There are two terrific endorsements that some insurance companies in Massachusetts offer: Disappearing Deductible and Accident Forgiveness.
Safety Insurance, for example, offers a nifty endorsement called the “Shield Plus” endorsement.
It’s only available if you’re a “99” or “98” driver (violation and accident free for at least 5 years) and costs $35 annually, per vehicle.
The endorsement includes:
- -$500 Disappearing Collision Deductible Credit
- Accident Forgiveness (If in an accident during the policy term, Safety Insurance will not apply additional accident surcharge points to your driving record!)
- Air Bag Coverage
- Personal Effects Coverage
- Rental vehicle Loss of Income
- Emergency Road Travel Expenses
- Supplemental Towing & Labor
- Extended Substitute Transportation
- Seat Belt Coverage
- Pet Coverage
- Extended Substitute Transportation
Often we recommend this endorsement. If you presently carry a $500 Collision deductible, you can typically save between $100 – $400 annually by carrying a $1,000 Collision deductible.
The Safety Shield Plus endorsement, with it’s -$500 disappearing deductible feature, lowers the $1,000 deductible to $500.
Even better than the deductible is Accident Forgiveness.
If you have Accident Forgiveness, your insurance premium won’t increase because of an at-fault accident. This will save you thousands of dollars over the term of the surcharge.
Give us a call or click to find out more.
Thank you for insuring with Johnson & Rohan Insurance.