Auto Insurance
We all enjoy the freedom of the open road—but with that freedom comes a specific set of risks and responsibilities. That’s why the team at Marquis & Coughlan Insurance Agency is proud of the superior customer support and exceptional car insurance strategies we provide residents all across the state.
We take pride in the fact that we can go above and beyond the standard insurance offering and secure you effective vehicle coverage you can truly rely on. Auto insurance can protect you from loss in the event of an unfortunate accident, which is why it is vital that we help drivers to enroll in a dependable auto coverage program.
At Marquis & Coughlan Insurance Agency we provide you with as many options as possible; thus enabling our comprehensive insurance products to allow you the opportunity to custom build a policy that meets all of your car insurance needs!
We offer the following options for Auto Insurance
- Bodily Injury Liability – covers injuries to others caused by the policyholder while operating an automobile.
- Medical or Personal Injury Protection – covers treatment of the driver and passengers of the policyholder’s car in the event of an accident.
- Property Damage Liability – covers damages caused to someone else’s property by the policyholder while operating an automobile.
- Collision – insures the policyholder from loss during a collision with another vehicle or object.
- Comprehensive – protection for the policyholder’s car from damage and loss resulting from incidents other than collision.
- Uninsured Motorist Coverage – covers medical treatment of the policyholder’s injuries in the event of a collision with an uninsured driver.
At Marquis & Coughlan Insurance Agency, we understand that you want to be fully covered for a wide range of auto risks—yet at the same time you’re trying to keep premiums and expenses in mind. It’s our job to work with you to customize the right protection plan that fits you, your car and your family. Use the quote form at the bottom of the page to contact us today to start the process and get your auto insurance quote.
MAPFRE Discounts
MAPFRE Insurance offers a multitude of discounts to ensure that you’re getting the most value out of your policy. Auto and vehicle include:
- AAA Member Discounts
- By insuring your auto, home and umbrella, a homeowner insurance discount and a discount on auto insurance.
- Shop Smart credit
- Welcome Back credit when prior Loyalty applies.
- Paid-in-Full discount
- Good Student discount
- Student away from home discount
- Annual Mileage discount
- Smart driver discount (Ask about InControl Crash Prevention Training or teenSmart Training Programs)
- Multi-Car discount
- Clean in Three discount
- Pan Mass Discounts. Discounts offered for donating and also for Riding in the Pan Mass Challenge.
- Ask us about other discounts you might want to take advantage of.
Frequently Asked Questions
What is uninsured motorist coverage?
This coverage is for when you are in an accident and it’s the other drivers’ fault and they have no insurance. Your Massachusetts policy might provide coverage for medical costs, lost earnings, and other expenses following an accident, depending on your specific coverage.
Is full coverage required on a financed vehicle?
Most lenders require full coverage auto insurance on financed vehicles. This usually includes liability, collision, and comprehensive coverage to help protect the lender’s financial interest in the vehicle.
Why are auto insurance rates different between companies?
Every insurance company calculates rates differently and offers different discounts. That’s why drivers in Massachusetts can receive very different quotes for the same type of coverage.
Does auto insurance cover mechanical breakdowns?
Auto insurance generally does not cover normal mechanical breakdowns or wear and tear. Insurance policies in Massachusetts are designed for sudden and accidental damage rather than routine maintenance or mechanical failures.
Does auto insurance cover business use of a vehicle?
Personal auto insurance may provide limited coverage for business use, but it depends on how the vehicle is used. Drivers in Lexington who regularly use vehicles for work may need commercial auto insurance.
Does my insurance cover rental reimbursement after an accident?
Rental reimbursement coverage may help pay for a rental vehicle while your car is being repaired after a covered claim. Drivers in Massachusetts should review daily and total reimbursement limits on their policy.
What happens if I let my auto insurance lapse?
Allowing your auto insurance to lapse can lead to fines, registration issues, higher future rates, and gaps in protection. Drivers in Massachusetts should avoid coverage interruptions whenever possible to maintain continuous insurance history.
Does auto insurance cover hitting a deer?
Yes, hitting a deer is usually covered under comprehensive auto insurance. Drivers in Massachusetts often rely on comprehensive coverage for animal-related accidents, especially during peak deer activity seasons.
Can I get insurance for a financed vehicle?
Yes, financed vehicles can and should be insured. Lenders in Lexington, Massachusetts typically require drivers to carry full coverage auto insurance until the loan is fully paid off.
Does working from home affect auto insurance?
Working from home can sometimes lower auto insurance costs if it reduces your daily commute and annual mileage. Drivers in Massachusetts should update their insurance company if their driving habits have changed significantly.
GET IN TOUCH!
Contact us today to learn more about insuring your new venture or
to review your existing policy.
The information provided on this website is for general informational purposes only and does not constitute insurance advice. Coverage cannot be bound, altered, or canceled via this website, email, voicemail, or online forms. All coverage is subject to the terms, conditions, and exclusions of the policy issued. Please speak with a licensed agent for specific coverage guidance.
147 Lowell Street
Methuen, MA 01844
Licensed to write policies in MA, ME & NH
Hours
Monday-Tuesday: 9:00am - 5:00pm
Wednesday: 9:00am -3:00pm
Thursday-Friday: 9:00am - 5:00pm
Closed on Weekends and Holidays
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