Although State Farm does not have agencies in Massachusetts, I smile every time I see their commercials. Besides being humorous, I feel as though they are advertising directly for our local, independent, Massachusetts Insurance Agency. Their commercials stress the person to person relationship that you hope to have with your agent. In each of their commercials, the client is in some sort of trouble and, rather than panicking, they know who to call: their agent.

This person to person relationship and the trust that goes along with years of working together is what our insurance agency, and all Massachusetts independent agencies strive for each and every day.

Our Independent, Massachusetts Insurance Agency gets many questions about driving records and how accidents and moving violations affect insurance rates.

Motor vehicle violations and at-fault accidents are called surchargeable events.

If you have been licensed for, at least, 6 years and have no surchargeable events then you are a state-best:  “99” driver.

When you first get your license you are a neutral “0” point driver. After 5 years clean driving experience you receive a credit and become a “98” driver.

For a minor (less than $2,000 paid out combined damage) at-fault accident, drivers are surcharged 3 points.

For a major (more than $2,000 paid out combined damage) at-fault accident, drivers are surcharged 4 points.

For the first motor vehicle violation (includes inspection sticker violations), the state will not surcharge you — HOWEVER — if you are a “99” or “98” driver, you lose your credits and become a “0” driver. For each additional motor vehicle violations drivers are surcharged 2 points.

Each surcharge point increases your MA auto insurance by, approximately, 5%.

The best way to save money on insurance? Drive Safely & keep your driving record perfect!

For Massachusetts Auto Insurance: It’s a brave new world.

Almost 3 years ago, Massachusetts welcomed “Managed Competition” auto insurance.

As a result, insurance companies entered the state.

Companies already doing business in Massachusetts were forced to sharpen pencils and improve technologies, in an effort to compete against the national and online insurance company infidels.

Insurance Agencies, too, have were forced to sharpen their pencils and embrace new rating technologies.

MA consumers? We’ve found we have choices!

Choices in premiums, choices in endorsements, and choices in insurance programs.

Now, more than ever, it’s important to have your Massachusetts Independent Insurance Agent review, shop and provide you with coverage and premium comparisons.

Call (781-246-8699) or Click us today!

There are secret agents.

There are sports agents.

And there are Independent Insurance Agents.

You spend a large amount of money every year on insurance, for a product you hopefully won’t have to use.

Who is your Independent Insurance Agent?

As your life changes, your insurance needs change as well.

• When you get licensed, you were added to your Mom & Dad’s policy
• When you got your first car, you got your first auto policy
• You moved out of the dorm, got your first apartment policy
• You fell in love, bought a ring, added it to your policy
• You got married, bought your first home, got your first home policy
• Started your own business, got first commercial insurance policy
• Had you first baby, got your first term life insurance policy

Your Massachusetts Independent Insurance Agent is there to help you every step of the way.

Benefits of having a MA Independent Insurance Agent:

• 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.
• Your MA Independent Insurance agent works with many companies; thus, you don’t need to change agencies as your insurance and service needs change.
• 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.

For your free MA Independent Insurance Agent auto, home, business & life insurance review: call or click us today!

In Control: Massachusetts Auto Crash Prevention Training Program

Popular with new drivers, we recommend all drivers take In Control’s Crash Prevention Training Program .

The 4.5 hour training class literally flies by while learning & practicing:

• Defensive Driving Techniques
• Tailgating Avoidance/Safety
• Steering and Speed Control
• Spatial Awareness and Proper Backing Up Procedures
• Hazardous Condition Driving Techniques
• Emergency Braking (incl ABS)
• Emergency Lane Changes
• Dangers of Distractions

The cost of the course is $299. If recommended by your Independent Insurance Agent, you save 10%.

Course graduates qualify for auto insurance discounts up to 10%.

Some of the top, A rated Massachusetts Insurance Companies that have partnered with In Control include:

• The Travelers of Massachusetts
• Safety Insurance
• Commerce
• The Hanover
• Plymouth Rock
• Norfolk & Dedham
• Quincy Mutual