Top 10 Reasons to use a Massachusetts Independent Agent

Top 10 Reasons to use a MA Independent Insurance Agent:

10.  Unlike other agents, your Independent Insurance agent is not beholden to any one company; thus, you don’t need to change agencies as your insurance and service needs change.

9.  Assists you when you have a claim.

8.  Is your consultant, working with you as you determine your needs.

7.  Offers you a choice of Massachusetts insurance plans and programs.

6.  Is a value hunter who looks after your pocketbook in finding the best combination of price, coverage and service.

5.  Offers one-stop shopping for a full range of products – Massachusetts home insurance, renters, Massachusetts car insurance, business, life and health.

4.  Can periodically help you review your coverage to keep up with your changing insurance needs.

3.  Treats you like a person, not just another number.

2.  Works for you as advocate at claim time, or if you have a billing question.

1 … Will assist you with the Registry of Motor Vehicles!

Discount Double Check

State Farm commercials advertise their discount double check program. I smile every time I see them. As a Massachusetts independent insurance agency owner, I am reminded of what we do every day. Welcome to our world. We shop insurance, check and double check for discounts.

It’s important to remember your MA insurance agent does more than this for you.

Your agent also: 

  • Advises you of coverage
  • Assists you with the MA Registry of Motor Vehicles
  • Helps with billing problems
  • Advocates for you at claim time.

By filling out an auto quote request form here at Massautoquote.com, you are immediately utilizing the shopping power of the Massachusetts Independent Insurance Agent.

Call or click us today for your very own, independent coverage review and “discount double-check.”

Nobody knows Massachusetts Auto Insurance better than your Massachusetts Independent Insurance Agent!

Massachusetts Auto Accident Standards of Fault

When determining fault in a Massachusetts auto accident, MA insurance companies use the following Standards of Fault:

  • Collision with a lawfully or an unlawfully parked vehicle
  • Rear-end collision
  • Out-of-lane collision
  • Failure to signal
  • Failure to proceed with due caution from a traffic control signal or sign
  • Collision on wrong side of road
  • Operating in the wrong direction
  • Collision at an uncontrolled intersection
  • Collision while in the process of backing up
  • Collision while in the process of backing up
  • Collision while making a left turn or a U-turn across the travel path of a vehicle travelling in the same or opposite direction
  • leaving or exiting from a parked position, a parking lot, an alley, or a driveway
  • Opened or opening vehicle door(s)
  • Single-vehicle collision
  • Failure to obey the rules and regulations for driving
  • Unattended vehicle collision
  • Collision while merging onto a highway or into a rotary
  • Noncontact operator causing collision
  • Failure to yield the right-of-way to emergency vehicles when required by law
  • Collision at a “T” intersection(you entered from side road)

For more information regarding MA automobile insurance, call the Massachusetts Division of Insurance Consumer Hotline at: 617-521-7777 or visit their website: http://www.mass.gov/doi. For more information regarding your driving record, call the Massachusetts Merit Rating Board’s Customer Service Section at: 617-351-4400 or visit their website at: http://www.mass.gov/mrb.

For a competitive, Massachusetts Auto Insurance quote, please call or click us today.

 

What To Do If In An Auto Accident:

  1. STOP immediately, but do not obstruct traffic.
  2. ASSIST injured. Have someone call police. Repeat after 5 minutes.
  3. SECURE names, phone numbers, addresses of other drivers, witnesses, injured persons.
  4. SECURE make, model, license and registration numbers of all cars involved.
  5. MAKE a rough drawing of scene, showing position of cars and other details.
  6. DON’T hastily accept claim settlements at scene of accident.
  7. REMAIN calm, courteous and consistent in your version of accident.
  8. NOTIFY your independent, Massachusetts insurance agent as soon as possible.

Massachusetts Insurance Agents Big Event

The Massachusetts Association of Insurance Agents hosted their annual conference, The Big Event, from November 8 – 11th at the Marriott Copley in Boston.

The convention had 1800 attendees including top insurance experts and leaders, over 75 education seminars, industry meetings, and an impressive trade show featuring 135 vendors.

For independent Massachusetts insurance agents it is a unique, annual opportunity to join fellow agents, company representatives, educators and industry vendors to compare notes, learn, renew relationships, network, and get an idea of what leading industry companies are up to.

This year’s Big Event boasted a sold-out trade show and was considered a huge success by everyone!

Is Your MA Auto Policy Cancelled?

Has your Massachusetts Auto Insurance policy been cancelled for non-payment?

If so, or if you have a poor driving record (at-fault accidents, moving violations, suspensions or revocations)  you may have difficulty obtaining MA auto insurance.

The MAIP (Massachusetts Auto Insurance Plan) marketplace is an option available to MA consumers.

The MAIP program requires 25% down-payment on new business.

If cancelled over the past 12 months for non-payment, MAIP requires (like many companies) 100% premium payment in full.

Unfortunately, it’s an all too common Massachusetts Consumer Auto Insurance Dilemma.

Contact us or a local, independent Massachusetts insurance agent.

Massachusetts Insurance: Post Hurricane Sandy

Compared to damage done by Hurricane Sandy to New York and New Jersey, Massachusetts residents have been relatively lucky.

Commonwealth insurers have been, however, inundated with Hurricane related claims.

Thankfully there is coverage for things such as trees and tree limbs crashing through homes and other structures, wind pulling roofs off of structures and rain pouring in, damaging interiors and personal property.

Coverage, however, is subject to your policy’s deductible and this might include a special wind deductible.

Wind deductibles can range from between 1%, 2%, 5% or even 10% of your Coverage A, Dwelling, amount.

Contact your Massachusetts independent agent to find out if your policy has a wind deductible.

If you carry comprehensive coverage on your MA auto insurance policy then you have coverage for anything that might happen to your vehicle besides a collision. This includes falling objects, water damage, or scratches or dents done by wind-driven rain or objects.

 

Does My Car Have Hurricane Coverage?

The day after Hurricane Sandy, our independent Massachusetts Insurance Agency has received many phone calls asking:

“Do we have coverage?”

If your vehicle is insured in Massachusetts and you carry comprehensive coverage (Part 9 on the MA auto insurance policy) then: yes, your car has coverage for damage done to it by a hurricane.

Your MA comprehensive coverage provides coverage for things like: falling tree limbs, broken glass, water damage, dents from flying objects, subject to your vehicle’s deductible.

On the Massachusetts auto policy it is not very expensive to lower your comprehensive coverage deductible.

The lowest deductible comprehensive most companies offer is $300.

Call your friendly Massachusetts insurance agent, or call or click us to find out more details.

Are you paying too much for your MA auto insurance?

Now, more than ever, it is important to have a set of independent insurance agent eyes review your auto & home insurance policies.

Your Massachusetts Independent Insurance Agent will shop your insurance with multiple companies to ensure you are receiving the best rate, the best coverage, with the best company.

Massautoquote.com harnasses the power of the MA independent insurance agent.

To your insurance agent, you are more than just a number: you are a client!

Advantages of using a Massachusetts independent agent:

  • Licensed professional with strong customer and community ties.
  • Gives excellent service and competitive prices because your agent can access the insurance coverage from multiple companies.
  • 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 – Massachusetts home insurance, renters, Massachusetts car insurance, business, life and health.
  • Can periodically help you review your coverage to keep up with your changing insurance needs.
  • Treats you like a person, not just another number.
  • Customer satisfaction is the key to a Massachusetts independent agent’s livelihood. So, serving you is a very important concern.

Get a free, no obligation MA auto insurance quote from us today!

Please either submit a quote request online or give us a call at:  781-246-8699.

Massachusetts Auto Insurance Companies

As a consumer service, www.Massautoquote.com offers the following, partial listing of insurance companies that write Massachusetts auto insurance:

Amica
1-800-24-AMICA
P.O. Box 9128
Providence, RI 02940-9128

Arbella
1-800-972-5348
1100 Crown Colony Drive
P.O. Box 699103
Quincy, MA 02269-9103

Commerce
1-800-922-8276
211 Main Street
Webster, Massachusetts 01570

Electric
1-800-227-2757
75 Sam Fonzo Drive
Beverly, MA 01915

Encompass
1-866-760-6050
51 West Higgins Road
South Barrington, IL 60010

Hanover
1-800-922-8246
(Allmerica Financial)
440 Lincoln Street
Worcester, MA 01653-0002

Liberty Mutual
617-357-9500
175 Berkeley Street
Boston, Massachusetts 02116

 

Metropolitan
1-800-422-4272
 PO Box 350
 Warwick, RI 02887

National Grange Mutual
1-800-258-5310
55 West Street
Keene, NH 03431

Norfolk & Dedham
1-800-688-1825
222 Ames Street
Dedham, MA 02026

 

781-332-7000
One Beacon Lane
Canton, MA 02021
 
Plymouth Rock
617-951-1620
695 Atlantic Avenue
Boston, MA  02111

Premier
1-800-222-4184
One Chestnut Place
10 Chestnut Street, Ste 300
Worcester, MA 01608

Quincy Mutual
617-472-8770
57 Washington Street
Quincy, MA 02169

Safety
1-800-951-2100
20 Custom House Street
Boston, MA 02110

State Farm
1-800-526-8210
1 State Farm Plaza
Bloomington, IL 61710

USAA
1-800-531-8080
PO Box 659464
San Antonio, TX 78265