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.
AG COAKLEY PROPOSES NEW CONSUMBER PROTECTIONS FOR AUTO INSURANCE MARKETPLACE:
New Changes Will Ensure Greater Transparency, Enhance Policy Holders’ Ability To Shop Effectively, And Prevent Deceoptive Practices By Insurance Companies Against Consumers
Insurance companies are all vying for MA auto insurance market shares.
Some national insurers have eliminated the independent insurance agent. Some have embraced the agent. Some have tried to do both.
Why is a MA Independent Agent important?
Your Agent is important because they write many lines of insurance with many different companies. They represent more than just one company.
Do you pay extra for a MA Independent Auto Insurance Agent?
No. Your independent agent will shop for the best rates, with the best companies. Your independent agent shops for discounts that are available to you. Your agent will review all your insurance products and package them together to find you the best rates.
This web log was created specifically for our MA auto insurance quoting website. In addition to MA auto insurance, our independent insurance agency writes MA home insurance, life insurance, property insurance, business insurance, workers compensation insurance, health and disability insurance.
In order to get the best rates it is important to package your home & auto insurance with the same company. We will help review, compare and shop your coverage with numerous, A rated companies.
Request a quote online or call us at: 781-246-8699
For MA homeowners, renters and business owners in the Counties of Essex, Middlesex, Norfolk, Suffolk, Bristol, Plymouth and Worcester who were affected by flooding beginning March 12, 2010
Apply by phone:
800-621-3362
(TTY 800-462-7585 FOR THE HEARING – OR SPEECH IMPAIRED)
Apply online:
http://www.disasterassistance.gov
Please have the following information available when you call:
Disaster recovery assistance is available without regard to race, color, sex, religion, national origin, age, diability or economic status.
It is this MA insurance agency owner’s belief that MA auto insurance “managed competition” has been a good thing for most MA auto insurance consumers.
However, there is a dark & dank underbelly.
There was a reason Massachusetts moved to government regulated insurance rates under Mike Dukakis. Urban rates were dramatically higher than suburban rates.
Companies are now free to charge whatever they want for rates for, just about, any reason.
Our insurance agency does a ton of auto insurance rating, and we are starting to see large urban area rate increases and big differences between what different companies are charging for rates in different territories.
Another part of the dank underbelly of MA auto insurance “managed competition” is companies now require, for cancelled policies, 100% of annual premium to be “paid in full” before rewriting.
This requirement is often unrealistic for those that have had payment problems.
Still, for most MA auto insurance consumers “managed competition” has brought with it: more choices, lower rates & improved insurance programs.
Someone recently asked for an example of our MA Auto Insurance: Wild West analogy &, this morning I ran into a perfect MA auto insurance rating example.
Longtime client has an old (99) Honda Accord with, almost, 200,000 miles on it. She lives in Dorchester & carries mimimum-type liability limits ($20,000 per person/$40,000 per accident parts 3, 5 & 12; $100,000 Part 4; No Collision & No Comprehensive Coverage). Not to name names (Travelers) was charging her $1,019 for her June 2, 2010 auto insurance renewal.
We re-rated her with six MA auto insurance companies and one (Vermont Mutual), offers identical coverage at an annual premium of: $576.
$576 vs $1,019!
This is a, not so subtle, reminder to auto insurance consumers & agents in the Commonwealth of Massachusetts: Shop Your Coverage!
We’ve said it once, twice, maybe three times:
Package your MA auto insurance with the same company that carries your home, condominium or apartment insurance.
Have us shop your home insurance with auto insurance in mind.
Don’t have apartment insurance?
You should. It’s inexpensive & provides “personal property” coverage (coverage for your stuff) &, maybe more important, “personal liability” coverage. Personal Liability coverage provides lawsuit protection on & off apartment premise. (Motor vehicle liability excluded.)
Growing up in the 70’s I was addicted to Bonanza, The Big Valley & The Lone Ranger. I fancied myself a cowboy. A Massachusetts cowboy.
Completing my front nine, 43 years later, Idid not become a cowboy.
Instead, I became something better: a Massachusetts independent insurance agency owner!
Two years ago ”managed competion” auto insurance entered the state of Massachusetts. It’s been just like the Wild West of my childhood imagination.
First, companies gave out appointments to agencies. Next, they lowered rates & offered additional discounts & broader insurance programs. More companies entered the state including: Allstate, Progressive & Geico.
Companies lowered their rates & offered additional discount & insurance programs.
As an independent agent, writing with many different companies, competition allows us to flex our rating muscles — or quick draw our six shooter.
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.
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