Main Street America Introduces New Private Passenger Auto Program in Va.

The Main Street America Group announced the introduction of Main Street Protection Auto, its new private passenger auto insurance program for Virginia via its statewide network of independent insurance agents.

Product highlights include 20 different types of discounts and a lineup of bundled and standalone coverages that include features such as new vehicle replacement, full glass coverage and replacement of parts using original manufactured equipment.

“Main Street Protection Auto is a total overhaul of our current private passenger auto program,” said Debbie Murphy, Main Street America’s vice president/head of personal lines. “Our new auto product features impactful changes on all fronts including an improved pricing position in our target market, enhanced coverages and improved ease of use of our Main Street Station personal lines processing platform for our Virginia independent agents to write business with us.”

Murphy added that Main Street Protection Auto’s bundled coverage options are available for qualifying vehicles and features accident forgiveness, diminishing collision deductibles, loan/lease and extra medical coverages. These options can be mixed and matched based on an insured’s coverage needs.

Main Street America said the insureds will be eligible for up to 20 discounts, such as a new business discount, accident and violation free discount, loyalty, new vehicle discount and discounts for paying in full or signing up for electronic funds transfer. Other discounts include savings for insureds that package their homeowners’ policies with a Main Street America carrier or have multiple vehicles on the policy.

Regarding quoting and business submission, several processing platform enhancements enable agents to quickly bridge from their comparative rater directly to the premium summary page where additional coverages or quote changes can be made, Main Street America said, adding that there are fewer screens to simplify data entry and faster response times.

“Through Main Street Protection Auto, our goal is to meet the personal auto insurance needs of individuals and families who exhibit care and responsibility with regard to their driving habits, vehicles and loss history,” said Logan Presnell, Main Street America’s Southeast Region sales director. “From a customer perspective, we wanted to develop a product that would be embraced by our independent agents by ensuring our coverage features were aligned with what our competitors are offering in the marketplace. Collectively, our discounts and pricing improvements are enhancing our level of competitiveness for the types of customers we are targeting to write in the preferred and standard markets.”

Main Street America plans to implement Main Street Protection Auto in South Carolina in the fourth quarter of 2015. Additional states are planned throughout 2016.