Effective April 1, 2008, Massachusetts changed to competitive auto insurance rates, which results in an average premium drop of 7.7 percent. This means that each insurance company publishes their own rates.

In addition to their rates, many companies are offering special discounts to their auto clients for various reasons. But, each company is different, with some offering credits for combining your home and auto insurance and others providing loyalty credits or safe driver discounts.

In a recent Boston Globe article, “Navigating The Mass Confusion of Auto Insurance deregulation,” it was noted: “For best deals on auto insurance just shop around.” But why do the shopping yourself, when we can do it for you? Let us put our 100+ years of experience to work for you.

The most frequent question we receive is “Should I change my auto policy now to take advantage of the discount sooner?”  Insurance companies are already filing changes in either their rates or their coverage endorsements.  Therefore, the premiums may be lower in a few months than they are right now.  It could be more beneficial to wait until your policy expires to take advantage of the new rates.

As an independent agency, Deland, Gibson Insurance Associates represents numerous companies. While the majority of Massachusetts’ agents only have one or two auto insurance companies, we represent many of the major auto insurance carriers.

From our wide array of coverage options, we will continue to select the best policy to protect your assets based on your unique situation. Unlike other products you purchase, the lowest price is not always the best bargain. We will look at your entire account to determine what is best for you.

Most of Deland, Gibson clients with good driving records can expect to see a decrease in their auto insurance premium.

If you have any additional questions about auto reform, please feel free to contact us. You also can visit our website www.delandgibsonins.com for updates on this important issue.