Massachusetts Auto Insurance

Massachusetts Auto Insurance
So, you’ve typed the 3 dreaded words into your Google search bar: Massachusetts Auto Insurance.

“Massachusetts Auto Insurance” are sought after key words. Page 1 is filled with big budget, insurance industry heavy hitters such as: Progressive, GEICO, Allstate, and Liberty Mutual.

From there you get an anarchy of strange, information gathering quote websites. Further still, you get a garbled, hot mess of website articles and information overload.

MA Auto Insurance

It’s a new day & age in Massachusetts.  After 30 years of state set insurance rates we finally have … competition!

More than ever, it’s important to take advantage of MassAutoQuote’s service. We shop coverage and discount programs with numerous companies to find you the best rates.

By design,  insurance companies have complicated, multi-tiered rating systems. In order to get the best rates, you have to know which buttons to press!

The Dreaded: Massachusetts Registry of Motor Vehicles

Auto insurance and Registration (& Title) go “hand in hand” in Massachusetts. You cannot have one without the other. The Commonwealth of Massachusetts does not have insurance cards as proof of insurance. Instead you have your vehicle’s Registration. Your Registration is your proof of insurance.

MA 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.

We make buying Massachusetts Auto Insurance Simple

MassAutoQuote will have you sign an auto insurance application, and provide you with an insurance stamped, RMV-1 Form.

Our Registry of Motor Vehicles service is complimentary (free) for our clients.

If you are new to the state with out of state registration, the Registry will look for your original title and a total of $135.00 ($75.00 for your new MA title & $60.00 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.

Compare Auto Insurance Rates in Massachusetts

compare auto insurance rates in Massachusetts
There are many ways to Compare Auto Insurance Rates in Massachusetts.

The first way is to sit down at the computer and type: Compare Auto Insurance Rates in Massachusetts into your browser.

Good luck with that.

You’ll either wind up with a behemoth, big-budget direct writer like: Geico, Progressive, Liberty Mutual or Allstate

OR

You’ll end up on an information gathering website which uses your information for more than the promise of insurance rates.

The best way to Compare Auto Insurance Rates in Massachusetts is to use an independent agent.

There are a host of reasons to use an independent insurance agent. One of the reasons is because of insurance markets. The average independent insurance Agency uses a minimum of five insurance companies to quote your auto insurance.

This gives the independent insurance agent a market advantage.

MassAutoQuote uses the power of the Independent Insurance Agency

By calling, stopping by, or submitting one of our quote request forms, you are utilizing the independent shopping power of the independent agent.

We will find the most competitive coverage and discount programs to offer you the best rates.

Shopping for Massachusetts Auto Insurance

shopping for Massachusetts Auto Insurance
Massachusetts Auto Insurance Guide
Understand all your options before purchasing auto insurance. According to Mass.gov you should follow these basic guidelines as you begin shopping for Massachusetts auto insurance.
Do some research

Talk to friends, neighbors, and co-workers about their experiences with various insurance companies. In addition, you can find out how many complaints organizations such as the Better Business Bureau and National Association of Insurance Commissioners have received about each insurer.

Obtain a number of quotes

Find out what prices and discounts your current insurance company is offering, but get actual quotes from as many other insurance companies as you can. While this may be time-consuming, it is often the only way to find out what prices, coverages, and benefits are actually available to you. You can obtain quotes directly from insurance companies that do not use agents by calling or visiting their websites. Other insurance companies only provide quotes through their agents.

In order to find an agent that represents the insurance company that you want a quote from, call the insurance company or visit its website. You can also search for agents by insurance company using the “Detailed Agent Search” feature of the Division of Insurance’s Agent Finder website.

You should be aware that although some agents can get quotes from many insurance companies, others can only get quotes from one or two insurance companies. For this reason, it is often a good idea to shop with more than one insurance agent.

Get quotes in writing

Make sure that any quote you receive includes a “coverage selections page” that shows the coverages, limits, and deductibles that you want. Read the coverage selections page carefully to ensure that everything is as you requested and that all information is correct. Immediately point out any mistakes to the insurance agent and/or insurance company and ask for written confirmation of any changes.

Compare quotes

When comparing quotes, keep in mind that coverages, limits, deductibles, and discounts can have big effects on prices. A small difference in even one of these areas can make a bad quote look like a good one. Be aware that different insurers may not offer exactly the same overall benefits. This can make it somewhat difficult to compare quotes.

Ask about discounts and benefits

If you do not ask about discounts and benefits, you might not get them. Make sure that you understand how the discounts you are eligible to receive from each insurer will affect your premium, and whether those discounts are reflected in your quote.

Massachusetts Auto Insurance Plan (MAIP)

As of April 1, 2009, insurance companies are no longer required to voluntarily offer insurance to Massachusetts drivers. Keep in mind, however, that even if one insurance company does not want to insure you, another company still might offer you coverage, so make sure to explore your options.

After one insurance company has refused to insure you, you become eligible to apply for coverage through the Massachusetts Auto Insurance Plan, also known as the MAIP. In order to get coverage from the MAIP, you will have to go through an insurance agent. That insurance agent will have you fill out an application for the MAIP. The MAIP then will randomly assign you to an insurance company. The price you receive from the MAIP may or may not be higher than a price you could have received if you had continued to shop around.

Bundle my Insurance

bundle my insurance

As an auto insurance agent, I’m often asked: “How do I bundle my insurance?”

Well, Frances, it’s easier than you imagined.

Before you ask who Frances is, let me explain:

A bundle is simply putting your auto and home insurance with the same company. You might also want to add an umbrella policy to your bundle.

With bundling comes discounts. Some companies offer as high as 25% discount per policy if you have a home, apartment or condominium policy bundled with an auto insurance policy.

The trick is, different companies offer different discounts for bundling your account.

That’s one of the reasons it’s important to shop your auto insurance through MassAutoQuote.com.

We shop your insurance with numerous companies to find the best discounts for your personal insurance needs.

We’ll find you the best rates, the best discounts, and offer you coverage choices.

Give us a call, click or stop by.

We’ll bundle the heck out of your insurance.

Auto Insurance Renewal Review

Auto Insurance Renewal Review

We believe in the power of the independent insurance agent. Why? Because we’ve seen it. In fact, we’ve lived it. For 25 years we’ve been opening the door, selling insurance and servicing clients. For these reasons, believe us when we tell you: Take Advantage of our Auto Insurance Renewal Review.

If nothing else, after we’ve sunk our proverbial teeth into your auto insurance, we’ll make coverage suggestions and, most likely, save you a ton of money.

How do we do it? Is it magic? No, it’s better than magic. It’s called: Markets.

With markets comes choices. With choices comes pricing.

These days, in Massachusetts, auto insurance companies’ rates are all over the place. Gone are the days of the “State-set” rates.

It’s the new Wild West and it’s why it’s so important to get your auto insurance renewal review.

Just send us over a copy of your auto insurance coverage pages and let us get to work.

We’ll both be glad you did.

Mass Auto Quote

Mass Auto Quote

The name says it all: Mass Auto Quote.

That’s what we do. We quote Massachusetts auto insurance.

Type it into your computer: M-A-S-S-A-U-T-O-Q-U-O-T-E then add a dot com (.com). Hit enter and you’ve arrived!

Enter your quote information and let us get to work for you.

All we need is your name, date of birth, year, make, model and e-mail.

Through our Independent Insurance Agency network, we’ll quote you with top insurance companies in Massachusetts.

We’ll find you the best discount programs and offer different coverage options.

Call, click or visit MassAutoQuote.

We quote Massachusetts Auto Insurance.

We’ll work hard to earn your business.

Who has the lowest price for Auto Insurance?

Who has the lowest price for Auto Insurance
Who has the lowest price Massachusetts Auto insurance?

As a Massachusetts auto insurance broker I often get asked the question: Who has the lowest price for auto insurance?

I start to answer, stutter and start to answer again.

“It depends …” and I begin the long, exotic tale about Massachusetts auto insurance.

There once was a time, eons ago, when all companies had the same price for auto insurance as dictated by The Mighty: MA Auto Insurance Commissioner.

Wide-eyed, my listeners’ attention captivated, I continue:

There was one company, however, that offered the Holy Grail of auto discounts: The 5% AAA – auto club discount. That company was: Commerce. Commerce was The King.

Then, in 2008 “managed competition,” competitive rating, auto insurance rode into Massachusetts on a white horse followed, in 2012, by a scurrying green lizard.

Commerce Insurance morphed into MAPFRE and waved their 33% Massachusetts auto market share adios.

MA auto insurance market shares as of 3rd quarter 2018:

COMPANY NAME EXPOSURES MARKET SHARE
1. COMMERCE/MAPFRE 820,108 24.93%
2. GEICO 379,599 11.54%
3. SAFETY 305,338 9.28%
4. LIBERTY MUTUAL 301,843 9.18%
5. ARBELLA 266,642 8.11%
6. PLYMOUTH ROCK 196,877 5.99%
7. PROGRESSIVE 139,309 4.24%
8. METROPOLITAN 116,980 3.56%
9. TRAVELERS OF MA 112,878 3.43%
10. AMICA MUTUAL 110,692 3.37%
11. HANOVER 104,353 3.17%
12. USAA 100,431 3.05%
13. QUINCY MUTUAL  57,196 1.74%
14. ALLSTATE 46,581 1.42%
15. NORFOLK AND DEDHAM MUTUAL  38,788 1.18%
16. VERMONT MUTUAL  38,033 1.16%
17. NATIONAL GRANGE  36,592 1.11%
18. PREFERRED MUTUAL  19,668 0.60%
 19. OCCIDENTAL INS  16,387 0.50%
20. STATE FARM  14,583 0.44%
 22. INTEGON 11,335 0.34%
 23. GREEN MOUNTAIN  9,096 0.28%
24. IDS 8,240 0.25%
 25. ELECTRIC 7,999 0.24%
 26. BANKERS STANDARD  7,980 0.24%
 27. ESURANCE 6,580 0.20%
29. PURE 5,205 0.16%
 30. AMERICAN INTERNATIONAL 2,467 0.08%
 31. HARLEYSVILLE WORCESTER 1,754 0.05%
 31. ENCOMPASS 4 0.00%

Basically, the 11 point something Commerce/MAPFRE has lost has gone to Geico. (This, of course, is an over-simplification. They, and others, have taken business from others.)

But this, of course, as is everything, is just the beginning of our story.

Who has the lowest price for Massachusetts auto insurance?

In 2008 our growing independent agency took on new company appointments (including Progressive).

America changed the way we shop for everything, including auto insurance. We flocked to the internet. We compared prices, we compared coverage, we compared companies.

Companies changed the way they price their products.

One company marketing representative expressed delight when he declared their auto rates had an infinite amount of price points. Their price went infinitely out of site as their MA market share dwindled.

Insurance Companies each charted out their course and defined who and what their target market would be.

Often companies targeted the same market and a premium, blood-bath of consumer savings ensued. In fact, it could be argued, continues today.

Which leads me to, and in conclusion, who has the lowest price for auto insurance in Massachusetts?

We do. MassAutoQuote.com.

We are your local, independent insurance agency.

We’ll shop your individual circumstance with numerous companies taking advantage of the best discount programs.

Give us a call, click or stop by.

Spring Auto Insurance Review

Spring Auto Insurance Review

Each year, like Spring Cleaning, you should call, click or visit MassAutoQuote to review your auto insurance coverage!

It is important to understand your insurance coverage.

We are here to help.

Some questions to ask us:
  • Do we carry adequate liability limits? Limits should equal, at least, your net worth.
  • Should we carry Umbrella coverage? (Yes.)
  • What is the value of our vehicle? If the value is low, should we still carry collision coverage?
  • If our car loan is paid off, should we remove the lienholder on our policy?
  • Are we getting all available *discounts?
  • Should you have Special Items, such as jewelry, antiques, silverware, or collectibles scheduled onto your policy?
  • Would you like us to quote your business insurance? Johnson & Rohan Insurance has great commercial markets. 

Not all insurance companies offer the same discount programs which is why it is important to take advantage of the shopping power of MassAutoQuote.

Call, click or visit for your annual, Spring auto insurance review. We will help you get the best insurance coverage and discounts!

Moving to Massachusetts Auto Insurance

Moving to Massachusetts Auto Insurance
Moving to Massachusetts Auto Insurance …

Well, it’s settled. You’re moving to Massachusetts!

Let us be one of the first to welcome you.

Massachusetts is a great State. From our beaches, to our mountains, our cities, our colleges, universities, hospitals, and our storied history. We’ve got it all!

Then it dawns on you, what about auto insurance?

Here’s the big thing:

In order to insure your vehicles you have to sign an application and get your vehicles Registered and Titled.

How can I get my vehicle registered and insured in Massachusetts?

Step 1 – Find your auto insurance policy.

We can help.

Find coverage and premium you’re comfortable with. We will shop numerous companies for you.

We’ve been quoting Massachusetts auto insurance online since 1999 (that’s longer than Geico’s been quoting here).

By getting a MA auto insurance quote from us, you utilize the shopping power of the Massachusetts independent insurance agent.

We’ll quote you with numerous companies and offer you the best rates and coverage options.

Step 2 – Get your vehicle registered.

In Massachusetts insurance and registration go “hand-in-hand.”

You can’t have one without the other.

Once you have found the auto insurance coverage and premium you are comfortable with, will put together a Registry of Motor Vehicles Form 1 (RMV-1) with an insurance stamp.

Note: Massachusetts is a “Title state,” in order to get new MA plates you have to turn in your prior, out-of-state title, and get a new MA title.

Your MA driving record is determined by things such as:  years licensed, at-fault accidents, violations, citations, and suspensions.

(Remember:  You must obtain annual vehicle inspection sticker within seven (7) days of your vehicle’s registration date.)

So, although moving to Massachusetts is a big move, hopefully, MassAutoQuote will be able to make it a little easier.

We’ll find you the best best auto insurance and help you get your vehicle registered.

Moving to Massachusetts? Call or click us to get your free, no-obligation Massachusetts Auto Insurance Quote.

Local, Independent Insurance Agent

Gecco vs Insurance Agent

Geico vs. your local, independent insurance agent. Be careful you don’t click too soon.

Geico has funny commercials, a cute lizard, and they can, sometimes, have good rates.

From my independent, Massachusetts insurance agent perspective, however, that’s were the funny, cute, and good stuff ends.

We have a long time client that was hit head on by a vehicle insured with Geico.

The Geico vehicle was at-fault, allegedly skidding on black ice (our insured thinks the person was texting).

Geico appraised the vehicle (a 2005 Honda Accord LX with 141,000 miles) and deemed it to be a total loss.

The N.A.D.A. values for her vehicle are: $8,050 (retail) and $5,650 (trade).

GEICO offered her: $4,555 as settlement. Take it or leave it.

We had our client’s insurance carrier appraise the vehicle and they, in turn, offered her the full retail value: $8,050 (+ $503.12 … 6.25% sales tax).

Geico vs. Insurance Agent: $4,555 vs $8,050.

We recommended our client accept her company’s offer and let GEICO know she has decided to go first party through her own insurance company.

As I hung up the phone with our client, I thanked her for insuring with us.

Her response was: “Always.”

Having an independent agent as your advocate, whether deciding on coverage that’s right for you, or at claim time, can really make a difference.

That’s my biased, independent Massachusetts agent position.

Call or click us today for your free, no obligation Massachusetts auto insurance quote.

You will be glad you did.

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