TOKU - Treasury of Knowledge for Users

A variety of information you might find useful

User Tools

Site Tools

Trace:
home_auto_insurance

Differences

This shows you the differences between two versions of the page.

Link to this comparison view

Both sides previous revisionPrevious revision
Next revision		Previous revision
home_auto_insurance [2026.04.15 13:47] – [Comparison Table] Steve Isenberghome_auto_insurance [2026.04.15 13:56] (current) – [A Quick Tip on Quotes] Steve Isenberg
Line 8: Line 8:
 ==== Amica Mutual (Auto & Home) ==== ==== Amica Mutual (Auto & Home) ====
 Amica is frequently cited as the gold standard for customer service in Massachusetts. Amica is frequently cited as the gold standard for customer service in Massachusetts.
 +  * [[https://www.amica.com|amica.com]]
   * **Claims Experience:** Ranked #1 in the 2025 J.D. Power Home Insurance Study.   * **Claims Experience:** Ranked #1 in the 2025 J.D. Power Home Insurance Study.
   * **Complaint Index:** 0.62 (significantly better than the national average).   * **Complaint Index:** 0.62 (significantly better than the national average).
Line 15: Line 16:
 ==== The Andover Companies (Home) ==== ==== The Andover Companies (Home) ====
 A regional specialist focusing on New England properties. A regional specialist focusing on New England properties.
 +  * [[https://www.andovercompanies.com|andovercompanies.com]]
   * **Claims Experience:** Uses local adjusters familiar with Eastern MA construction.   * **Claims Experience:** Uses local adjusters familiar with Eastern MA construction.
   * **Complaint Index:** One of the lowest recorded by the MA Division of Insurance.   * **Complaint Index:** One of the lowest recorded by the MA Division of Insurance.
Line 22: Line 24:
 ==== Progressive (Auto) ==== ==== Progressive (Auto) ====
 The choice for the budget-conscious and tech-forward user. The choice for the budget-conscious and tech-forward user.
 +  * [[https://www.progressive.com|progressive.com]]
   * **The Claim Experience:** Excellent “ease of use” via the app, but potentially slower human follow-up.   * **The Claim Experience:** Excellent “ease of use” via the app, but potentially slower human follow-up.
   * **Pros:** Highly competitive rates for auto; “Name Your Price” tool.   * **Pros:** Highly competitive rates for auto; “Name Your Price” tool.
Line 29: Line 32:
 ==== Liberty Mutual (Auto & Home)==== ==== Liberty Mutual (Auto & Home)====
 A major presence in the Boston area with a wide variety of policy types. A major presence in the Boston area with a wide variety of policy types.
 +  * [[https://www.libertymutual.com|libertymutual.com]]
   * **The Claim Experience:** Better-than-average claims satisfaction scores (J.D. Power 717/1000).   * **The Claim Experience:** Better-than-average claims satisfaction scores (J.D. Power 717/1000).
   * **Pros:** Specialized “New Car Replacement” and ”Accident Forgiveness” programs.   * **Pros:** Specialized “New Car Replacement” and ”Accident Forgiveness” programs.
Line 36: Line 40:
 ==== Farmers (Auto) ==== ==== Farmers (Auto) ====
 A balance between national resources and a local agency model. A balance between national resources and a local agency model.
 +  * [[https://www.farmers.com|farmers.com]]
   * **The Claim Experience:** Known for ”Claims Perks” like disappearing deductibles.   * **The Claim Experience:** Known for ”Claims Perks” like disappearing deductibles.
   * **Pros:** Stronger focus on home insurance customization for MA properties.   * **Pros:** Stronger focus on home insurance customization for MA properties.
Line 42: Line 47:
  
 ==== Safety Insurance (Auto & Home) ==== ==== Safety Insurance (Auto & Home) ====
 +  * [[https://www.safetyinsurance.com|safetyinsurance.com]]
   * **Status:** An independent, publicly traded company (Nasdaq: SAFT).   * **Status:** An independent, publicly traded company (Nasdaq: SAFT).
   * **Focus:** Regional specialty. They only write policies in MA, ME, and NH.   * **Focus:** Regional specialty. They only write policies in MA, ME, and NH.
Line 49: Line 55:
 ==== MAPFRE Insurance (Auto & Home) ==== ==== MAPFRE Insurance (Auto & Home) ====
 The largest auto insurer in the state, offering widespread regional support. The largest auto insurer in the state, offering widespread regional support.
 +  * [[https://www.mapfreinsurance.com|mapfreinsurance.com]]
   * **Status:** A subsidiary of a global Spanish conglomerate.   * **Status:** A subsidiary of a global Spanish conglomerate.
   * **Focus:** Formerly **Commerce Insurance**, they are the largest auto insurer in MA.   * **Focus:** Formerly **Commerce Insurance**, they are the largest auto insurer in MA.
Line 54: Line 61:
   * **Claims Experience:** Extensive network of preferred shops in the Boston and Worcester areas.   * **Claims Experience:** Extensive network of preferred shops in the Boston and Worcester areas.
   * **Pro:** ”Selection Service” provides a streamlined, one-stop repair process.   * **Pro:** ”Selection Service” provides a streamlined, one-stop repair process.
 +  * Ensure you select ”Massachusetts” on their homepage, as they were formerly the **Commerce Insurance Company** and have state-specific portals for the MA Registry of Motor Vehicles.  
   * The #1 largest writer of both lines combined in MA.   * The #1 largest writer of both lines combined in MA.
  
 ==== GEICO (Auto) ==== ==== GEICO (Auto) ====
 A dominant national carrier with a massive presence in the Massachusetts market. A dominant national carrier with a massive presence in the Massachusetts market.
 +  * [[https://www.geico.com|geico.com]]
   * **The Claim Experience:** Highly streamlined through their mobile app; “Auto Repair Xpress” simplifies the process in high-density areas like Eastern MA.   * **The Claim Experience:** Highly streamlined through their mobile app; “Auto Repair Xpress” simplifies the process in high-density areas like Eastern MA.
   * **Pros:** Consistently among the lowest rates for single-vehicle policies.   * **Pros:** Consistently among the lowest rates for single-vehicle policies.
Line 95: Line 104:
  
 > A 5-star rating (like the one given to Amica) corresponds to a J.D. Power score in the high 700s. A 3.2-star rating (like Liberty Mutual) corresponds to a score below the industry average. > A 5-star rating (like the one given to Amica) corresponds to a J.D. Power score in the high 700s. A 3.2-star rating (like Liberty Mutual) corresponds to a score below the industry average.
 +
 +====A Quick Tip on Quotes====
 +When you visit these sites:
 +  * **Safety** and **Andover** primarily sell through Independent Agents. Their websites will often help you find an agent in your specific town (like Lexington or Arlington) who can give you a personalized quote.
 +  * **Amica**, **GEICO**, and **Progressive** are ”Direct” writers, meaning you can usually get a full quote and buy the policy entirely through their website without speaking to an agent.
  
 ===== Key Takeaways ===== ===== Key Takeaways =====
home_auto_insurance.1776286057.txt.gz · Last modified: by Steve Isenberg