Auto Insurance

Car insurance you can rely on

Your car is your lifeline to the world. Whether you’re commuting, dropping your children off at school, or anything in between, there’s a good chance you’re driving to get there. At WebFirst Insurance, we’ll make sure that you have the right coverage, so that if your busy life is interrupted with an accident, you can feel secure knowing you’re protected.

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What does car insurance cover?

Bodily injury liability

Covers costs associated with injuries or death that you or another driver causes while driving your car.

Property damage liability

Reimburses others for damages that you or another driver operating your car causes to another vehicle or property, such as a fence or building.

Collision coverage

Covers your vehicle if it overturns or collides with another vehicle or object, including trees, guardrails, or fences.

Comprehensive coverage

Protects against damage to your car from events beyond your control, including theft, glass damage, vandalism, falling trees, and more.

Medical payments or personal injury protection

Provides reimbursement for medical expenses for injuries to you or your passengers.

Uninsured motorist coverage

Reimburses you when an accident is caused by an uninsured driver, or in the case of a hit-and-run. You can also purchase underinsured motorist coverage, which covers costs when another driver lacks adequate coverage.

Auto insurance add-ons

An auto insurance add-on is extra coverage added to your policy for a specific need. Add-ons vary by insurance carrier, but one of the most common auto insurance add-ons is accident forgiveness. Accident forgiveness prevents any previous accidents from impacting your monthly payments for your car insurance policy.

Who is covered by your car insurance policy?

You, as well as any family members on your car insurance policy, are covered. Whether you’re driving your own car or someone else’s, everyone on your policy is covered. Your policy also provides coverage if someone else is driving your car.

For a personal auto policy, any instance of personal driving is covered by your insurance, such as commuting to work, dropping off your children at school, or driving to the grocery store. Any commercial driving is not covered, such as delivering food for a business. Driving for a ridesharing app, such as Uber or Lyft, is also not covered under your personal auto policy.

What happens when you get a quote?

Customer requests a quote

The customer provides the basic required information for a quote to one of our insurance agents. If you’re going through our quote engine, you can input your car's information in there. If you are requesting a quote through our online form, you can provide your contact information, but we recommend that you have your date of birth, license number, license plate number, and VIN number ready for our agents.

Verifying coverages

The insurance agent will verify your needs for your insurance policy. Our agents work to make sure that you have the required coverage you need to drive with the right insurance in the state of Massachusetts, as well as any added coverage you may need.

The agent writes up a quote

Based on the information that you provide to our agents, they will write up a quote for you, and contact you with several differently priced options, to see what fits your budget. We work with many carriers, so finding you the right coverage at the most affordable price is the name of our game.

Signing the contract

If the customer likes the terms and the price, the insurance agent sends over an application. The customer fills out the application and sends in a down payment on the car insurance policy.

Available auto insurance discounts

Good driver

Multi car insurance

Webster First Federal Credit Union member




Pay in full

Good student

Get a quote

By representing different car insurance carriers, WebFirst Insurance works directly for you to find the right coverage at the right price. Our exclusive Rating system can deliver a rate comparison in a matter of minutes, and our experienced agents will work with you to explain all your options.

To get a quote, click the “Get A Quote” button below or call us at (800) 957-1455. Our agents are available Monday – Friday from 8:00 am – 4:30 pm.

Frequently Asked Questions

What is Auto Insurance?

Auto Insurance is a contract between you and your insurance company that protects you against financial loss in the event of an accident. In exchange for paying a premium, the insurance company agrees to pay your losses. For more information on what car insurance is, check out our article.

Does auto insurance cover rental cars?

It depends. Some car insurance companies offer this as an add-on to your policy, which means you can purchase coverage for that at an extra cost. All our car insurance carriers offer covering rental car costs as an add-on to your policy.  The rental car add-on is only available for use when you get into a car accident. If you are bringing your car to a repair shop for a few days for a issue not relating to a car accident, rental car costs are out-of-pocket.

What affects my car insurance premium rates?

There are lots of factors that can affect your car insurance premium rates. Some of the factors are things you can control, there are things that you can’t. For a comprehensive list of factors that affect your car insurance premium rates, check out this article.

What is a deductible?

A deductible is a set amount of money that you pay when you file a claim, which goes towards costs related to your car accident.  Any other costs outside of your deductible are covered by your car insurance company if the costs fall within your coverage limits. The higher your deductible is, the less your premium will cost, and vice versa.

What is full coverage car insurance?

Full coverage car insurance refers to having liability coverage, with the option to purchase comprehensive and collision coverage, as well as anything else that your state mandates you to have for insurance coverage. For more on full coverage car insurance, check out our article.

What is collision coverage?

Collision coverage can assist with costs to repair damage from a two-car accident, if your car hits an inanimate object, or pothole damage. We encourage you to contact an agent if you would like to learn more about collision coverage.

How do I submit a car insurance claim?

Submitting a car insurance claim can be a complicated process, but we’re here to help. For a detailed list on how to file a car insurance claim, check out our article.

Can car insurance companies drop you?

Yes, car insurance companies can drop you. Instances where a car insurance company can drop you are:

  • Too many claims
  • One big claim
  • If there are many violations on your driving record
Are older cars cheaper to insure?

Sometimes, older cars are cheaper to insure than newer cars. It depends on the make and model of the car, as well as how many miles are on the car. To identify how much you would have to pay for your older car, please contact one of our agents.