The 450 Chelmsford Street, Lowell, MA Registry of Motor Vehicles will close for the last time on Friday, June 4, 2010 at 5:00 pm.
The new Lowell, MA Registry of Motor Vehicles will open at 9:00 am on June 7, 2010, located at:
77 Middlesex Street, Lowell, MA 01852 (in the Edward J. Early Parking Garage Facility)
Road tests will continue to be conducted at the current location (450 Chelsmford Street) until June 30, 2010.
Prior to April, 2008 MA auto insurance consumers had very few insurance programs to choose from. MA “Managed Competition” auto insurance (deregulation) entered the state, along with additional companies, and — all of a sudden –, programs long enjoyed by the rest of the country, are now available here in Massachusetts.
For example: Vermont Mutual Insurance Company offers an ”advantage” endorsement. For $35 this endorsement includes (among other things): accident forgiveness, disappearing deductible, auto loan/ lease gap coverage, & enhanced substitute transportation coverage.
For qualifying new business what this means is, if you have 4 points on your license due to an at-fault accident, you can pay $35 for the advantage endorsement and Vermont Mutual will rate you with no surchage points: saving you big money.
If you are already insured with Vermont Mutual, you can add the endorsement & if you are in an at-fault accident, at renewal time, Vermont Mutual will not charge you for the surcharge points.
The endorsement, to this MA independent insurance agent, seems like a real bargain.
We can all thank MA Managed Competetion Auto Insurance.
The Homestead Act is designed to allow homeowners in Massachusetts to protect their primary residence against sebsequent attachment, levy or sale to satifsy debts up to $500,000. The Homestead Law does not protect against: taxes or mortgages used to purchase the residence. Homeowners must file for the Homestead Act with The Registry of Deeds office in the county in which the residence is located.
Massachusetts charges a one time Filing Fee of $35 for a Declaration of Homestead.
Click for: Declaration of Homestead Form (pdf)
Registry of Deeds Links:
Registry of Deeds Offices:
The Homestead Act |
 |
Massachusetts Deed Massachusetts Document |
Home insurance rates have been going up across the country. The best way to save money on your home insurance is to package it with your auto insurance.
The first step for home insurance is figuring out the appropriate amount of coverage. Your Coverage A, Dwelling, amount should represent the “Replacement Cost” of your home. This should be the amount that it would take to rebuild your home if you were to suffer a catastophic loss. The “Replacement Cost” or Dwelling Amount should not be confused with the home’s Market Value.
Once you have the “Dwelling Amount,” the next three parts (B, C, & D) are usually percentages of this coverage amount.
For example:
Coverage A, Dwelling, amount: $300,000
Coverage B, Other Structures (10% of Coverage A amount): $30,000
Coverage C, Personal Property (70% of Coverage A w/Replacment) $210,000
Coverage D, Loss of Use (20% of Coverage A amount): $60,000
Home insurance also provides you Liability Coverage (Parts E & F).
Part E, Personal Liability Coverage, protects you from on and off-premises liability claims against you & family members. We recommend limits of $500,000 per occurrence and we recommend you consider Personal Liability Umbrella Coverage that sits over these and your auto limits.
Part F, Medical Payments Coverage, is usually in the amount of $1,000 or $2,000. If provides Medical Payments coverage for anyone (except household members) injured on your property.
For savings, we recommend you compare deductibles from: $500, $1,000 & $2,500 deductibles.
¼/p>
Welcome to Massachusetts!
It’s a new day & age in Massachusetts auto insurance. After 30 years of state set insurance rates we finally have competition. Well, “Managed Competition,” at least. Rates have gone down and new companies have entered the marketplace.
A few “fun facts” about Massachusetts:
A couple ”not so” fun facts:
Massachusetts Auto Insurance
Auto insurance and Registration (& Title) go “hand in hand” in Massachusetts. You cannot have one without the other. Massachusetts does not have insurance cards as proof of insurance. Instead you have your vehicle’s Registration. Your Registration is your proof of insurance.
Massachusetts is a “Title state”, meaning that, in order to get your vehicle registered you must also get the vehicle titled in Massachusetts.
In order to get your new, Massachusetts Plates you will need to get paperwork from your insurance agent or company.
Johnson & Rohan Insurance , as well as other agencies, will have you sign an auto insurance application, and provide you with an insurance stamped, RMV-1 Form.
Most Agencies offer free Registry of Motor Vehicles service.
If you are new to the state with out of state registration, the Registry will look for your original title and a total of $86 ($50 for your new MA title & $36 for your new, MA plates/registration).
If a bank/lienholder has the title to your vehicle then, perhaps, a memorandum title can be issued. If so, the Registry will require a copy of your existing Registration and, if owned less than 6 months, proof of sales tax paid.
We recommend that you get a Massachusetts auto insurance quote through our website. Once you like the premium and coverage options that we show you, we will assist you with all aspects of Massachusetts insurance!�
 Home | Get A Quote | Contact Us | Agent Inquiry | Privacy | BlogMassautoquote.com P.O. Box 52 | Lynnfield, MA 01940 Tel. 781-246-8699 |