MassAutoQuote COVID-19

Governor Baker mandated that all non-essential businesses in Massachusetts shut down. Insurance agencies are considered essential services, so we are staying open.

During this unprecedented crisis, our Agency is working remotely, responding to e-mails and faxes and answering our phones.

MassAutoQuote is closed to walk-in service.

This is to protect our clients, as well as ourselves from the spread of this hideous virus.

If you need us: we’re here for you. Give us a call or send us an e-mail.

Most of all however, let’s take care of one another and stay healthy.

Sincerely,

Your Friends at MassAutoQuote.

Read the documents:

Driving Tip of the Day: The 3 Second Rule

The 3 Second Rule

 

 

 

 

Driving Tip of the Day: The 3 Second Rule. 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.

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.

For additional driving tips: click here.

For tips to save money on auto insurance: click here.

Massachusetts auto quote comparison

Massachusetts auto quote comparisonAre you looking for a Massachusetts auto insurance quote comparison? Let’s face it, auto insurance is a big expense. According to the Independent Agent Association, the average annual cost of Massachusetts auto insurance is $1,460.00.

Rates vary wildly depending on what kind of coverage you carry, what town you live in, what kind of car you drive and what your driving record looks like.

If you’re looking for a Massachusetts auto quote comparison, you’ve come to the right place.

Powered by Independent Agents, MassAutoQuote has been quoting auto insurance online since 1999. That was last century folks.

When it comes to Massachusetts auto insurance, we know what we’re doing.

Insurance companies have different appetites for business. Some offer ridiculously huge discounts if you have an apartment, home or condo insurance. Others have discounts if you’re a doctor, lawyer or graduate of a specific college or university. Still more might have an appetite for drivers with a few speeding tickets, or newer drivers.

Get a Massachusetts auto quote comparison from MassAutoQuote.

Our insurance agents live in Massachusetts. We pay our excise taxes and our insurance bills. We feel your pain.

To get you the most competitive quote, just give us your Massachusetts driver’s license number, town you live in, and year, make & model. We’ll be off and running.

We’ll shop your auto insurance with 7 companies and give you a side by side quote comparison.

Call, click or stop by.

 

Driving Tip of the Day

Driving Tip of the Day

Driving Tip of the Day. 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.

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.

For additional driving tips: click here.

Massachusetts Inspection Sticker Blues

Massachusetts Inspection Sticker

Do you have the Massachusetts Inspection Sticker Blues?

The cruelest of all surcharge points, from a Massachusetts auto insurance perspective, is the one for an ”expired inspection sticker” citation.

Don’t let your MA inspection sticker lapse.

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 Division 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! If you have/ had a perfect driving record, that can amount to about a 20% increase (!!) the first three years, diminishing the following three.

So here’s your warning:
  • Check your windshield and Don’t let  your MA inspection sticker lapse!

MA Inspection Station information and locator link: Click Here.

If you already received your ticket, we recommend appealing the citation. It might be a long shot, but if you succeed, it will save you years of citations.

Need help with your Massachusetts auto insurance? Click Here.

Massachusetts Hands-Free Distracted Driving Law

Massachusetts Hands-Free Distracted Driving Law

Hands-Free Electronics While Driving – It’s the Law

The new Massachusetts hands-free distracted driving law takes effect on Sunday, February 23.

This law is a significant change for drivers 18 and over and traffic enforcement as well. The new law (Chapter 122 of the Acts of 2019) prohibits operators of motor vehicles from using any mobile electronic device, including a cell phone, unless the device is used in hands-free mode.

Drivers 18 and over are:

  • Not permitted to hold or support any electronic device
  • Only permitted to touch devices to activate the hands-free mode, and can only enable when the device is installed or properly mounted to the windshield, dashboard, or center console
  • Not permitted to read or view text, images, or video displayed on a mobile electronic device; however, a driver may view a map generated by a navigation system or application on a mobile electronic device that is properly mounted

Drivers under 18 are not allowed to use any electronic devices. All device/phone use while driving is illegal, including use in hands-free mode.

Penalties for Violating the Hands-Free Law

  • 1st offense – $100 fine
  • 2nd offense – $250 fine, plus mandatory completion of a distracted driving educational program
  • 3rd and subsequent offenses – $500 fine, plus insurance surcharge and mandatory completion of distracted driving educational program

Operators may use a cell phone to call 911 to report an emergency. If possible, the operator should safely pull over and stop before calling 911.

More Info
Please visit our website for more details. We’ve also included a link to an informational brochure below, that we ask you to review, post, and share with your customers and colleagues.

Questions About Massachusetts Hands-Free Distracted Driving Law?
Contact us at RMVATLASSupport@dot.state.ma.us with any questions you may have.

Questions about your Massachusetts Auto Insurance?                                             Contact us at: MassAutoQuote.

Commercial Auto Insurance

Commercial Auto Insurance

 

 

 

Are you the owner of a small business? Are you paying too much for your commercial auto insurance? We think so too.

MassAutoQuote.com is fueled by the shopping power of the independent agent.

We shop with top Massachusetts commercial auto insurance carriers such as: Safety Insurance, Progressive and The Travelers.

Auto rates for businesses are all over the map. Companies appetites change from year to year depending on results and appetite for new business. If you haven’t shopped your commercial auto insurance in over 3 years, you owe it to your business to let us shop it right now.

Take a few minutes and submit an quote request.

You’ll be glad you did.

We also offer the most competitive businessowner, workers compensation and professional liability coverage.

When requesting a commercial auto quote from us we will be looking for: year, make & model of vehicle(s), names & dates of birth of all drivers.

We will have multiple commercial auto carriers compete against one another to find you the best rates.

Johnson & Rohan Insurance: We love small business owners because we are small business owners.

Parents Supervised Driving Program

@safetyinsurance and @MassAutoQuote are proud to sponsor The Parents Supervised Driving Program in Massachusetts and New Hampshire. The program contains information and lessons on driving basics, parental pointers, and licensing qualifications that are helpful to parents of new drivers. https://bit.ly/2N8gUdN #ManageLifesStorms

Auto Insurance Rates

Auto Insurance rates

Auto insurance rates, to put it bluntly, are all over the map.

Let’s clarify: I am a Massachusetts auto insurance agent. I have been for over 25 years. Same office. In 1994 the auto insurance rates landscape was very different.

There was one, state-set, rate.

That’s right folks. You read that right: there was one, state-set, rate. There was no competitive rating.

How did we get that way? Massachusetts didn’t, couldn’t trust the insurance companies to charge an honest rate. The citizens of The Commonwealth were taking a flogging. The state set the rate in order to protect the consumer.

Companies then had to figure out how to make a profit. And they did.

Thankfully (I think), 2008 came around and Massachusetts welcomed competitive auto insurance rating.

Our independent insurance Agency rates with 7 auto insurance companies.

Within these companies, we find auto insurance rates all over the map, from year to year.

So, you ask, why the article about auto insurance rates?

It’s because it’s important to have your agent shop your insurance from year to year.

Agencies don’t like to do it. More work, less money. However, I suggest — as an insurance agent — we must do it.

Our Agency lives by the philosophy of do what’s right for the client.

I spend some of my work time contacting clients about unpleasant insurance things like rate hikes, cancellations or claims.

People want to talk to their insurance agent like they want to talk to their dentist.

However, when I call a client to explain we can save them money on their renewal by transferring coverage to another company, it becomes a jubilant phone call.

They picked up the phone and someone saved them money.

The client is always happy. So am I.

Call, click or stop by.

Massachusetts Auto Insurance in Florida

Massachusetts Auto Insurance in Florida

Are you lucky enough to spend the month of March in Naples, FLA? Have you thought about your Massachusetts Auto insurance in Florida?

Before relaxing on a long vacation, there are many things to think about: airline tickets, hotel reservations, and car rental … but what about your auto insurance coverage?

Massachusetts Auto Insurance in Florida

If you have your own MA personal auto insurance policy then your coverage will follow you in the United States, U.S. Territories, Puerto Rico, and Canada.

If you travel to Bermuda, Europe, Mexico or other international destinations, you MA personal auto insurance coverage will NOT follow you and you will want to purchase coverage from the rental company.

In Massachusetts, our Registrations ARE proof of insurance. Generally, we don’t carry insurance cards like most of the rest of the nation.

Instead, if pulled over in Massachusetts, it’s: “License & registration.”

However, many of our MassAutoQuote snowbird clients, are now looking for proof of Massachusetts coverage when they rent a vehicle in Florida.

Do yourself a favor and contact your insurance agent before you travel and request a Massachusetts Auto Insurance card as proof of coverage. Also request a copy of your Massachusetts Auto Insurance Coverage Selections Page.

Call, click MassAutoQuote if your want the best coverage, service and value.