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The other day we received a quote request from the husband of a woman who is presently insured with our independent Massachusetts insurance agency and one of our A rated carriers (Vermont Mutual Insurance Company).
He was with GEICO and was comparing his coverage with hers and remarked, “her coverage is inferior to my coverage.”
We went line item by line item and found he was talking about was his $250 Collision & $250 Comprehensive coverage deductibles.
He carried only $50,000 Part 4, Property Damage Coverage vs. our client’s $100,000 Property Damage Coverage.
For approximately $3 annually he increased his Part 4, Property Damage Coverage, from $50,000 to $100,000.
In addition, he did not notice that his wife carries Vermont Mutual’s “Advantage” endorsement which gives her a “disappearing collision deductible,” which lowers her $500 deductible to $200!
Also the Advantage endorsement gives her accident forgiveness & $50 per day substitute transportation.
We ran rates for him, packaged their autos together (giving them both multi-car discounts) with their apartment coverage, and was able to save them over $100 while improving his coverage!
Your Massachusetts driving record is based on such factors as: years licensed, age, accidents and moving violations.
Your MA driving record, along with: other operators, town, vehicle, and coverage specifications are the factors that determine your MA auto insurance rate.
Motor vehicle violations and at-fault accidents are called surchargeable events.
If you have been licensed for, at least, 6 years and have no surchargeable events then you are a state-best: “99? driver.
When you first get your license you are a neutral “0? point driver. After 5 years clean driving experience you receive a credit and become a “98? driver.
For a minor (less than $2,000 paid out combined damage) at-fault accident, drivers are surcharged 3 points.
For a major (more than $2,000 paid out combined damage) at-fault accident, drivers are surcharged 4 points.
For the first motor vehicle violation (includes inspection sticker violations), the state will not surcharge you — HOWEVER — if you are a “99? or “98? driver, you lose your credits and become a “0? driver. For each additional motor vehicle violations drivers are surcharged 2 points.
Each surcharge point increases your MA auto insurance by an estimated 8.5%.
The best way to save money on insurance? Drive Safely & keep your driving record perfect!
If you would like additional information or have any questions about your Massachusetts driving record contact the Merit Rating Board.
Most agree, MA “Managed Competition” auto insurance has been a good thing.
National insurance companies have come into the state, and MA insurance consumers now have more choices.
There is, however, a flip-side to all the discounts and improved insurance programs:
If you have a poor driving record (at-fault accidents, moving violations, suspensions or revocations) or a cancelled policy, you may have difficulty obtaining MA auto insurance.
The MAIP (Massachusetts Auto Insurance Plan) marketplace is an option available to MA consumers.
The MAIP program requires 25% down-payment on new business.
If cancelled over the past 12 months for non-payment, MAIP requires (like many companies) 100% premium payment in full.
Our independent MA Agency (Johnson & Rohan Insurance) recently lost a longtime, good client (although not a very organized bill payor) due to cancellation frequency.
Late on one too many Statutory Notices of Cancellation, he is now required to pay 100% annual premium in full.
In addition, he had an accident over the past 12 months and the annual premium has gone up.
Unfortunately, it’s an all too common Massachusetts Consumer Auto Insurance Dilemma.
In Massachusetts the best drivers get the best rates. If you have been licensed over 6 yers and have had no moving violations (speeding tickets etc) & no at-fault accidents then you are a state-best “99” driver.
One of the most frustrating consumer tickets is for the expired, annual inspection sticker. The state’s driving record surcharge penalty for a lapsed inspection sticker is the same as the surcharge penalty for a speeding ticket.
So, take a look at your inspection sticker.
Please call, or click, us for your free, friendly, no obligation, competitive Massachusetts auto insurance quote.