MA Auto Insurance: another Geico horror story

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 …

MA Auto Insurance

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.

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).

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.

 

Top 10 Reasons to Use an Independent MA Agent

Disclaimer: I’m biased, I am an independent MA agent. I’m also, however, convinced that a pro-active independent agent with a sharp pencil who shops your renewals and takes advantage of different discount and insurance programs will save you a ton of money over the years …

Massachusetts Insurance

As a Massachusetts Insurance consumer, you have many choices where to buy your insurance. You can go online and “do it yourself,” you can call a direct writer, or you can utilize a professional, independent Massachusetts insurance agent.

Disclaimer: I’m biased, I am an independent MA agent. I’m also, however, convinced that a pro-active independent agent with a sharp pencil who shops your renewals and takes advantage of different discount and insurance programs will save you a ton of money over the years.

We’ve put together our Top 10 list of reasons why you want to utilize the an independent insurance agent …

Top 10: 

  • #10. Your Independent MA Insurance Agent will save you money!
  • #9. Your Independent MA Insurance Agent rates with multiple companies!
  • #8. Your Independent MA Insurance Agent works on your side when you have a loss!
  • #7. Your Independent MA Insurance Agent will provide strong referrals from existing customers!
  • #6. Your Independent MA Insurance Agent has strong local ties and supports your community!
  • #5. Your Independent MA Insurance Agent will improve your coverage!
  • #4. Your Independent MA Insurance Agent provides 24 hour a day, 7 days a week auto claim service!
  • #3. Your Independent MA Insurance Agent provides prompt, courteous service!
  • #2. Your Independent MA Insurance Agent offers free Registry of Motor Vehicles Service!
  • #1. Your Independent MA Insurance Agent makes house calls!

 

Massachusetts Insurance: Winter Driving

Driving during the winter in Massachusetts can be one of the most difficult and hazardous situations for both new and experienced drivers.

Before the snow flies we offer some winter driving tips:

winter driving tips

Living in Massachusetts has it’s benefits. We have Boston, beaches and mountains. We have easy access to New Hampshire, Vermont, New York and Maine. Boston is renowned for our institutes of higher learning and world famous hospitals. We have winning sports teams and we get to enjoy the wonder of the seasons: hopeful springs, warm summers, dramatic falls and … frozen winters.

Driving during the winter in Massachusetts can be one of the most difficult and hazardous situations for both new and experienced drivers.

Before the snow flies we offer some winter driving tips:

  • Reduce your speed according to road conditions. Drive cautiously and accelerate gently.
  • Never lock your brakes on icy roads. You will lose steering control. If you do skid, try to remember to turn into the direction of the skid.
  • Increase the space between your vehicle and others. You need more distance to stop safely on slippery surfaces.
  • Make sure your windshield washer has sufficient fluid and that your wipers and defroster are in good condition.
  • Before driving, completely remove ice and snow from your vehicle. Clear all windows, wipers, headlights, and brake lights.
  • Keep your fuel tank at least half full to prevent the fuel line from freezing.
  • Keep a sleeping bad or blanket, flashlight, water, high calorie food that will not spoil, and a shovel in your trunk for emergencies.
  • Carry your cell phone and a car cell phone charger.

If you don’t have to drive: don’t! If you find your driving in inclement weather: stay safe.

From all of us at MassAutoQuote.com: Have a Happy Holiday and a safe New Year!

 

15 minutes could save you MORE than 15% …

Recently our Massachusetts Insurance Agency has written clients away from Geico and saved them more than 15%.

As a case study, let’s take a look at one of them …

Geico spent $921 million on advertising in 2012.

“15 minutes could save you 15%.” Then again … they may not.

Recently our Massachusetts Insurance Agency has written clients away from Geico and saved them more than 15%.

As a case study, let’s take a look at one of them:

A 27 year old woman living in Charlestown, MA (perfect driving/ step 99) owns a 2011 Mazda 3 sedan and, with Geico, carried liability limits of: $100,000 per person/ $300,000 per accident (parts 3, 5 & 12); $50,000 Property Damage coverage (part 4); Collision and Comprehensive coverage with $1,000 deductibles and no waiver of deductible.

Her 6 month Geico premium:  $1,611.80

Our annual premium, with $100,000 Property Damage coverage (part 4) including waiver of collision: $1,656.

Calculator aside, our 12 month policy, with better coverage, is about 50% less than Geico.

Maybe that’s why they spent $921 million dollars on advertising last year.

Competitive Massachusetts Auto Insurance Quotes Are Here!

Paul Revere rode the streets of Boston yelling:

The British Are Coming! The British Are Coming!

MassAutoQuote rides the internet offering:

Free Competitive Massachusetts Auto Insurance Quotes Are Here!

MassAutoQuote offers competitive auto insurance quotes only in Massachusetts.

Paul Revere rode the streets of Boston yelling:

The British Are Coming! The British Are Coming!

MassAutoQuote rides the internet offering:

Free Competitive Massachusetts Auto Insurance Quotes Are Here!

MassAutoQuote offers competitive auto insurance quotes only in Massachusetts.

We utilize the shopping power of your local, independent insurance agent to provide you the best rates and best coverage options.

Your local, independent Massachusetts agent:

  • Quotes with an average of 7 different companies.
  • Is a licensed professional with strong customer and community ties.
  • Gives you excellent service and competitive prices because your agent can access the insurance coverage from more than one company.
  • Assists you when you have a claim.
  • Is your consultant, working with you as you determine your needs.
  • Offers you a choice of Massachusetts insurance plans and programs.
  • Is a value hunter who looks after your pocketbook in finding the best combination of price, coverage and service.
  • Offers one-stop shopping for a full range of products – home, renters, auto, business, life and health insurance.
  • Treats you like a person, not just another number.
  • Works for you as advocate at claim time, or if you have a billing question.
  • Helps you with the Registry of Motor Vehicles!

Call or click us today!

MA Auto Insurance: Don’t Let Your Massachusetts Inspection Sticker Lapse!

 

Perhaps the cruelest of all surcharge points on the personal MA Auto Insurance Policy is the one for an ”expired inspection sticker” citation.

In Massachusetts, a ticket for an expired vehicle inspection sticker is the equivalent, in auto insurance citation points, of a moving violation.

According to the MA Department of Insurance:

Surcharge points are incurred if you:

  • cause an at-fault accident
  • are convicted of or pay a fine for a traffic law violation
  • are assigned to an alcohol education program

An expired inspection sticker is considered “pay(ing) a fine for a traffic law violation.”

A $40 ticket results increased insurance costs for 6 years! About 20% increase the first three years, diminshing the following three .

Check your MA Inspection Sticker:  Don’t let it lapse!

Following please find a helpful, Mass Inspection Station locator link:

http://massvehiclecheck.state.ma.us/find_emissions_repair.php

Massachusetts Auto Insurance Quotes

When shopping for Massachusetts auto insurance quotes, remember:

  • All quotes are not created equal.

Have your existing Coverage Selections Page in front of you. Make sure you are getting an “apples to apples” MA auto insurance quote comparison.

In this humble, MA independent insurance agent’s opinion, the most important coverage on the MA auto policy is your Part 5, Optional Bodily Injury to Others coverage. This is, essentially, your law-suit coverage.

We recommend you carry, at least, limits of $100,000 per person/ $300,000 per accident limits. We also recommend you match your Parts 3 & 12 (protects you & occupants from Uninsured & Underinsured Motorist Coverage).

  • Get quotes for improved liability limits.

If you carry liability limits of less than $100,000 per person/ $300,000 per accident (Parts 3, 5 & 12 on the MA auto insurance policy), have your insurance agent quote you improved coverage. You might be surprised how affordable better limits are. Limits of $250,000 per person/ $500,000 per accident are available and we recommend you:

  • Consider Personal Liability Umbrella coverage.

Personal Liability Umbrella coverage “sits-over” your auto and home liability limits. Coverage limits are from $1,000,000 – $5,000,000. Companies require underlying auto insurance limits of $250,000 per person/ $500,000 per accident.

  •   Does your auto insurance coverage include “accident forgiveness” and “disappearing deductible?”

Most MA auto insurance companies offer valuable “accident forgiveness” and “disappearing deductible” features. Make sure your coverage includes these endorsements. Note: most MA insurance companies will offer these endorsements if you are an experienced driver (6+ years) with an excellent driving record (in MA: step “99” or “98” drivers).

  • Have you packaged your MA auto insurance with your home, condominium, or apartment insurance?

If not, make certain your MA insurance agent packages your auto with your home insurance company. It is the only way to ensure you are getting the best premiums. If you have packaged your products, and you are considering moving your auto only to another insurer: beware! You will, most likely, lose the large account discount on your home insurance. Shop your MA auto and home insurance at the same time.

  • Call or click us for your free, no-obligation MA auto insurance quote.

 

MA Auto Insurance Junior Operator License Restrictions

Any motor vehicle operator or motorcyclist between the ages of 16 1/2 and 18 is considered a Junior Operator. The Junior Operator Law has several requirements and restrictions that significantly affect the operation of a motor vehicle by a person who has a Junior Operator’s License (JOL). The basic purpose of the law is to provide new drivers supervised opportunities in which to develop good driving skills, while keeping those drivers free of the possible distractions caused by friends under age 18 who are present while the drivers are behind the wheel.

Following, from the MA Registry of Motor Vehicles Driver’s Manual, we offer Massachusetts Junior Operator License Restrictions:

  • You may not operate a motor vehicle within the first six months after receiving your JOL while any person under age 18 is in the vehicle (other than you or an immediate family member), unless you are accompanied by a person who is at least 21 years old, has at least one year of driving experience, holds a valid driver’s license form Massachusetts or another state and is occupying a seat beside you.

General Rule: The passenger restriction that applies to the Junior Operator (Under age 18) is lifted once the Junior Operator completes the six-month period or you reach age 18, whichever occurs first.

The six-month passenger restriction period will stop running, temporarily, during any suspension. When your JOL is reinstated, you will still have to complete the remainder of the six-month restriction period that existed at the beginning of the suspension period, unless you have already turned 18.

  • As the holder of a Junior Operator License (JOL), you may not operate a motor vehicle between 12:30 a.m and 5:00 a.m. unless you are accompanied by one of your parents or your legal guardian. If you are found operating a motor vehicle in violation of this restriction, you may be charged with operating a motor vehicle without being licensed. This is a criminal violation.
  • If you violate the passenger restiction or the night restriction, you will be subject to a license suspension of 60 dyas for a first offense, 180 days for a second offense, and one year for subsequent offenses. For a second or subsequent offense, you will also be required to complete a Driver Attitudinal Retraining course. The law requires the Registrar to impose this suspension in addition to any other penalty, fine, suspension, revocation, or requirement that may be imposed in connection with a violation committed at the time you were violating the passenger or night restriction.
  • You may not operate a motor vehicle that requires a commercial driver’s license (CDL).
  • You will be suspended for one year if you are udner 18 when you have committed certain driving offenses and alcolhol or drugs were involved (180 days if age 18 to 21), in addition to any penalty assessed by a court or other law.
  • You will be ineligible for a full license until you have completed the period of suspension imposed while operating with a JOL and you reach age 18.
  • You will face additional suspension periods of one year for a first drag racing offense and three years for a subsequent offense, you will be suspended for one year.

Massachusetts Registry of Motor Vehicles Online Services

The Massachusetts Registry of Motor Vehicles has a great, state of the art, web site:  MassRMV.com.

Some of the popular online services offered include: cancel your plates, change your address, renew your license, and renew your registration.

Following please find links and listing of the Mass RMV’s online services:

License/ID –

Registration/Title-

Renewal

Duplicates

Plates

Check My Status

Other-