What is Comprehensive Coverage on the MA Auto Policy

Comprehensive Coverage, Part 9 on the Massachusetts Auto Insurance Policy states:

Under this Part, we will pay for direct and accidental damage to or loss of your auto  other than damage caused by collision.

Coverage is for damage to your vehicle from things such as: fire, theft, vandalism, or if you strike an animal.

Coverage will pay up to the actual cash value of your insured vehicle, subject to your policy’s deductible. The MA auto insurance policy offers $300, $500, $1,000 and higher deductibles. 

In Massachusetts, full comprehensive insurance coverage includes free or, 1st dollar glass coverage.

New Year’s Resolutions: Compare your MA Insurance!

Happy New Year Massachusetts!

Massautoquote.com celebrates our 12th year providing free, no obligation Massachusetts auto insurance quotes.

Some popular New Year’s resolutions include:

  • Spend More Time with Family & Friends
  • Get in Shape
  • Lose Weight
  • Quit Smoking
  • Enjoy Life More
  • Quit Drinking
  • Get Out of Debt
  • Try Something New
  • Help Others

To this list, we recommend Massachusetts residents add: compare your insurance!

In our opinion, there has never been a better time to shop and compare different companies premiums and coverage programs.

In addition:  it’s never been easier to shop multiple auto insurance companies in Massachusetts rates. Simply click on our “Get A Quote” form, call or fax over your existing MA auto insurance coverage page.

Massachusetts Auto Insurance Market

The Massachusetts Auto Insurance Market reminds this MA independent agent of The Wild West.

Rather than a six-shooter, we’re equipped with auto insurance comparative rating software.

Different companies have different appetites for different types of business. Ideally, you want to package your home, apartment or condominium insurance with the same company that writes your auto insurance.

The MA independent agent is a great place to start with your MA auto insurance rate quest.

Your MA independent agent will shop with multiple companies to find the best rates and insurance programs.

Massautoquote utilizes the power of the MA independent agent and we recommend you call or click us to get your MA auto insurance quote today.

Massachusetts Auto Insurance

Right now is a great time to shop for MA auto insurance.

Why?

Because long gone are the days of state-set Massachusetts auto insurance rates.

Since April 1st of 2008, Massachusetts realized “Managed Competition” personal auto insurance.  State regulations loosened, companies entered and re-entered the Commonwealth.

Insurance companies are now free to charge different rates for different coverage than other companies.

Massachusetts auto insurance consumers were long neglected some of the insurance programs offered to drivers in other states, such as:  accident forgiveness & disappearing deductibles.

To get your free, no obligation Massachusetts Auto Insurance Quote:  Call or Click us today!

The Best Auto Insurance Rates in Massachusetts

The best drivers get the best auto insurance rates in Massachusetts. If you have been licensed over 6 years and have had no moving violations (speeding tickets etc) & no at-fault accidents then you are a “99” driver.

One of the most frustrating consumer tickets is for the expired, annual inspection sticker. Massachusetts requires registered vehicles pass the annual, $29 inspection. The surcharge penalty for an expired inspection sticker is the same as the surcharge penalty for a speeding ticket. So, take a look at your inspection sticker.

Winter Driving Tips

Driving during the winter in Massachusetts can be one fo 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 accoding to road conditions. Drive caustiously 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 windhield 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.

Massachusetts Auto Insurance Cancellation

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.

MA Inspection Sticker

 

Perhaps the cruelest of all surcharge points on the personal MA Auto Insurance Policy is the ”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 .

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

Kids & Cars in Massachusetts

We’ve mentioned it many times on our http://www.Massautoquote.com blog & we’ll mention it again:  In Massachusetts, parents may want to consider, in order to best protect assets, consider registering and insuring a vehicle in their child’s name.  In Massachusetts parents are provided 100% insulation from lawsuits arising from bodily injury or property damage claims.

Mass. MGL Chapter 231, section 85A: “If a car is registered to the child and the child gets into an accident causing personal injury and/or property damage, there is no reponsibility on the parent. It does not make any difference who bought the car or who pays for the insurance, or how old the child is so long as we are talking about negligence.”

On this basis it might make sense for parents to consider insuring a vehicle in their child’s name.

What to do if in an accident:

 

  • Stop. Be Courteous. Stay Calm. Your interest will be served best if you are courteous and engage in no controversy at the scene of the accident.
  • If there is significant damage to any of the vehicles or any potential injuries call 911 immediately.
  • Get the names of the owners and drivers involved. Get license numbers, telephone numbers, and registration numbers.
  • Get the names, addresses, and telephone numbers of witnesses.
  • Express no opinion as to who was at fault. Give no information except for as required by the authorities. Do not sign any statements unless required by authorities.
  • Report the claim promptly to your Independent MA Insurance Agent.

Many agencies offer 24/7 claims service.