Tips to save you money

The most important thing, in this independent insurance agency owner’s view, is to have your independent insurance agent review your coverage and premium WITH YOU.

I capitalize the “with you” because it is important to be an engaged consumer.

As an engaged consumer, you want:

  • the best price 
  • all the discounts
  • you want to know your coverage
  • you want to know the companies and the people you are doing business with

Insurance is serious stuff. Insurance is asset protection.

Auto insurance protects the value of your car & provides you liability protection.

Liability protection is protection from lawsuits or injury up to your policy’s coverage limits.

Do you know your policy’s limits?

As your independent Massachusetts insurance agent, every year we shop for the best premiums & personalized discount programs with A rated companies. We then offer our clients different coverage and premium options. Often, upon renewal, we transfer our clients to another company in order to save money.

Not many are talking about it but, after two years of discounted managed competition, auto insurance rates across Massachusetts are going up.

Now, more than ever, you will find the advocacy role & shopping power of your insurance agent the best way to ensure you are getting the best rates and coverage.

If you would like a quote, please call, click, fax or stop by with your auto insurance Coverage Page.

“Let’s not get the insurance companies involved.”

At small fender bender times, it’s a common request: “Let’s not get the insurance companies involved.”

But is it a good idea?

Our general rule of thumb is: No. Report the claim to the insurance companies and let them handle it. That’s why you have the insurance.

Many times, the person suggesting he pay out of pocket, in an attempt to avoid a MA state insurance surcharge, doesn’t realize the amount of actual damage. Often times people will go the body shop, get the estimate, and rather than there being $300 the damage is $1,000. The person that did the hitting, aghast, will then ask to go through insurance.

Another thing to keep in mind with Massachusetts insurance surcharges: if the insurance company (-ies) pay out less than $500, then there is no surcharge.

If you have any questions, either before or after an accident happens … call your Independent MA insurance agent. We’re here to help.