Auto Policy Enhancements
**NEW - Auto insurance policy enhancements are now available in Massachusetts.

Some companies include these enhancements at no additional charge, others are charging a small premium for the enhancements.

Below are our auto insurance companies and a list of the enhancements that they are offering.
Miscellaneous - Arbella
Included at no charge for most Arbella Customers
  • New Vehicle Replacement Cost Coverage
  • Enhanced Substitute Transportation Coverage
  • Enhanced Towing and Labor
  • Replacement Coverage on Mechanical Parts
  • Trip Interruption Coverage
Affiliate - Commerce
Commerce Enhancer Package Endorsement
(AAA members only there is no additional premium, $20 Flat fee for all others)
  • Increased Coverage on bail bonds
  • Enhanced Substitute Transportation
  • Coverage for damage to cell phones, laptops and personal property
  • Pet Injury Coverage
  • Seat Belt/Air Bag death benefit
  • Replacement Cost Coverage
Miscellaneous - Norfolk & Dedham
Premium: $25 per vehicle $50 per policy maximum
No charge if you have a N&D Companion policy
  • Accidental Discharge of Airbag Coverage
  • Auto Loan/Lease Coverage
  • Excellent Driver Reward
  • New Car Protection
  • Pet Injury Coverage
Affiliate - Safety
Safety Shield - $25 per vehicle
  • Disappearing Collision and Limited Collision Deductible
  • Rental Vehicle Loss of Income Coverage
  • Lock in Value (Guaranteed Replacement Cost)
  • Personal Effects Coverage
  • Extended Substitute Transporation
  • Emergency Road Travel Expenses
  • Suppliemental Towing and Labor
  • Air Bag Coverage
  • Auto Loan/Lease Gap Coverage (Additional premium only $25)
Miscellaneous - Travellers of MA