What is the difference between an independent agent and a captive agent?
An independent agent is partnered with multiple insurance companies in order to help you find the coverage that fits your needs for the most affordable price.
A captive agent would be somebody who works directly with only one insurance company.
Does it cost extra money to use an independent agent?
Absolutely not. Our independent agents are here to help you. We are always going to look for the best coverage that fits your budget.
Do i really need to carry auto insurance?
Yes. Insurance is required in Massachusetts. Driving without insurance is illegal and if you are caught, will lead to tickets and/or fines.
In order to legally drive an automobile in Massachusetts, the state requires that you carry a minimum Liability limit on your insurance policy of $20,000 Per Person/$40,000 Per Occurrence and $5,000 in Property Damage coverage.
Who do I contact in case of an accident?
The best way to take care of claims or roadside assistance would be to contact the insurance company directly.
If you are unsure about who to contact, never hesitate to call Archetype (508 612-7388) or your agent directly. We would be happy to direct you to the appropriate department.
Is insurance required if I lease/finance my vehicle?
Typically when financing a car, the finance company is going to require that you carry full coverage to protect any damage that occurs to the vehicle.
What does full coverage actually mean?
Full Coverage refers to the two coverages that are going to either fix or replace your vehicle when there is any physical damage.
Comprehensive Coverage will take care of any damage to your vehicle caused by an act of god, vandalism, flood, hitting any sort of live animal, etc.
Collision Coverage will take care of any damage to your vehicle caused by an at-fault accident (when you are responsible for damage caused in an accident).
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