Save Money on Massachusetts Auto Insurance

 

Save Money on Auto Insurance

 

 

 

 

 

Save Money on Auto Insurance. Auto insurance rates, along with just about everything, have gone crazy. We pay auto insurance premiums too. We feel your pain. We are also in a position to do something about it.

www.MassAutoQuote.com markets with nine auto insurance companies in Massachusetts to shop your insurance for the best coverage and lowest premiums.

We offer our Money Saving Tips for Massachusetts Auto Insurance:

  • Driving record – Maintain a good driving record by avoiding accidents and violations for a period of time.
  • Discounts – Ask us about discounts you may qualify for, such as low mileage, good student or support policy discounts.
  • Payment options – Some companies offer discounts for paying for your insurance in full at renewal or signing up for auto pay.
  • Increase your deductibles – Increasing your deductibles will save you money. Sometimes a lot of money.
  • Compare quotes- Ask us to shop your coverage with our numerous carriers and have us make coverage recommendations.
  • Utilize the strength of an independent insurance agency – MassAutoQuote.com, powered by Johnson & Rohan Insurance has decades of experience. We find the best markets, premiums and coverage options. We advise and advocate.

 

Massachusetts Auto Insurance Discounts for Students

Massachusetts Auto Insurance Discounts for Students

 

 

 

 

Did you know that insurance companies offer auto insurance discounts for students?

Companies offer a “good student” discount for children on the auto policy with a B or better grade point average.

In addition, most offer an “away at school” discount for students that go away to school (over 100 miles from home) and do not have a vehicle with them.

Other discounts available for new drivers is a credit for completing a “driver’s training” (driver’s education).

Please give us a call to review your auto insurance.

Massachusetts First Time Drivers

steps to get license graphic

Parents/Guardians: is your child looking to get their learner’s permit? Check out the Massachusetts RMV’s dedicated page for first time drivers:

https://www.mass.gov/guides/first-time-driver-start-here

Get information regarding:

  • Steps to Get Your Driver’s License
  • Parent/Guardian Information
  • Safe Driving Tips
  • Did you study for your learner’s permit or road test?
  • Time to take your Permit!
  • You Just Took Your Permit Exam

Junior Operator Requirements

Any driver 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. For more information on permit and license restrictions for junior operators, click here.

The Junior Operator Law and the Safe Driver Law impose penalties for certain violations issued to junior operators. For a complete list of Junior Operator violations, click here.

Collision Coverage – If Hit by a Stolen Vehicle

About Our Agency - Amazônia Insurance Agency

 

I read an interesting article in the recent MassAgent newsletter from the Massachusetts Association of Insurance Agents:

Question of the Week

Collision Coverage – If Hit by a Stolen Vehicle

Question: We had a prospect come into our office to insure his car. He said recently his car was hit while parked by a car that was stolen and involved in a police chase. He has collision, but when he made his claim through GEICO (former carrier), he was told it was not covered as it was a stolen car and a police chase. Now, I know that GEICO would probably have no one to subrogate against, but I believe as long as he paid a premium to have collision coverage, it should be covered less the deductible. I’ve been an agent for many years, but am I missing a caveat that denies coverage in this circumstance? If so, it’s a new one. Thanks.

Answer

Kathy Cormier: If your customer has first-party coverage (collision), they should be able to collect from their policy. I looked at GEICO’s policy, and they have a modified version of the MAP 2008:  https://massagent.com/wp-content/uploads/2023/01/gecc129849942.pdf. There was nothing that I saw saying they couldn’t collect under collision if damaged by a stolen vehicle. I’m including Irene Morrill, VP of Technical Affairs.

Irene Morrill: And that’s why people shouldn’t be insured with GEICO…they have no one to fight for them. I didn’t see any exclusion for “hit by a stolen vehicle” in the GEICO policy.

The person whose car was stolen is not legally responsible for the actions of the stolen vehicle – if the thief was caught…then the thief would be legally responsible for the damages, but if one buys Part 7 -it doesn’t matter.

I’d tell the client to make an insurance complaint…and say to the company that they are doing so…with the MA DOI – perhaps that will make the company decide to pay.

Filing an Insurance Complaint in Massachusetts

*This document is not a legal opinion and should not be relied upon as such. This document intends to provide a general background regarding the topic or topics discussed, not to provide legal advice. Producers and agencies should consult an attorney regarding specific situations and questions concerning the topic or topics covered in this document. Neither the Massachusetts Association of Insurance Agents, Number One Insurance Agency, nor any of its employees shall be responsible for any errors or omissions regarding any statements made in this document, nor any errors or omissions regarding any statutes, regulations, court rules, and/or any other government documents cited in this document.

MASSACHUSETTS RMV CONTACT INFORMATION

 

Below is Massachusetts RMV contact information for RMV issues that may help you if you need immediate assistance:

if you have RMV questions or have technical issues.

  • for a manual and other information click on: https://atlas.massrmv.com/IPMProgram.aspx.  If the user clicks on Training and Support, they will get to the “IPM eServices Reference Guide for Insurance Industry Users”
  • Have a Payment Link Resent/Issue:
  • Email RMVRegDropoff@state.ma.us Include:
  • Drop Off Date:
    • RMV Drop Off Location:
    • Name of Runner Service (if applicable):
    • Name of your agency/business:
  • VIN #(s):
  • Email address for payment:

 

  • Special Plate Department – 857-368-8031

for issues with duplicate/replacement plates

to find out about a tin plate not received in mail

to order special plates.

  • Section 5 Department – 857-368-8030
  1. Dealer, Repair, Owner Contractor, Transporter or Farm Plates
  2. Question regarding these plate types
  3. Questions on Renewals
  1. Contact the IRP department with Apportioned plate Questions
  2. Contact regarding Apportioned Renewals
  • Out of State Citations Department – 857-368-8200
  1. Customers can now clear online OOS Reciprocal Suspensions

This form can be used by NON-EVR Agents for correction.

  • Consumers that use the Drop Off Center that have not received a payment link or call to pick up work can send an email here:  RMVRegDropoff@state.ma.us

They need to include:

Their Name

Branch Location

Date of Drop Off

Transaction Type

Email Address

If you are locked out you can call security to be reset

If you have a customer that wants to file a complaint for privacy violations, they can call security.

  • Title Department – 857-368-8050

If you have a customer that is showing a title has not been mailed, is under review or exam, you can contact titles to see if the title can be sent.  Make sure that the mailing address is correct in the customer ATLAS account.

  • MAIA Registry Procedures Manual

You may also want to consider using the RPM that is key word searchable for your RMV questions.  Here is a link to the MAIA RPM:   https://massagent.com/MassAgentSite/Agency-Tools/AgencyTools/Registry-Procedures-Manual.aspx

  • Registration and Title Application Instruction Guide

Here is a guide on what sections of the RTA to complete for the transaction being processed:  https://www.mass.gov/doc/registration-and-title-application-instruction-guide/download

  • Massachusetts Department of Revenue 800-392-6089

If you need information on sales tax values

If you need to determine the amounts of Penalties and Interest on motor vehicle sales tax.

For any questions:  MRB-DL-FTP@dot.state.ma.us  .

Moving to Massachusetts

Moving to Massachusetts
Moving to Massachusetts? Welcome!

A few “fun facts” about Massachusetts:

  • Nickname:  The Bay State
  • State Bird: Black-Capped Chickadee
  • State Tree: American Elm

A couple “not so” fun facts:

  • Massachusetts has the highest accident rate in the nation.
  • Massachusetts has the 4th highest auto insurance rates in the nation.
Massachusetts Auto Insurance

MassAutoQuote can help you find competitive auto insurance and assist you with the Massachusetts Registry of Motor Vehicles.

It’s important to have an independent agent shopping rates and coverage with numerous companies in order to find the best rates.

By design,  insurance companies have complicated, multi-tiered rating systems. In order to get the best rates, your professional, licensed broker knows which factors to apply for each company.

The dreaded: Registry of Motor Vehicles

Auto insurance and Registration (& Title) go “hand in hand” in Massachusetts. You cannot have one without the other. Massachusetts does not have insurance cards as proof of insurance. Instead you have your vehicle’s Registration. Your Registration is your proof of insurance.

Massachusetts is a “Title state”, meaning that, in order to get your vehicle registered you must also get the vehicle titled in Massachusetts.

In order to get your new, Massachusetts Plates you will need to get paperwork from your insurance agent or company.

We  will have you sign an auto insurance application, and provide you with an insurance stamped, RTA Form.

Our Registry of Motor Vehicles service is complimentary (free) for our clients.

If you are new to the state with out of state registration, the Registry will look for your original title and a total of $86 ($50 for your new MA title & $36 for your new, MA plates/registration).

If a bank/lienholder has the title to your vehicle then, perhaps, a memorandum title can be issued. If so, the Registry will require a copy of your existing Registration and, if owned less than 6 months, proof of sales tax paid.

We recommend that you get a Massachusetts auto insurance quote through our website. Once you like the premium and coverage options that we show you, we will assist you with all aspects of Massachusetts insurance!

Massachusetts Excise Tax Information

 

In an attempt to de-mystify the annual, pesky excise tax we offer the following excise tax information:

Excise bills are prepared by the RMV according to information on the registration. They are sent to city/town assessors who commit them to local tax collectors for distribution.

The excise tax rate is $25 per $1,000 of valuation (NADA) subject to the following percentage formula:

In the model year: 90%; second year: 60%; third year: 40%; fourth year: 25%; fifth year & beyond: 10%.

If you have turned in your plates on the vehicle you are getting excise taxed on, or if you have transferred plates and got rid of the vehicle, you may be eligible for abatement . Abatement instructions are located on your excise tax bill.

Driving Tip: The Three Second Rule

The American Driver and Traffic Safety Education Association suggests using the three second rule driving tip 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 driving tip:

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.

If you’re looking for Massachusetts auto insurance, call, click or stop by. MassAutoQuote (powered by Johnson & Rohan Insurance) will save you money, improve your coverage and give you the best service you can find.

MA Inspection Sticker Exemptions?

MA Inspection Sticker Exemptions

Are you out of state with an expired Massachusetts vehicle inspection sticker? Wondering if there are any MA Inspection Sticker Exemptions?

Unfortunately, the Massachusetts Vehicle Check program tells:

There are no exemptions, but the vehicle owner can fill out an Out of State verification form found on our website mavehiclecheck.com under motorist resources, forms. This will notify the MA RMV that the owner is out of the state and cannot have the vehicle inspected at this time.

Thanks to our partners at Johnson & Rohan Insurance for this information.

 

Collector Car Insurance

 

Do you own a vintage auto?  If you own a car at least 25 years old, or that might be collectible in nature, MassAutoQuote may be able to insure it through the specialty market- great coverage at a fraction of the price.

We have two great Collector Car Insurance markets:

Grundy invented the agreed value classic car insurance policy in 1947 and are a true leader in the market- insure your classic with “The Olde Original.”

Hagerty Insurance is another established leader in classic car insurance- between the two, let us put together a customized quote from a single car to major collection.

What is your car worth? Find out by clicking: here.

https://www.hagerty.com/valuation-tools/make