Posts Tagged ‘ma auto insurance’

MA Auto Insurance Co. Discounts

Friday, June 20th, 2008

As a public service, Massautoquote.com, offers the following list of Massachusetts Insurance Companies and their April 1, 2008 discount programs.

We recommend that you get a quote from us. Our licensed, independent, professional Massachusetts Insurance Agents use numerous companies and will find you the best discounts and insurance programs. 

American Automobile Insurance Company  Annual Mileage, Anti-Theft, Multi-Car, Public Transit  

Amica  Annual Mileage, Anti-Theft, Good Student, Multi-Car, Other Policy, Public Transit, Years Licensed, Years with Company

Arbella  Advanced Driver Training, Annual Mileage, Anti-Theft, Group Membership, Multi-Car, Other Policy, Public Transit, Years with Company

Citizens Insurance Company of America  Advanced Driver Training, Annual Mileage, Anti-Theft, Group Membership, Multi-Car, Other Policy, Public Transit

Commerce Insurance  Annual Mileage, Anti-Theft, Group Membership, Multi-Car, Other Policy, Public Transit, Years Licensed, Years with Company  

Electric Insurance   Annual Mileage, Anti-Theft, Group Membership, Multi-Car, Other Policy, Public Transit, Years Licensed

Encompass Insurance  Annual Mileage, Anti-Theft, Group Membership, Multi-Car, Public Transit, Years Licensed

Farm Family Insurance Company  Annual Mileage, Anti-Theft, Daytime Running Lights, Group Membership, Multi-Car, Public Transit, Years Licensed

Liberty Mutual Insurance Company  Annual Mileage, Anti-Theft, Good Student, Group Membership, Multi-Car, Other Policy, Public Transit, Years Licensed, Years with Company

Massachusetts Homeland Insurance Company  Annual Mileage, Anti-Theft, Group Membership, Multi-Car, Other Policy, Public Transit, Years Licensed, Years with Company

Metropolitan Insurance Company  Annual Mileage, Anti-Theft, Good Student, Group Membership, Multi-Car, Public Transit, Years Licensed

National Grange Insurance Company  Annual Mileage, Anti-Theft, Good Student, Multi-Car, Other Policy, Public Transit, Student Away, Years Licensed

Norfolk & Dedham Mutual Fire Insurance Company  Advanced Driver Training, Annual Mileage, Anti-Theft, Good Student, Group Membership, Multi-Car, Other Policy, Public Transit, Years Licensed

Plymouth Rock Assurance Corporation   Advanced Driver Training, Annual Mileage, Anti-Theft, Good Student, Group Membership, Multi-Car, Public Transit, Student Away, Years Licensed, Years with Company

Praetorian Insurance Company  Annual Mileage, Anti-Theft, Multi-Car, Public Transit

Quincy Mutual Insurance Company  Advanced Driver Training, Annual Mileage, Anti-Theft, Group Membership, Multi-Car, Other Policy, Public Transit, Years Licensed, Years with Company

Safety Insurance Company  Advanced Driver Training, Annual Mileage, Anti-Theft, Good Student, Group Membership, Multi-Car, Other Policy, Public Transit, Student Away, Years Licensed, Years with Company

State Farm Insurance Company  Annual Mileage, Anti-Theft, Multi-Car, Public Transit

The Travelers of Massachusetts (Premier)  Annual Mileage, Anti-Theft, Good Student, Group Membership, Multi-Car, Other Policy, Public Transit  

USAA Insurance Company  Annual Mileage, Anti-Theft, Good Student, Multi-Car, Public Transit, Student Away

ADDED VALUE/TRUSTED CHOICES

Thursday, June 19th, 2008

Part 1: Massachusetts Auto Insurance

My name is Kevin Johnson. I am a Massachusetts Insurance Agency owner. I am a licensed, professional Independent Insurance Agent.

The Nation is watching as the world of “Massachusetts Auto Insurance” moves into “managed competition.”

What is going to become of the Independent, Massachusetts Insurance Agent?

Part 2: The Incredible Shrinking Agency

With continued rate decreases and competition (slipping retention rates), many MA Insurance Agencies are working longer, working harder and still our books of business are shrinking. 

Over the past decade companies are having the local agent do more of the processing and more of the underwriting. We have had to keep pace with technological advancements with ongoing, significant expenses.

Companies try to commodatize and marginalize what we do and continue to reduce commissions.

Part 3: Is It Time To Close Up Shop? 

“No Business for Old Men.” Sounds like a movie. I can see my senior partner playing the lead role fumbling with usernames, passwords and rating software.

Direct writers and new carriers threaten our professional existences. How can we compete?

Many in the biz. wonder if it is time to close up shop.

Part 4: Conclusion

The Massachusetts Independent Insurance Agency community is vital part of a healthy insurance system.

I have a note on my desk that says: “Add Value.” It is a daily reminder of why I am here. We are advocates for our clients. We represent our clients at claim time and we make certain of fair and timely settlements. We are a voice on the other end of the phone, or in the office, that has the interest of our client in mind.

We are here for billing problems or insurance-related, life issues.

We market multiple lines of insurance, with multiple carriers and we shop for the best rates and insurance programs. We offer Trusted Choices.  

 Part 5: Epilogue

With the strength of Added Value & Trusted Choices the Massachusetts Independent Agent should be buoyed. Instead of us wondering how to compete, we should start feeling bad for the direct writers.

They don’t stand a chance.

MA Auto Insurance Group Discounts

Friday, April 25th, 2008

State-set auto insurance rates in Massachusetts are now a thing of the past.

My business partner asked me yesterday, “How do you think managed competition is going?”

Me? I think, over all, it’s going swimmingly. Our Agency is saving our clients money and we are busy writing new business.

The other night there was a segment on the television show, Chronicle (http://www.thebostonchannel.com/chronicle/index.html), about how to best shop for auto insurance. The consensus was: “talk to your agent.”

After all the politics, after all the corporate meetings and strategizing, after all the millions of dollars spent on advertising and after all the fancy (& some of them fluffy) discount programs, the consensus is: Talk to your Agent.

In our ongoing attempt to demystify the changes in the Massachusetts auto insurance system and to educate consumers about different discount and coverage programs, we offer a list of company “group” discounts.

Group discounts, like the popular AAA discount, have long been the elephant in the Massachusetts auto insurance room. Some of these groups are “open” group discounts that are open to anyone (like the AAA discount); others are “closed” group discounts that can only be received by going through a particular agency or directly through the company. As a disclaimer: some of these may not be complete group listings, certain groups may no longer be available, and the discount percentages may not be 100% accurate. 

Arbella Insurance    

Commerce Insurance    

Electric Insurance    

Encompass Insurance    

Farmers Insurance    

Hanover Insurance    

Liberty Mutual    

Mass. Homeland    

Metropolitan Insurance    

Norforlk & Dedham    

National Grange    

Plymouth Rock    

Travelers/Premier    

Quincy Mutual    

Safety Insurance

Massachusetts Auto Insurance Blog

Wednesday, March 19th, 2008

Why a Blog? I, never in my life, thought of myself as a blogger. Yet now, here I am, blogging. My name is Kevin Johnson and I am one of the owners of the family agency, Johnson & Rohan Insurance http://www.johnsonandrohan.com in Lynnfield, MA. 

We launched Massautoquote.com in 1999 to provide Massachusetts’ consumers a free, internet insurance quoting service.  

As of April 1, 2008 the auto insurance system in Mass. moves to a “managed competition” system. Now, for the first time since 1977, insurance companies can charge whatever they want for auto insurance rather than the state-set rate of years’ past.

So, why a Blog? The Massautoquote.com Blog is our attempt to demystify the changes in the auto insurance system and to educate Mass. consumers about different discount and coverage programs.