F.A.Q. Insurance Discounts

Homeowner / Auto Combination: Individuals who insure both their automobile and home can receive extra savings! You may save up to 20% on your homeowners (home, apartment, or condominium) premium and up to 15% on your automobile premium when you insure both lines of insurance through the same company. To take advantage of these MA insurance discounts, speak with your O’Connor & Co. Insurance agent.

Anti-Theft Discount: Cars with qualifying anti-theft devices, such as car alarms, are eligible for an anti-theft discount.

Driver Training Discount: Inexperienced drivers who complete a certified training course may be able to get a discount.

Student Away at School: Inexperienced operators who are students that resides more than 100 miles from the place of principal garaging and who don’t have regular access to the vehicle could get an auto insurance discount.

Good Student Discount: Inexperienced operators who are college or high school students with a B (3.0 GPA) or higher average with less than 3 Merit Rating points. *Cannot be applied in conjunction with the Student Away at School discount.

Age 65 or Older: Experienced operators who are age 65 or older could be entitled for extra auto insurance discounts.

Safe Driver Discount: A good track record on the road should count for something. The Safe Driver Insurance Plan (SDIP) adjusts premiums to fairly reflect the driving records of customers. The Plan encourages safe driving by rewarding drivers who do not cause accidents or incur traffic law violations with a credit to their automobile insurance premiums, and discourages unsafe driving by requiring high-risk drivers to pay a greater share of insurance costs. Massachusetts law provides the right to a hearing to appeal an at-fault accident surcharge before an impartial hearing officer of the Board of Appeals.

Low Mileage Discount under 15,000 miles: A discount of 2% up to 15% could be applied to your Private Passenger Automobiles that are driven 15,000 miles or less annually and have been owned for 6 months or more. Antique automobiles are not eligible for this discount.

Continuous Insurance Discount: Customers who have no gaps in their coverage are eligible for this discount of up to 15%

Hybrid/Electric Vehicle Discount: You can now get a discount of up to 10% on your auto insurance if you own or lease a hybrid or electric car. That means a car that’s environmentally friendly is not only good for the earth – it’s also good for your wallet.

Multiple-Car Discount: You may be eligible for a discount of up to 10% if you insure more than one car.

Payment Discounts: You may be eligible for a discount of up to 10%  depending on how you choose to pay your premium. You can get a discount by paying your auto policy premium in full, by paying through electronic funds transfer (EFT) or payroll deduction, and by paying your premium on time.

Multi-Policy Discounts: You could get up to 10% Account Credit when you purchase a Business owners, Commercial Auto, Commercial Package, Commercial Umbrella, Dwelling Fire, Homeowners or Personal Umbrella policy from one of our providers. You may get up to 6% account credit when you purchase a Condominium or Renter(s) policy from certain providers.

E-Customer Discount: Up to 7% when you qualify for an Account Credit and select combined account billing with electronic policy issuance.

Loyalty Discounts: You could get up to 4% for continuous years insured with some of our providers.


Shop Smart Discount: The Shop Smart Massachusetts insurance discount provides you with the opportunity to save up to 8% when you purchase a new policy with us at least 7 days prior to the expiration date of your existing policy or if you have maintained residency at the same location for at least 7 years. Some exceptions may apply.

Motorcycle Insurance Discounts: A 10% discount on certain coverage’s is available if the principal operator has completed an approved motorcycle rider-training program.

Experienced operator: Additionally, experienced operators age 65 or older may be eligible for up to 25% discount off all coverage parts.

Take a Motorcycle Safety Course: Successfully complete a Motorcycle Safety Foundation or other approved motorcycle safety course and we’ll give you a discount that lasts for three years.

Join a Riding Club or Group: Be an active member in one of 24 approved motorcycle riding clubs and association groups and get a discount.

Ride More: Pay lower rates for your years of riding experience. The longer you’ve been riding, the lower your motorcycle insurance bill. Discounts are available for one to two years, three years, four years and more than four years of riding experience. Keep riding.

Garage Your Bike: Keep your motorcycle locked in a secured structure overnight. If you care about your ride enough to give it a safe place to stay, we’ll give you a discount.

Alarm System discounts

Protective Devices Discount: Save on your home insurance by outfitting your home with protective devices such as smoke alarms, deadbolts, fire extinguishers, fire alarms, burglar alarms or sprinklers.

Safe home discount Save up to 15% when your home has additional protection against fire and theft, like a home security system.

Loss-Free Discount. Offered to eligible customers who have not experienced a loss within a specified time period.

Not all discounts are listed here but, we will always try and find the right combination for you. If you are a AAA member, we can offer additional savings.