Massachusetts Auto Insurance Endorsement Spotlight

MA auto insurance companies have reacted to the changing competitive scenery offering discount programs and endorsements with valuable “bells & whistles.”

The most valuable, perhaps, being “Accident Forgiveness” & “Disappearing Deductible.”

As part of our Massautoquote continuing effort to educate our clients, we offer a snapshot of Safety Insurance’s “Shield Plus” endorsement.

The “Shield Plus” endorsement is offered to Safety Insurance auto insurance policies to clients that have state-best driving records of “99” or “98.”

The offer costs $35 annually and includes the following benefits …

Our Massachusetts Independent Insurance Agency has been writing insurance in the state for almost 20 years. Over this time span we’ve grown exponentially and we have picked up many markets. We’ve also seen many changes in the Massachusetts auto insurance marketplace.

MA auto insurance companies have reacted to the changing competitive scenery offering discount programs and endorsements with valuable “bells & whistles.”

The most valuable, perhaps, being “Accident Forgiveness” & “Disappearing Deductible.”

As part of our Massautoquote continuing effort to educate our clients, we offer a snapshot of Safety Insurance’s “Shield Plus” endorsement.

The “Shield Plus” endorsement is offered to Safety Insurance auto insurance policies to clients that have state-best driving records of “99” or “98.”

The offer costs $35 annually and includes the following benefits:

  • Disappearing Collision Deductible (-$500 credit toward your Collision deductible)
  • Accident Forgiveness. If in an at-fault accident during the policy term, Safety Insurance will not surcharge your policy upon renewal.
  • As well as some additional highlights such as: rental vehicle loss of income, lock in value (guaranteed replacement cost), personal effects coverage up $1,250, extended substitute transportation, emergency road travel expenses, enhanced towing & labor, & air bag coverage.

Other companies offer similar type endorsements.

Sometimes, if a client presently carries a $500 collision deductible, it makes sense to include Safety Insurance’s “Shield Plus” endorsement (+$35) and increase the deductible (on paper) to $1,000.

By doing so, the client will improve coverage and save money.

Call or click us to find out more about Safety’s Massachusetts auto insurance “Shield Plus” endorsement.

You will be glad you did.

 

Save Money on MA Auto Insurance

Happy ending: our independent, MA Insurance Agency re-rated his renewal with seven companies and found another company more competitive for ”0″ drivers.

Our Massachusetts Insurance Agency recieved a call from a long time client regarding his 2013 auto insurance renewal.

His annual premium went up from $1,057 in 2012 to $1,331 in 2013.

What happened?

He got a speeding ticket.

Although there are no surcharge points added for the first moving violation, companies take away incident free driving credits.

So, as a result, his driving record went from a step “99? to a “0.”

Happy ending:  our independent, MA Insurance Agency re-rated his renewal with seven companies and found another company more competitive for ”0? drivers.

We transferred his coverage and was able to lower his annual premium to $1,156 with an additional -5% if he takes advantage of the company’s pay in full discount.

The moral of the story is to shop your Massachusetts Insurance with us @ Massautoquote and utitlize the power of the Massachusetts Independent Insurance Agent.

You will be glad you did.

Massachusetts Personal Liability Umbrella Policy

Contact MassAutoQuote to find out more information on Massachusetts Personal Liability Umbrella Coverage.

A Massachusetts Personal Liability Umbrella Policy “sits-over” your home and auto liability limits.

Coverage limits start at $1,000,000 and provide protection from lawsuits. 

Coverage is relatively inexpensive to purchase.

With one of our companies, for example:

$1,000,000 of Personal Liability Umbrella Coverage sitting over two autos and one home, annual premium: $180.

 Umbrella Policies require underlying motor vehicle liability limits of $250,000 per person/$500,000 per accident and $100,000 of property damage coverage.

 In addition to coverage limits, insurance companies provide legal defense.

So, in essence, when you purchase higher limits you are also purchasing improved legal defense. 

Please call or click if you would like to discuss Massachusetts Personal Liability Umbrella Coverage.

Mass Auto Quote Driving Tip: 3 Second Rule

MassAutoQuote recommends Massachusetts drivers utilize the “three second rule” and practice safe driving.
The best, most experienced drivers in state get the best auto insurance rates.

The best, most experienced drivers get the best auto insurance rates in Massachusetts.

It’s important to have a good driving record.

If you have no at-fault accidents and no moving violations over a 6 year period of time, then you should be rated as a state best, “99” driver.

MassAutoQuote Driving Tip of the Day:

Use the “three-second rule” to help prevent rear-end accidents!

The “three-second rule” accounts for your reaction time to the movements of the vehicle ahead and your vehicle’s stopping distance.

You should add more time if the road is slippery, if you’re being crowded by a tailgater, if you’re towing a trailer or if you’re driving a large truck.

The three-second rule:

When the vehicle ahead of you passes a stationary object, start counting:  1,001 … 1,002 …

The first second is your reaction time; the next two seconds account for your braking distance

You should not reach the object before you count to … 1,003. If you do, you are following too closely.

At a vehicle speed of 55 mph, the three-second rule creates a gap of 243 feet between cars.

MA Auto Insurance : Part 5

As an independent, MA auto insurance agency owner, when someone has me take a look at their auto insurance, the first thing I do is look at their Part 5. Optional Bodily Injury to Others coverage.

It’s the Big Kahuna of coverage. It’s your lawsuit protection.

It’s the amount of coverage that’s available to another party if you injure them in an auto accident. It’s the amount of coverage available before the injured party (parties) can sue you for additional damages (assets).

In addition to coverage limits, insurance companies pay legal defense.

Let’s take a look at the MA Auto Policy:

Part 5. Optional Bodily Injury to Others

Under this Part, we (insurance company) will pay damages to people injured or killed in accidents if you or a household member is legally responsible for the accident. We will also pay dmages if someone else using your auto with your consent is legally responsible for the accident. The damages we will pay are the amounts the injured person is entitled to collect for bodily injury through a court judgement or settlement.

The MA Auto Policy continues with exclusions for business use, unlisted operators, and some other things but overall, this is the heart of your MA auto insurance coverage.

How much liability coverage do you have?

Is it enough?

Give us a call or a click (auto quote) and will offer you our suggestions.

Reminder: Optimize Your MA Auto Insurance Discounts!

 

If you insure your auto & home through Massautoquote, you can ensure that you are getting the best rates, coverage, programs & discounts available.

There has never been a better time to consolidate your insurances.

Call or click to discuss if you insure either your auto or home somewhere else.

Massautoquote is your independent, online Massachusetts insurance resource.

 

Massachusetts Auto Insurance Discounts

MassAutoQuote.com will shop your MA Auto Insurance to find you the best coverage and biggest auto insurance discounts.

Chances are, when you get a quote from MassAutoQuote, we will save you money. Most likely, we will also improve your coverage.

Our job, as your Massachusetts insurance agent, is to shop your coverage with multiple companies, make coverage recommendations, and help you if you ever have a billing question or claim problem.

We re-rate renewals and suggest coverage improvements, insurance or discount programs.

Some of the traditional Massachusettsautomobile insurance discounts include:

Age 65 or Older, Passive Restraint, Annual Mileage discounts, Anti-theft, Multi-Car, Driver’s Education, Public Transit

Additional discounts may include:

Account discounts, Excellent driver & excellent driver plus discounts (99 & 98 drivers), Pay in full discounts, Hybrid vehicle discount, Advanced driver training discount, Alumni & professional group discounts, Good student discount (“B” or better), Student away at school discounts

Call or click us for your Massachusetts Auto Insurance Discount Review!

MA Used Car Buyers Urged to Beware of Oregon Issued Reconstruction Titles

Massachusetts Registrar, Rachel Kaprielian explained: “Scammers are pretending to go across country to gain a consumer’s trust. We have seen more than 50 titles that fit this bill from Oregon.”

MassDOT’s Registry of Motor Vehicles is urging MA used car buyers to pay extra attention if buying a vehicle with an out-of-state Oregon title. Reconstructed titles form Oregon are being used to mask vehicles damaged during Hurricane Sandy.

Massachusetts Registrar, Rachel Kaprielian explained: “Scammers are pretending to go across country to gain a consumer’s trust. We have seen more than 50 titles that fit this bill from Oregon.”

Water damaged vehicles can be cosmetically covered up, long-term concerns include electrical system failure and safety problems.

The Massachusetts Registry of Motor Vehicles is taking precautions upping the scrutiny given to these types of titles; but MA auto buyers should be watchful for this type of scam.

Consumers can visit: http://www.vehiclehistory.gov or http://www.carfax.com/flood to help before making a used vehicle purchase.

MassDOT reports: “Red flags on these reports will include: a Damage Report Filed on 10/29/2012 indicating a Total Loss Vehicle, a New York or new Jersey Salvage Title Issued, and a Title issued by the Oregon Motor Vehicle Department. It is important to note that even though a “Reconstructed” Title has been issued, these vehicles have potentially not undergone any type of salvage inspection.”

 

Shop For MA Auto Insurance

MA Auto Insurance Agent quotes Massachusetts auto, home, life and business insurance. http://www.MassAutoQuote.com

Massautoquote.com is your online, independent, Massachusetts  insurance agent.

When you utilize our services to provide you a Massachusetts auto insurance quote, you utilize the enormous shopping power of the independent insurance agent.

We will shop your coverage with numerous companies and provide you different coverage and premium options.

You will hear from us only once and you will not be contacted by more than one person trying to earn your business. We will not continually bombard you with e-mail or voice mail with auto insurance solicitations.

Massautoquote will assist you with the Massachusetts Registry of Motor Vehicles and, in addition to auto insurance, our agents offer home, life, and business insurance.

* Our Privacy Pledge: Your personal information will never be used, or sold, for any purpose other than to supply you with the requested insurance information. You will never receive an uninvited solicitation from anyone as a result of Massautoquote.com’s service.