What determines my auto premium?

• There are many factors that determine your auto premium. Such factors include the garaging location, the auto make and model, the age of the auto, the deductible selected, the coverage limits selected, the listed drivers and their driving records, surcharges for moving violations and multi-car discounts.

How much auto insurance coverage should I select?

• Massachusetts auto insurance laws require every driver to carry certain amounts of coverage. At Thomas J. Foley Insurance Agency, we strongly encourage our clients to select coverage higher than the state minimum. In doing so, there is an increased likelihood you can protect yourself, your family and/or others in the unfortunate event of an accident. Please visit our auto insurance page to perform a personal auto coverage review.

Why did my Safe Drive Insurance Plan or “SDIP” rating increase?

• Your SDIP rating will increase if you have caused an auto accident or have incurred a traffic law violation. If you have any questions regarding a change in your SDIP rating, please call and we will be happy to assist you.

My windshield has been damaged. Is this covered under my auto policy?

• Comprehensive coverage, an optional coverage, may pay for damage to your auto for most causes other than collision. Review your current auto policy to verify comprehensive coverage on your auto. Typically glass loss does not require a deductible.

Does my auto policy cover towing?

• Towing and labor, an optional coverage, may pay for the cost of towing a disabled covered auto and/or work performed at the scene of a breakdown or disablement up to a selected limit. The cost of replacement parts needed is not covered. Review your current auto policy to verify towing and labor coverage on your auto.

I have expensive valuables in my home. Are these covered under my homeowners policy?

• Expensive valuables such as antiques, bicycles, cameras, computers, fine arts, golf clubs, jewelry or musical instruments which possess a higher value than what is covered by your homeowners policy should be listed separately. Please contact us today so we can assist you in covering these items.

Can I pay my premium via Electronic Funds Transfer ("EFT")?

• Yes, you can pay your premium using EFT for auto and home insurance. To enroll, please contact us.

I have a billing question. Who do I call?

• Please contact the Thomas J. Foley Insurance Agency at any time regarding billing questions. We are able to answer most questions at the Agency, otherwise, we will direct you to your insurance company’s toll free billing number.

Will Thomas J. Foley Insurance Agency remind me when to pay my bill?

• Please know we will never call you about a late payment or cancellation. The only notices you will receive are those issued directly by the insurance company. Timely premium payment is solely your responsibility in order to maintain continuous coverage. If you are cancelled, you may be required to pay a full year of premium to obtain another policy.

I want to switch my insurance to Foley Insurance Agency. How do I get started?

• Please fax your name, phone number and latest insurance policy information to 781.762.2747 or mail a copy to Foley Insurance, P.O. Box 576, Norwood MA 02062. We will call you to discuss ways to improve coverage and save on premium.

I have another question. How do I contact the Thomas J. Foley Insurance Agency?

• Call the Thomas J. Foley Insurance Agency at 781.762.2715 and we will be happy to answer each of your insurance questions.