An individual (or lawfully married individuals residing in the same household), who owns two or more automobiles and purchases coverage from the same company for at least two such automobiles, shall be entitled to a reduction of the premium applicable to Coverage Parts 1, 2, 4, 5, 7, 8 and 9.  At least two of the automobiles must be private passenger vehicles as defined in Rule 27, except that vehicles classified as antiques are not eligible.  Refer to Miscellaneous Rating Factors page for applicable discount.

A discount of the premiums paid for Part 4 and Part 7 coverages will be given to eligible policyholders who provide evidence of purchase of eleven monthly passes or tickets from a qualifying mass transit system during the automobile policy period .  Refer to the Miscellaneous Rating Factors page for the applicable discount.

1.     Eligibility

 The vehicle must be a private passenger vehicle as defined in Rule 27 and be classified as use class 10, 15, 17, 18, 20, 21, 25 or 26 for a minimum of eleven of twelve months of the policy year.  In addition, the vehicle must not be driven to work or school ten days or more per month.  A minimum of eight of the eleven monthly passes or tickets may be submitted, provided other evidence of purchase is submitted for the missing passes or tickets.  The insurer shall collect all such passes and other evidence used by a policyholder to obtain the discount.

NOTE:  If a policyholder purchases a pre-paid non-refundable annual pass and furnishes proof of such purchase, the discount will be applied to the current policy rather than the expiring policy.

 2.     Replaced Vehicles

 The discount will be computed on the basis of combined earned premium for Parts 4 and 7 provided the replacement vehicle otherwise qualifies for the discount.  If the insured changes insurance companies and replaces the vehicle at the same time, the second company will be responsible for the discount provided the policy has been in effect six months or more.

 3.     Application of Discount

This discount is fully earned and returnable directly to the policyholder unless the policyholder directs that the discount be applied as a credit to premium charges for a renewal policy or it is used to offset undisputed outstanding premium due the insurer.  The maximum discount per eligible vehicle is $75.

4.     Qualifying Massachusetts Transit Systems

Anti-Theft Device

Premiums otherwise applicable to class 10 automobiles shall be reduced by 25% for insureds age 65 or older.  If the principal operator becomes age 65 during the policy year, the class 10 premium must be adjusted as of that date.  The premium adjustment shall be credited to the policyholder on that date unless that date is within sixty days of the expiration date of the policy, in which case the adjustment may be credited to the renewal policy.  A notice of this classification change must be sent to the policyholder either prior to or with the proposed adjustment.  The policyholder is required to notify the company of any change in operator usage which would affect entitlement to the discount.  Companies have the option of applying this discount in either of two ways:

 1.     Compute 75% of the class 10 rate for each part and display the exact dollar and cents results for each part.

  2.     Compute 75% of the class 10 rate for each part and unless the result is a whole dollar amount, reduce the result to the next whole dollar.

The 25% discount is applied to the final premium for each part after all other discounts and rating factors have been completed.  It is the last step in the rating process prior to the application of the Safe Driver Insurance Plan points or credit.

A discount of the premium paid for Parts 1, 2, 3, 4, 5, 6, 7, 8 and 12 will be given to eligible policyholders on request, when the annual mileage of the vehicle falls into one of two categories.  The discount will be based on the actual mileage driven in the previous policy year as determined by a comparison of two odometer readings, at least six months apart, from Registry of Motor Vehicle information or the Annual Mileage Discount Form and other standard automobile insurance forms available to the company.  Refer to the Miscellaneous Rating Factors page for the  applicable categories and discounts.

1.     Eligibility

The vehicle must be a private passenger vehicle as defined in Rule 27, except that vehicles classified as Antiques are not eligible.  The company may request that the applicant for the discount complete the Annual Mileage Discount Form approved by the Commissioner of Insurance for the verification of eligibility for the discount.

The applicable discount applies to rates otherwise determined for each insured vehicle by coverage, limits purchased, territory, driver class, and model year and symbol prior to the application of points or credit under the Safe Driver Insurance Plan.

A 25% discount of the premium paid for Parts 2, 3, 6 and 12 will be given to eligible policyholders for qualifying vehicles which contain occupant safety features approved by the Commissioner of Insurance.   These features are:  an airbag installed for either the driver’s seating position or both front outboard designated seating positions or an automatic seatbelt installed for either the driver’s seating positions or both front outboard designated seating positions.