Personal Vehicle

Auto, motorcycle & watercraft.

Your vehicles deserve coverage that fits how you use them. Lux shops across multiple A-rated carriers to find the right combination of price, service, and protection.

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Auto Insurance

Your car is valuable to you — probably one of your most expensive investments. To protect what you've put into your vehicle, you need auto insurance. Car insurance protects you from financial losses caused by accidents you can't control. If you have a wreck, your insurer agrees to pay for some or all of your vehicle's damage and other losses. For the simple cost of a policy premium, you have financial security if something goes wrong.

Drivers have choices about what's in their policies. Most contain a combination of:

Liability — covers damage you cause to others (bodily injury & property)
Collision — damage to your own vehicle after a wreck
Comprehensive — non-accident damage (weather, theft, vandalism)
Medical payments — your and your passengers' medical bills
Uninsured/underinsured motorist
Roadside assistance
Rental car reimbursement
New-car replacement
Gap coverage for leased or financed vehicles
Accident forgiveness

Motorcycle Insurance

You'll enjoy the open road even more when you're not worried about the safety of yourself, your passengers, or your investment. Many factors determine cost — your age, driving record, where you live, the type of motorcycle you own, and whether you've completed a rider-training course.

Things to consider:

Accident or theft repair/replacement costs (often substantial)
Medical costs for you or passengers
Liability for damage or injury to others — you can be sued for more than you're worth
Specialized protection for a prized possession
Discounts for safety-course graduates
Custom parts & accessories coverage
Trip interruption and roadside coverage
Off-season storage discounts

Watercraft & Boat Insurance

Home and auto insurance policies may provide limited coverage for personal watercraft. Talk to us about coverage limits — you may want a dedicated watercraft policy to protect yourself and your boat in the event of an accident.

Watercraft and boat insurance covers:

Accident or theft repair/replacement costs
Medical costs for you and any passengers
Liability for damage or injury to others
Protection while towing on land
Bodily injury and property damage
Theft and vandalism
Fuel-spill liability
Personal effects on board

Bundle for serious savings

Bundling your home, auto, and any toys onto a single carrier almost always lowers your total premium — and it simplifies claims and renewals. We compare bundles across multiple carriers, not just one, so you actually capture the savings.

Typical bundle discounts we see:

Home + auto: 10–25% combined savings
Multi-vehicle discounts
Multi-policy umbrella eligibility
Loyalty and renewal credits
Paid-in-full and EFT discounts
Good-driver and good-student credits

Personal vehicle FAQ

How much liability should I carry?+

Massachusetts minimums are low — we typically recommend 100/300/100 at minimum, with higher limits or an umbrella for households with assets to protect.

Should I drop collision on an older car?+

A common rule: if 10x your collision premium is more than the car's value, it may not be worth it. But if the car is your only transportation, the math changes.

Will my rate go up after one accident?+

It depends on the carrier, the accident, and whether you have accident forgiveness. We'll quote across carriers — some are far more forgiving than others.

Can I insure a classic or collector car?+

Yes. Agreed-value policies are designed for collector vehicles and are usually much cheaper than a standard policy on the same car.

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