If you’ve added custom wheels, upgraded audio equipment, performance parts, or other aftermarket accessories, you may want additional coverage. Many standard auto insurance policies only cover factory-installed equipment unless extra protection is added.

Towing may be covered if you have roadside assistance or towing and labor coverage included on your policy. It’s a good idea to review your coverage limits so you understand when and how towing services are covered.

Generally, auto insurance does not cover engine failure caused by wear and tear, mechanical breakdowns, or lack of maintenance. However, coverage may apply if the engine damage results from a covered event such as an accident, flooding, or a fallen tree.

Accident forgiveness is an optional feature offered by some insurance companies that may prevent your premium from increasing after your first qualifying accident. Eligibility requirements and availability vary by carrier.

In most situations, adding a teen driver to a parent or guardian’s policy is the more affordable option. Depending on vehicle ownership and household circumstances, some families may choose separate coverage, but it’s worth comparing both options.

Yes. Seasonal vehicles such as classic cars, motorcycles, and RVs may qualify for specialized coverage or reduced-use policies. Many Massachusetts drivers adjust coverage during the winter months when certain vehicles are stored and not regularly driven.

Most personal auto insurance policies do not fully cover rideshare activities. If you drive for Uber, Lyft, or similar services, you may need a rideshare endorsement or specialized coverage to help fill potential coverage gaps.

Non-owner auto insurance provides liability coverage for drivers who don’t own a vehicle but occasionally drive cars they borrow, rent, or use for business purposes. It can also help maintain continuous insurance coverage.

Non-owner coverage may be a good fit for people who frequently rent vehicles, borrow cars from friends or family, or need proof of insurance without owning a vehicle. It can also help prevent a lapse in coverage between vehicle purchases.

Snow, ice, freezing rain, and winter storms can create hazardous driving conditions throughout Massachusetts. Many drivers choose comprehensive and collision coverage to help protect against weather-related damage and winter road hazards.

As an independent agency, Sullivan Insurance & Financial works with multiple insurance carriers to help you find coverage that fits your needs and budget. Our team takes the time to explain your options, answer your questions, and help you make informed insurance decisions.