Accident Forgiveness is probably one of the best auto insurance endorsements to be offered, especially in a highly expensive state like Massachusetts. The purpose of this article is to outline which insurance companies offer Car Insurance Accident Forgiveness in Massachusetts.
What is Accident Forgiveness?
So what is so-called “Accident Forgiveness” you are wondering? The purpose of this page is to help you understand what Accident Forgiveness is.
Premier Shield Insurance will also dive into which auto insurance companies offer Accident Forgiveness, and which drivers are eligible for it.
Accident forgiveness is an auto insurance policy endorsement that protects your insurance rate from going up for an at-fault accident. It is an excellent customer retention tool for insurance companies because the price is only forgiven with the carrier you have and not all the other carriers. So if you shop for rates GEICO will see the accident and rate you against it.
How does Accident Forgiveness Work?
As an independent insurance agent, I run into a lot of homeowners in cities like Boston, Springfield, Framingham, and Worcester.
These are 99 or 98 SDIP Drivers who typically own homes and are looking for lower city insurance prices. They may be experiencing increase rates due to many Massachusetts insurance companies rating against Not-Fault and Hit-and-Runs.
A good friend of mine is a 99 driver in Worcester and has been rear-ended 2 times in the past year. I explained the insurance companies will rate against him now with companies like Progressive and Plymouth Rock.
He has Accident Forgiveness with Concord so I explained with he has nothing to worry about with Concord.
What Massachusetts Insurance Companies offer Accident Forgiveness?
Just call 1-774-847-7746 for a free quote. If you’re a 99 or a 98 SDIP Driver we’ll make sure to set you with Accident Forgiveness standard on every policy.
Concord Group Accident Forgiveness -$55 a year with Concord will give you extra protection against increased rates in the event of an at-fault collision. Qualifications: Must be a 99 or a 98 SDIP Driver
Plymouth Rock Accident Forgiveness – When an eligible customer purchases Accident Forgiveness, upon the next renewal Plymouth Rock will waive a surchargeable accident if certain criteria are met. Qualifications: Must be a 99 or a 98 SDIP Driver
Progressive Accident Forgiveness – Progressive does not offer immediate accident forgiveness. As one of the largest insures in the nation they have a national loyalty rewards program to reward existing customers.
Part of the loyal program is Progressive Small Accident Forgiveness which forgives minor accidents Qualifications: Must have 3 Years with Progressive. They also offer Progressive Large Accident Forgiveness. for Progressive Qualifications: Customers that have at least 10 years with Progressive.
Safeco Accident Forgiveness – Safeco does not offer immediate accident forgiveness. They have a national loyalty rewards program to reward existing customers. Qualifications: Customers that have at least 3 years with accident-free with Safeco.
Massachusetts Accident Forgiveness by Carrier
| Insurer | Offers accident forgiveness option in MA? |
| AAA | Yes |
| Allstate | Yes |
| American Family | No |
| Amica | Yes |
| Arbella | Yes |
| Concord Group (Auto-Owners) | Yes |
| Erie | Yes |
| Farmers | No |
| Foremost | No |
| Geico | No |
| Hartford | No |
| Hanover | Yes |
| Infinity | No |
| Liberty Mutual | Yes |
| Mapfre | Yes |
| Mercury | No |
| MetLife | No |
| National General | No |
| Nationwide | No |
| Progressive | Yes |
| State Farm | No |
| Safety | Yes |
| Travelers | Yes |
| USAA | Yes |
Top 5 Accident Forgiveness Resources
- Accident Forgiveness – What You Should Know | Mass.gov
- Accident Forgiveness Car Insurance: Is it Worth It? | The Zebra
- How much will my insurance go up after an accident? – Insure.com
- What Is Accident Forgiveness, and Who Offers it? – The Balance
- Think Twice Before Paying for Accident Forgiveness – NerdWallet
Related Insurance Companies: AAA, Allstate, AMICA, Arbella, Concord, GEICO, Liberty Mutual, MAPFRE, Premier, Plymouth Rock, Progressive