There are situations when you could realize more substantial savings or have better coverage through a carrier that doesn’t provide the same discount structure. Our trusted professionals provide you with guidance on evaluating a wide variety of options so that you can make informed decisions. Contact us for details about any of these discount opportunities. Some of the discount and rating factors considered by carriers include:

Auto and Home Package Discount

You can often save up to 20% on auto insurance when your auto and home (homeowners, condo, or renters) policies are with the same insurance company.  Most companies provide an additional discount on your home policy to make the savings substantial.

Multi-Car Discounts

You can often qualify for a discount if you and/or your spouse/partner insure two or more cars and meet certain requirements.

AAA Member or Other Motor Club

Some insurance companies provide a discount to members of qualifying motor clubs, such as AAA, Cross-Country, GM Motor Club, Onstar, and others. If you are a member of one of these clubs, please let us know.

Anti-Theft Device

Many new vehicles come with factory-installed anti-theft devices; you can install additional devices. Depending on what you have installed, you can qualify for a 5%-35% anti-theft device discount on Comprehensive Coverage. Review the Anti-Theft Device Discount Verification Form for details on specific anti-theft devices and applicable discounts, and talk to a trusted Murphy Insurance professional to make sure we are aware of anti-theft devices in your vehicles.

Group Discounts

The Mass Division of Insurance approves certain interest groups for special auto insurance discounts. Please take a moment to review the complete Group Discount Programs below, and if you are a member of a qualified group, be sure to let us know so that we consider it when comparing auto insurance options for you.

Low Mileage Discount

You can qualify for a low mileage discount if you drive less than 5,000 miles per year. Some carriers will provide a low mileage discount if you drive 7,500 or 10,000. To receive this discount, you must verify your low mileage by submitting an Annual Mileage Discount Form.

Good Student Discount

Some insurance carriers provide a discount on qualifying policies for a high school or college student who maintains a grade average of “B” or 3.0 or better.

Student Away Discount

In qualifying situations where a student residing in your home is away at school, some insurance companies may provide a discount because the student is driving a vehicle less.

Loyalty Discounts

Some companies reward customers with reduced rates or discounts depending on how long you have had your insurance with their company.

Age 65 or Older

After all other discounts and rating factors are applied, if you are age 65 or older, you can receive an additional discount.

Basic and Advanced Driver Training Course

New drivers may qualify for a discount if they take a basic training course. Also, certain carriers provide a specific discount or consider it a preferential rating factor if you have completed a qualified advanced driver training program, e.g., In Control Advanced Driver Training.

Hybrid Vehicles

Some companies offer discounts or preferential ratings if you drive a hybrid vehicle.