Buckley Insurance guarantees you the best price, best value and the best protection. 

Coverage Options

Liability coverage

Liability coverage is required by the state. You must have this insurance if you own an automobile.

Bodily injury liability protects you and your assets if you are held liable for an auto accident in which other people are injured or killed.

Property damage liability covers repairing or replacing the autos or other property of other people.

To adequately protect your assets, you may consider purchasing much more than the minimum amount of coverage required in your state.

Additional coverages
Although these coverages are optional you may want to consider them to protect yourself and your assets.  

Collision coverage pays to repair or replace your car if it's damaged in an accident.

Comprehensive coverage insures your car against damage caused by something other than an auto accident, like vandalism.

Uninsured/underinsured motorist coverage insures you against certain losses caused by other drivers with little (underinsured) or no (uninsured) auto insurance. It can cover things like lost wages as well, and provides coverage to your passengers, and those listed on your policy while riding in other cars or as pedestrians.

Medical payments coverage or personal injury protection covers various medical and/or funeral expenses for you and your passengers, as well as those listed on your policy while riding in other cars or as pedestrians.

Discounts available

Home owners and car insurance discount
Get a discount on your auto policy when you insure your home, condo or apartment  

Safe driver discount
The Safe Driver Insurance Plan (SDIP) is mandated by state law to establish classifications of risks to fairly reflect the driving records of insureds and adjust premiums based in part on at-fault accidents. The plan encourages safe driving by rewarding drivers who do not cause accidents or incur traffic law violations with a credit to their automobile insurance premiums, and discourages unsafe driving by requiring high-risk drivers to pay a greater share of insurance costs.

Anti-theft discount
Save when you install an anti-theft device in your vehicle. Savings vary based on the device installed and the state where you garage your vehicle.

AAA Discount
If you an AAA member, you will receive a 5 percent discount on your auto policy. Other group discounts are available. Ask your Buckley representative for details.

Passive Restraint Discount
A 25 percent discount is available if your automobile is equipped with an air bag or automatic seat belts.

Annual Mileage
A 10 percent discount is available if your estimated annual mileage falls between 0 and 5000 miles. A 5 percent discount is available if your estimated annual mileage falls between 5001 and 7500 miles. Note that antique automobiles are not eligible for this discount.

Anti-Theft Discount
Anti Theft Discounts of up to 36 percent off of the premium paid for Part 9 are available for automobiles with various types of qualifying anti-theft devices.

Multiple Car Discount
A 5 percent discount for is available if an individual or married couple own two or more automobiles insured by the same company. The discount applies only to automobiles that have no inexperienced operators and are not customarily used in business.

Driver Training
A 10 percent discount is available to operators licensed for less than 3 years upon completion of an approved Driver Training Program.