Auto Insurance

Bearingstar Insurance agents work with several of the industry’s best carriers and can provide you with the right policy at an affordable price. The basic auto insurance policy actually consists of several different coverage components that, when combined, protect you and your loved ones. Below is a list of all the different types of coverage included in an auto policy.

  • Liability Coverages
    • Bodily Injury Liability
    • Property Damage Liability
  • Medical Payments or Reparations Benefits
  • Uninsured & Underinsured Motorists Coverage
  • Damage to Your Auto
    • Collision & Comprehensive
    • Glass Coverage
  • Transportation Expense
  • Towing and Labor

Your Bearingstar agent has a full understanding of auto insurance and can guide you through the process of selecting the best coverage for you, and will provide you with options for any additional protection you may need. And, you may save money when you combine your homeowners policy with your auto policy.

Please be aware that this information is offered for general purposes. It is not a legal definition of any policy, many of which vary slightly, and is not a substitute for reading and understanding your own policy.

Massachusetts Auto Discounts

Many factors will affect your actual insurance premium. Some of these include your driving record, where your vehicles are garaged, the make and model of the vehicle(s), the age and driving experience of operators, and coverage options selected. To help get you the best value, most companies offer a wide range of discounts, some of which are summarized below. When applying for an auto quote, your Bearingstar Insurance agent will assist you in identifying all your eligible discounts.

Arbella Advantage Discount: If you are new to Arbella, you may qualify to save on your auto insurance policy

Active-Duty Military Discount: Additional savings for military personnel who are deployed on duty more than 100 miles from their car’s original garaging location

Paid-in-Full Discount: You may be eligible for savings if you pay your entire premium amount as your first car insurance payment

Account Credit: Additional discount for insuring both your automobile(s) and your home or condo with the same insurer

Hybrid or Electric Vehicles: If you operate a hybrid or electric vehicle, you may be eligible for a discount on your auto policy

Renewal Credit: You may be eligible for additional savings for each year your policy renews

Anti-Theft Devices: Depending on the anti-theft device your car has, you may qualify to save on your policy

Annual Mileage Discount: Drivers who travel fewer than 10,000 miles per year may be eligible for a credit on their policy

Youthful Driver Discounts: Driver training discounts for youthful operators who have satisfactorily completed a driver education course, and good student discounts for youthful operators who maintain a “B” or better grade point average. You can also save on your policy if you have a youthful driver (less than six years of experience) who lives at a college or another accredited educational institution that is more than 100 miles away from where the car is garaged on your policy

Driver Simulator Training: Youthful drivers who successfully complete a driver safety training program, including both a driver simulator and an Arbella-approved training curriculum, may save on their Arbella auto policy

Advanced Driver Training: Youthful and/or inexperienced drivers who complete a basic driver training course and one of the below programs may qualify for an additional discount

Multi-Car: You may qualify for a discount if you insure multiple vehicles with certain carriers, even if they are insured on different policies

Multi-Vehicle: You may qualify for a discount if you insure more than one vehicle on one policy

Employee Group Programs: Based on either your employer or affiliation with a professional association, you may also qualify for special group discounted rates

Connecticut Auto Discounts

Many factors will affect your actual insurance premium. Some of these include your driving record, where your vehicles are garaged, the make and model of the vehicle(s), the age and driving experience of operators, and coverage options selected. To help get you the best value, most companies offer a wide range of discounts, some of which are summarized below. When applying for an auto quote, your Bearingstar Insurance agent will assist you in identifying all your eligible discounts.

Arbella Advantage Discount: If you qualify, the Arbella Advantage discount will give Arbella policyholders additional savings

Agency Account Credit: You may qualify for a discount when you insure your home and auto within the agency, even if the policies are with different carriers

Multi-Car: You could qualify for a discount when you insure more than one vehicle on a policy

Account Credit: Additional discount for insuring both your automobile(s) and your home or condo with the same insurer

Vehicle Safety Credits: Discounts for safety devices that your vehicles are equipped with. These include passive restraint credits (air bags and automatic seat belts), anti-lock brake credits, and anti-theft credits (alarm system)

Paid-in-Full Discount: You may be eligible for savings if you pay your entire premium amount as your first car insurance payment

Youthful Driver Discounts: Driver training discounts are available for youthful operators who have satisfactorily completed a driver education course and good student discounts for youthful operators who maintain a “B” or better grade point average. You can also save on your policy if you have a youthful driver (less than six years of experience) who lives at a college or another accredited educational institution that is more than 100 miles away from where the car is garaged on your policy

Accident Prevention Course Discount: This credit applies to an operator who has successfully completed an approved accident prevention course

Employee Group Programs: Based on either your employer or affiliation with a professional association, you may also qualify for special group discounted rates