Auto Insurance

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Your vehicle can be a fairly costly investment—one that is exposed to many potential losses that are out of your control. We’ll make sure you have the protection you need at a price you can afford.

Insurance for the vehicle you rely on daily.

A car or truck is often your biggest asset aside from your home. Auto insurance protects against potentially crippling financial losses and the sheer inconvenience of being without transportation.

What is the minimum required coverage?

Remember, not all car insurance is created equal. Some auto insurance policies simply meet legal requirements. In most states, this means your auto insurance will cover the damage you cause to other cars in collisions. However, auto insurance in some no-fault states will also cover your own car or truck. Additionally, the law usually states that auto insurance policies must cover some medical bills that result from a car crash.

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Bodily Injury Liability Coverage

Risk Factor

It’s easy to get distracted while driving. All it takes is an incoming text message, a fussy baby, or changing the radio station and your eyes are off the road long enough to crash into the slowing vehicle in front of you. As an owner/operator of the vehicle, you may be held financially responsible for any bodily injuries caused as a result of the accident.


Bodily injury liability covers your legal liability for a covered accident that involves injury to another person, up to the limit of liability you select. Purchase enough coverage to protect your assets should a claim be brought against you or if you are sued. You should also consider purchasing an excess liability policy which may provide additional limits of liability.

Property Damage Coverage

Risk Factor

When involved in an auto accident, you and your family may be financially responsible for any damage caused by your vehicle to someone else’s property. Usually this means damage to someone else’s car, but it can really be any property damaged by your vehicle.


Property damage coverage protects you if your car damages someone else's property, such as another car, a fence, or building front. When choosing your property damage liability limits, you should consider all of your assets, including your home and future earnings because if you don't have enough coverage to protect all of your assets, those assets could be at risk if you're liable for damages that exceed your coverage limit. Consider having a higher limit of liability coverage – it may help you avoid having to pay out-of-pocket after an at-fault accident.

Medical Payments Coverage

Risk Factor

Depending on the severity of the injuries suffered in an automobile accident, whether caused by you or by the other vehicle, it’s not uncommon for healthcare costs to run into the thousands of dollars, with a large portion being out-of-pocket expenses not covered by your health care plan.


Medical payments coverage can help cover all reasonable medical expenses and funeral expenses of covered drivers and passengers after an accident, regardless of fault. In most states, it's an optional addition to your car insurance policy.

Uninsured / Underinsured Motorist Damage Coverage

Risk Factor

What happens when the driver who hit you doesn't have enough liability coverage? Or, even worse, takes off? According to the Insurance Research Council, this happens more than you might expect. In fact, it is estimated that one in seven drivers go uninsured, leaving you to pay out-of-pocket for damages and medical expenses not covered by the other driver.


Uninsured/underinsured motorist damage coverage may compensate you for bodily injury and lost wages caused by an uninsured motorist, a hit-and-run driver, a driver whose automobile insurance company is insolvent, or a driver who has not purchased enough coverage to pay for damages.

Physical Damage Coverage

Risk Factor

Your automobile can be a fairly costly investment – one that is exposed to many potential losses caused by weather related events, theft, and other circumstances that may be out of your control.


Physical damage coverage can protect your vehicle if it is damaged in an accident (collision coverage), is damaged by something other than a collision (comprehensive coverage) with a vehicle or object or if your vehicle is stolen. This coverage is optional if your vehicle is paid in full, but it is coverage you should consider if you want to fully protect your vehicle.

Transportation Expenses / Rental Coverage

Risk Factor

When your vehicle is being repaired or replaced due to a covered loss, you may have to rent a vehicle to get you to and from your daily responsibilities without any interruption. Vehicle rental can get expensive, especially over an extended period of time.


Transportation expenses/rental coverage is an inexpensive option you can add to your auto insurance policy to pay for the cost to rent a temporary replacement vehicle or the cost of public or private transportation if your vehicle is ever in an accident. This coverage is available in a variety of daily limits.

Take your auto policy further with beneficial add-ons.

Other auto insurance policies go further and protect your car or truck if it is stolen, damaged or destroyed by fire, or damaged in a car accident that doesn’t involve any other vehicles. You can also get policies that protect your car if it is damaged by an uninsured driver.

Talk with us and ensure you have the proper car insurance coverage in place with the right insurance company. Otherwise, you’re putting yourself, your family, and others at risk.

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Premier Shield is a local, Auburn Massachusetts-based, independent auto/home agency, specializing in helping high-value homeowners, as well as new & first-time homebuyers, find the best home insurance coverage and policy.

Trust & experienced Premier Shield insurance agents can help you shop and compare different insurance carrier rates and coverage options. Our local MA car insurance agents can help you find a better insurance policy and a lower cost.

Working with a Premier Shield agent makes switching insurance companies simple & easy saving you both time and money trying to get quotes from big insurance companies and secure better car and home insurance company bundles and lower premiums.

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Resources and Information about Car Insurance


If you’re a new Premier Shield auto insurance customer, you can service your auto or home insurance policy with 24/7 phone & online access here.

If you are currently not a Premier Shield Insurance agency customer but you would like help with your current 2021 or 2022 auto insurance policy we can help!

Premier Shield auto insurance agents help you by shopping and comparing new insurance providers. Our trusted & local auto agents help you with evaluating your current coverage, with more comprehensive policy choices/options.

Find cheaper car insurance policies with money-saving insurance discounts, better coverage options, packages & bundles, and lower automobile insurance policy costs.

Discover working with an independent auto insurance agent, can help you lower rates, find better policy prices, and custom coverage options with cheap car insurance quotes from Premier Shield (in Massachusetts, Connecticut, New Hampshire, New Mexico, Ohio, Virginia, South Carolina, Maine, Texas, and Rhode Island) learn more about Premier Shield Insurance’s products and coverage area.

If you have a Premier Shield Car Insurance company competitor (companies like Allstate, American Family, Amica, Arbella, Concord Group, Esurance, Erie, Farmers, Foremost, GEICO, Liberty Mutual, MAPFRE/Commerce, Mercury, Metlife, Norfolk & Dedham, State Farm, National General, Nationwide, Progressive, The General Insurance, The Hartford, Travelers, USAA, or Vermont Mutual) you may be “experiencing car insurance price increasing in 2021/2022

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Frequently Asked Vehicle & Car Insurance Questions

Learn more about commonly asked insurance-related questions by visiting our FAQ section.

  • Q: Where can I find cheaper car insurance in Massachusetts?


    A: “Find lower premiums for your Massachusetts personal auto insurance policy with Premier Shield’s low-cost car insurance quotes.


    Q: What is an automobile insurance company policy deductible?

    A: “Your car’s insurance policy deductible is basically the amount you pay out-of-pocket BEFORE coverage auto insurance coverage kicks in. So if you have selected a $1,000 deductible, you’re responsible for all damages up to $1,000 before the insurance company claims payments start.

Save Money with Insurance Coverage and Rates for New & Used Cars with Premier Shield Car Insurance

In 2021 & 2022 consumers are switching to Premier Shield to “Save Money” and find lower insurance company quotes, prices, premiums, and rates for “New & Used Cars” with car insurance quotes from Premier Shield Car Insurance.


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