MA auto insurance quote

Your MA independent auto insurance agent will shop for the best rates, with the best companies. Your independent agent shops for discounts that are available to you. Your agent will review all your insurance products and package them together to find you the best rates.

Insurance companies are all vying for MA auto insurance market shares.

Some national insurers have eliminated the independent insurance agent. Some have embraced the agent. Some have tried to do both.

Why is a MA Independent Agent important?

Your Agent is important because they write many lines of insurance with many different companies. They represent more than just one company.

Do you pay extra for a MA Independent Auto Insurance Agent?

No. Your independent agent will shop for the best rates, with the best companies. Your independent agent shops for discounts that are available to you. Your agent will review all your insurance products and package them together to find you the best rates.

Massachusetts Home Insurance

This web log was created specifically for our MA auto insurance quoting website. In addition to MA auto insurance, our independent insurance agency writes MA home insurance, life insurance,  property insurance, business insurance, workers compensation insurance, health and disability insurance.

In order to get the best rates it is important to package your home & auto insurance with the same company. We will help review, compare and shop your coverage with numerous, A rated companies.

Request a quote online or call us at:  781-246-8699

Massachusetts Residents Disaster Assistance

For MA homeowners, renters and business owners in the Counties of Essex, Middlesex, Norfolk, Suffolk, Bristol, Plymouth and Worcester who were affected by flooding beginning March 12, 2010

Apply by phone:

800-621-3362

(TTY 800-462-7585 FOR THE HEARING – OR SPEECH IMPAIRED)

Apply online:

http://www.disasterassistance.gov

Please have the following information available when you call:

  • A phone number in case we need to call you back
  • Social Security number
  • Current mailing address
  • Address of damaged property
  • Brief description of the damages
  • Insurance information (if you have insurance)

Disaster recovery assistance is available without regard to race, color, sex, religion, national origin, age, diability or economic status.

MA Managed Competition underbelly

Another part of the dank underbelly of MA auto insurance “managed competition” is companies now require, for cancelled policies, 100% of annual premium to be “paid in full” before rewriting. This requirement is often unrealistic for those that have had payment problems.

It is this MA insurance agency owner’s belief that MA auto insurance “managed competition” has been a good thing for most MA auto insurance consumers.

However, there is a dark & dank underbelly.

There was a reason Massachusetts moved to government regulated insurance rates under Mike Dukakis. Urban rates were dramatically higher than suburban rates.

Companies are now free to charge whatever they want for rates for, just about, any reason.

Our insurance agency does a ton of auto insurance rating, and we are starting to see large urban area rate increases and big differences between what different companies are charging for rates in different territories.

Another part of the dank underbelly of MA auto insurance “managed competition” is companies now require, for cancelled policies, 100% of annual premium to be “paid in full” before rewriting.

This requirement is often unrealistic for those that have had payment problems.

Still, for most MA auto insurance consumers “managed competition” has brought with it: more choices, lower rates & improved insurance programs.

MA Auto Insurance: Wild West?

Someone recently asked for an example of our MA Auto Insurance: Wild West analogy &, this morning I ran into a perfect MA auto insurance rating example.

Longtime client has an old (99) Honda Accord with, almost, 200,000 miles on it. She lives in Dorchester & carries mimimum-type liability limits ($20,000 per person/$40,000 per accident parts 3, 5 & 12; $100,000 Part 4; No Collision & No Comprehensive Coverage). Not to name names (Travelers) was charging her $1,019 for her June 2, 2010 auto insurance renewal.

We re-rated her with six MA auto insurance companies and one (Vermont Mutual), offers identical coverage at an annual premium of: $576.

$576 vs $1,019!

This is a, not so subtle, reminder to auto insurance consumers & agents in the Commonwealth of Massachusetts: Shop Your Coverage!

MA Auto Insurance – Tips to Save Money (cont.)

We’ve said it once, twice, maybe three times:

Package your MA auto insurance with the same company that carries your home, condominium or apartment insurance.

Have us shop your home insurance with auto insurance in mind.

Don’t have apartment insurance?

You should. It’s inexpensive & provides “personal property” coverage (coverage for your stuff) &, maybe more important, “personal liability” coverage. Personal Liability coverage provides lawsuit protection on & off apartment premise. (Motor vehicle liability excluded.)

MA Auto Insurance: The Wild West

Growing up in the 70’s I was addicted to Bonanza, The Big Valley & The Lone Ranger. I fancied myself a cowboy. A Massachusetts cowboy. Completing my front nine, 43 years later, Idid not become a cowboy. Instead, I became something better: an independent Massachusetts insurance agency owner!

Growing up in the 70’s I was addicted to Bonanza, The Big Valley & The Lone Ranger. I fancied myself a cowboy. A Massachusetts cowboy.

Completing my front nine, 43 years later, Idid not become a cowboy.

Instead, I became something better: a Massachusetts independent insurance agency owner!

Two years ago “managed competion” auto insurance entered the state of Massachusetts. It’s been just like the Wild West of my childhood imagination.

First, companies gave out appointments to agencies. Next, they lowered rates & offered additional discounts & broader insurance programs. More companies entered the state including: Allstate, Progressive & Geico.

Companies lowered their rates & offered additional discount & insurance programs.

As an independent agent, writing with many different companies, competition allows us to flex our rating muscles — or quick draw our six shooter.

MA Auto Insurance Programs:

Prior to April, 2008 MA auto insurance consumers had very few insurance programs to choose from. MA “Managed Competition” auto insurance (deregulation) entered the state, along with additional companies, and — all of a sudden –, programs long enjoyed by the rest of the country, are now available here in Massachusetts.

For example:  Vermont Mutual Insurance Company offers an “advantage” endorsement. For $35 this endorsement includes (among other things): accident forgiveness, disappearing deductible, auto loan/ lease gap coverage, & enhanced substitute transportation coverage.

For qualifying new business what this means is, if you have 4 points on your license due to an at-fault accident, you can pay $35 for the advantage endorsement and Vermont Mutual will rate you with no surchage points: saving you big money.

If you are already insured with Vermont Mutual, you can add the endorsement & if you are in an at-fault accident, at renewal time, Vermont Mutual will not charge you for the surcharge points.

The endorsement, to this MA independent insurance agent, seems like a real bargain.

We can all thank MA Managed Competetion Auto Insurance.

MA Inspection Sticker Blues

MA Inspection Sticker Violation: The 2 point surcharge is the same as the surcharge for a speeding ticket or other moving violation!

Quoting auto insurance in MA – The most frustrating thing we see is a ticket for not having an inspection sticker. The violation is the cost of the ticket and a surcharge on your driving record for 6 years. The 2 pointo surcharge is the same as the surcharge for a speeding ticket or other moving violation.

Following please find a link for:

Massachusetts Inspection Stations

Take a look at your MASS Veheicle Inspection Sticker — Don’t let it lapse!

Homestead Act

The Homestead Act is designed to allow homeowners in Massachusetts to protect their primary residence against sebsequent attachment, levy or sale to satifsy debts up to $500,000. The Homestead Law does not protect against: taxes or mortgages used to purchase the residence. Homeowners must file for the Homestead Act with The Registry of Deeds office in the county in which the residence is located.

Massachusetts charges a one time Filing Fee of $35 for a Declaration of Homestead.

Click for:  Declaration of Homestead Form (pdf)

Registry of Deeds Links:

Registry of Deeds Offices:

District/County:

Located in:
Barnstable Barnstable
Northern Berkshire Adams
Middle Berkshire Pittsfield
Southern Berkshire Great Barrington
Northern Bristol Taunton
Southern Bristol New Bedford
Fall River Bristol Fall River
Dukes Edgartown
Northern Essex Lawrence
Southern Essex Salem
Franklin Greenfield

The Homestead Act
Questions & Answers

La Ley de Protección de Hogar Seguro
Preguntas y Respuestas

City/Town to Registry Guide

    

District/County:

Located in:
Hampden Springfield
Hampshire Northampton
Northern Middlesex Lowell
Southern Middlesex Cambridge
Nantucket Nantucket
Norfolk Dedham
Plymouth Plymouth
Suffolk Boston
Northern Worcester Fitchburg
Worcester Worcester

Massachusetts Deed
Indexing Standards (PDF, 276 kb)

Massachusetts Document
Formatting Standards,
Effective January 1, 2008 (PDF, 12 kb)