12/26/2018 1:00 PM | 0 Comments

You most likely have home or renter’s insurance and auto insurance, but are you making the most of these policies? Things like accident forgiveness, roadside assistance, and bundling discounts can offer you peace of mind while also helping maintain insurance costs. While you may have heard of some of these coverages from other insurers, you should know that Eastern Insurance offers these same or similar endorsements along with 24/7 service and local support.

Let’s explore these popular coverages in more detail to help you understand why you should consider incorporating them into your existing insurance policies.

Nobody’s Perfect: The Value of Accident Forgiveness

It’s easy to picture — you’re in bumper-to-bumper traffic on 93. Things finally start to move, but then the car in front of you abruptly brakes and you don’t have enough time to react. You crash into the back of their car and are at fault for the collision.

Without accident forgiveness, your auto insurance premium would increase because of this accident. However, if you’ve added accident forgiveness to your car insurance policy your insurance company will waive the price increase that would typically occur.

This additional coverage can help you save in a big way, and options are available for many people. We even have some carriers that will allow you to add Accident Forgiveness with up to four points on your driving record, and carriers that don’t require you to have been insured with them prior to purchasing

It’s important to note that accident forgiveness is not retroactive. This means that the coverage won’t apply to any previous accidents. It also won’t prevent standard rate increases.

Bottom line — accident forgiveness is an affordable coverage that can result in big savings if you’re ever involved in an at-fault accident.

Drive with Peace of Mind: Help is on the way with Roadside Assistance

If you own a vehicle, chances are you’ve experienced the helpless feeling that occurs when your car breaks down or is out of commission. With Roadside Assistance on your auto policy, you can stress a little less knowing that help is on the way when you need it.

The services offered can include flat tire assistance, lock-out service, emergency fluid, and gasoline, and emergency car services like a jump start if your battery dies. Knowing what services are included in your policy and using them wisely can save money that you may have normally spent out of pocket. 

If you already have similar coverage from AAA, you can still receive an additional benefit! Many of our insurance partners can provide a discount to AAA members.

Savings for Days: Why You Should Bundle and Save

It always feels great to get a deal, and insurance is no different. One of the most common ways to save on insurance is by placing your home or renter’s insurance policy and your auto insurance policy with the same company. This is commonly referred to as, “Bundling,” or, “Bundle and Save.” Bundling discounts can range from 5% to 25% and can make it easier to manage your policies.

One of the benefits of working with an insurance agency, like Eastern Insurance, is that you can often obtain a discount for bundling just by having multiple policies with the same agency, even if they aren’t with the same company.

Keep in mind that a bundle and save opportunity may not be available to everyone. For example, if your home must be written with a specific carrier due to non-standard conditions, such as living near the coast, having a trampoline in your yard, or owning a dog of a certain breed, and that carrier does not write auto policies or have an applicable partnership discount, then this feature may not be applicable to you.

The best part of bundle and save coverage is that you can save on your insurance coverage without cutting coverage.

Even though Eastern Insurance is one of the top insurance agencies in the country, we remain committed to serving our local communities and clients. With 24 offices across Massachusetts, we offer 24/7 service and support, and access to many of the most popular insurance products on the market.

Talk to a member of the customer service team at Eastern Insurance about your insurance options to get the coverage you want, and the coverage you need. You can request a quote online, by phone at 1-800-333-7234 (Option 2), or by email at customerservice@easterninsurance.com.


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