COMPETITIVE FORCES ; Insurers Broaden Their Targeted Discounts to Lure Drivers Under New Market Rules

Competitive auto insurance arrives in Massachusetts on April 1, bringing the promise of smaller bills for most drivers and a buffet of discounts for everyone from good students to hybrid owners.Insurers also are adding enhanced coverage packages, enabling drivers to insure pets from injury, get discounts on oil changes and receive 24-hour roadside assistance.John Donohue, CEO of Quincy-based Arbella Insurance Group, said competition has brought about a climate of free-market innovation compared with the previous system of rates set by the state insurance commissioner.....

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