Western Mass Auto Insurance Review (2024)

What You Should Know About Western Mass Auto Insurance

Living in western Massachusetts, you have some of the most scenic drives in the United States right at your doorstep. Whether you plan to travel through the Berkshire foothills or head further afield into western Massachusetts, you’ll want the best auto insurance available.

While you have access to all the national insurance providers as a Massachusetts resident, you can also work with local agencies like Western Mass Auto Insurance. We’ll be reviewing their offerings, processes, and reputation to help you decide if Western Mass Auto insurance is right for you and your insurance needs.

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About Western Mass Auto Insurance

Western Mass Auto Insurance is a relative newcomer to the insurance game. Founded in September of 2014, the company has quickly become a local favorite by providing top-notch customer service and great rates to the region of western MA.

The agency maintains its neighborhood connection with two convenient locations. One office is in the Forest Park area of Springfield, while the other sits in the suburb of Indian Orchard. Through these locations, they serve the areas surrounding:

• Agawam
• Chicopee
• Holyoke
• Longmeadow
• Ludlow
• Northampton
• Palmer
• South Hadley
• Westfield
• Wilbraham

Western Mass Auto Insurance Coverage Offered

Before you purchase car insurance, keep in mind that each state has its own coverage requirements. All Massachusetts drivers must have the following types of coverage:

• Personal injury protection. The required minimum coverage limit is $8,000 per person per accident.
• Bodily injury to others. The required minimum coverage limit is $20,000 per person and $40,000 per accident.
• Bodily injury caused by an uninsured auto. The required minimum coverage limit is $20,000 per person and $40,000 per accident.
• Damage to someone else’s property. The required minimum coverage limit is $5,000 per accident.

Additionally, those financing their vehicle will likely need collision and comprehensive coverage. For extra protection, you may want to purchase optional coverage like roadside assistance or uninsured motorist insurance. If you’re unsure, check with the dealership about insuring a car with a loan.

As a Massachusetts-based insurance agency, Western Mass Auto Insurance facilitates all of the above and more. Here are some details about each coverage type they can offer:

• Bodily Injury to Others. If a Massachusetts-based accident you’re involved in results in injury or death, the company will pay for funeral costs and lost wages.
• Personal Injury, This option covers any lost wages, medical expenses, and other costs if you’re injured in an accident.
• Injury Caused by Uninsured Auto. When a driver with minimal or no insurance coverage causes an accident, they may not be able to cover your costs. This coverage ensures you won’t pay out of pocket.
• Property Damage. Whether you damage another driver’s vehicle or a third party’s property, you’ll be covered.
• Optional Bodily Injury to Others. If you’re involved in an accident outside of Massachusetts that results in injury or death, the insurance company will pay for funeral costs or lost wages.
• Medical Payments. Should an accident land you in the hospital, Western Mass Auto Insurance will cover your medical expenses.
• Collision. With collision coverage, you’ll be reimbursed for damages caused by striking another car or an object.
• Comprehensive. The agency’s comprehensive coverage offerings protect you against damage caused by theft, vandalism, fire, flooding, falling objects, explosions, and civil unrest.

The coverages you decide to include in your policy depend on both the state requirements and your personal needs.

Bundling Options

In addition to personal car insurance, Western Mass Auto Insurance also provides:

• Motorcycle insurance
• Commercial vehicle insurance
• Home insurance
• Apartment insurance
• Renters insurance

Bundling their offerings together allows you to save money. For example, if you’re planning to insure your home, apartment, or condo alongside your vehicle, you could save up to 22% by insuring both with Western Mass Auto Insurance.

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Western Mass Auto Insurance’s Potential Discounts

On the topic of saving money and offering defensive driving tips, Western Mass Auto Insurance allows you to take advantage of several discounts, including:

• Safe driving records
• Senior driver discounts (65+)
• Paying in full annually

While your total discount amount will depend on a variety of factors, Western Mass Auto Insurance claims that their average customer saves $400 per year.

Western Mass Auto Insurance’s Special Programs

Western Mass Auto Insurance offers a few services that set them apart from the pack. Most notably, they believe in a “come one, come all” philosophy. As a way to welcome all drivers, they can assist with insurance for:

• Drivers with high points. Those with poor driving records can still find reasonable insurance rates with the agency. Plus, they can help come up with a plan to decrease rates over time.
• Drivers with canceled policies. If your previous policy was canceled due to nonpayment, Western Mass Auto Insurance can help.
• Drivers with foreign licenses. Licenses from outside the U.S. are accepted.
• Drivers with tickets or DUIs. The agency has several options for drivers with traffic violations.

Their other claim to fame is their promise to have you in and out in 15 minutes. With on-site Registry of Motor Vehicles (RMV) services, you can receive your insurance and your license plates in no time. You can also transfer or cancel your plates in their offices.

Western Mass Auto Insurance Claim Process

As an insurance agency, Western Mass Auto Insurance works with several insurance companies to find you the best price, including:

• Progressive
• Bristol West Insurance Group
• MAPFRE
• The Hanover Insurance Group
• Plymouth Rock Assurance
• SafetyInsurance

Depending on which insurance company you choose, the claim process will vary slightly. However, each company has a “File Online” option for claims, and Western Mass Auto Insurance has conveniently grouped its portals in one place.

If you prefer to file your claim over the phone, you can call any of their partner companies through that page. Alternatively, if you need assistance, Western Mass Auto Insurance has a direct phone number for claim inquiries: 413-543-3800.

Finally, the agency provides an on-site accident report form on its website. Using this form, you can conveniently record the location and time of the accident, any details, the other driver’s information, photos, and more.

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Information Needed to File a Claim

Your exact needs will depend on the company through which you’re filing your claim, but in general, you’ll have to provide:

• The location, date, and time of the accident
• The involved parties’ names, contact, and vehicle information
• Each parties’ insurance policies
• Detailed photos of the incident
• A photocopy of the accident report or police report

Western Mass Auto Insurance’s Industry Standing

As a local insurance agency, Western Mass Auto Insurance isn’t on the radar of the top industry watchdogs or awards organizations. Nonetheless, they’ve received glowing reviews from the people who matter most: their customers.

Both of their locations have scored excellent ratings on Google Reviews. The Springfield office has a 4.7-star rating with 139 reviews, while the Indian Orchard location has earned a 4.8 with 222 customer reviews.

Here are some of the standout reviews for Western Mass Auto Insurance:

“This has been, by far, nothing but a wonderful and professional experience with Western Mass Auto Insurance. I’ve been a loyal client of this franchise for years. They have exceeded all expectations in regards to knowledge and customer service.” – Rebecca Santos.

“My experience was wonderful. Not only was it quick, but it was incredibly cheap, and I dealt with some of the nicest people around.” – Tori Colter.

“Over 20 years of driving, and I’ve never had a better insurance company. Not only is it the best value anywhere but the team there is more like family than an insurance agency.” – Scott Thomas.

In terms of potential improvements, the agency’s website could be easier to navigate. But, overall, the consensus seems to be that Western Mass Auto Insurance has friendly, knowledgeable personnel and affordable rates.

Western Mass Auto Insurance’s State Availability

The agency’s focus is on Western Massachusetts — with offices solely in the Commonwealth — so drivers from outside of the Bay State probably won’t interact with their friendly agents.

However, if you’re a Massachusetts resident looking to drive beyond state borders, you’ll be happy to know that your insurance will be valid throughout the U.S. With that said, those planning to travel should consider purchasing “Optional Bodily Injury to Others” coverage to avoid paying out of pocket.

Most insurance policies will also cover you in Canada. But if you plan to drive into Mexico or other foreign countries, you should look into international coverage options. Anytime you’re unsure, ask your insurance agent for more details.

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Compare Auto Insurance Rates Today

Ultimately, if you live in western Massachusetts, you can rely on Western Mass Auto Insurance to provide the necessary coverage with a smile. From vehicle recall checks to accidents, the agency’s team works tirelessly to find you an unbeatable deal. While their operation may be fairly small, their commitment to affordable auto insurance for all drivers is larger than life.