We believe in the power of the independent insurance agent. Why? Because we’ve seen it. In fact, we’ve lived it. For 25 years we’ve been opening the door, selling insurance and servicing clients. For these reasons, believe us when we tell you: Take Advantage of our Auto Insurance Renewal Review.
If nothing else, after we’ve sunk our proverbial teeth into your auto insurance, we’ll make coverage suggestions and, most likely, save you a ton of money.
How do we do it? Is it magic? No, it’s better than magic. It’s called: Markets.
With markets comes choices. With choices comes pricing.
These days, in Massachusetts, auto insurance companies’ rates are all over the place. Gone are the days of the “State-set” rates.
It’s the new Wild West and it’s why it’s so important to get your auto insurance renewal review.
Just send us over a copy of your auto insurance coverage pages and let us get to work.
Who has the lowest price Massachusetts Auto insurance?
As a Massachusetts auto insurance broker I often get asked the question: Who has the lowest price for auto insurance?
I start to answer, stutter and start to answer again.
“It depends …” and I begin the long, exotic tale about Massachusetts auto insurance.
There once was a time, eons ago, when all companies had the same price for auto insurance as dictated by The Mighty: MA Auto Insurance Commissioner.
Wide-eyed, my listeners’ attention captivated, I continue:
There was one company, however, that offered the Holy Grail of auto discounts: The 5% AAA – auto club discount. That company was: Commerce. Commerce was The King.
Then, in 2008 “managed competition,” competitive rating, auto insurance rode into Massachusetts on a white horse followed, in 2012, by a scurrying green lizard.
Commerce Insurance morphed into MAPFRE and waved their 33% Massachusetts auto market share adios.
MA auto insurance market shares as of 3rd quarter 2018:
COMPANY NAME
EXPOSURES
MARKET SHARE
1. COMMERCE/MAPFRE
820,108
24.93%
2. GEICO
379,599
11.54%
3. SAFETY
305,338
9.28%
4. LIBERTY MUTUAL
301,843
9.18%
5. ARBELLA
266,642
8.11%
6. PLYMOUTH ROCK
196,877
5.99%
7. PROGRESSIVE
139,309
4.24%
8. METROPOLITAN
116,980
3.56%
9. TRAVELERS OF MA
112,878
3.43%
10. AMICA MUTUAL
110,692
3.37%
11. HANOVER
104,353
3.17%
12. USAA
100,431
3.05%
13. QUINCY MUTUAL
57,196
1.74%
14. ALLSTATE
46,581
1.42%
15. NORFOLK AND DEDHAM MUTUAL
38,788
1.18%
16. VERMONT MUTUAL
38,033
1.16%
17. NATIONAL GRANGE
36,592
1.11%
18. PREFERRED MUTUAL
19,668
0.60%
19. OCCIDENTAL INS
16,387
0.50%
20. STATE FARM
14,583
0.44%
22. INTEGON
11,335
0.34%
23. GREEN MOUNTAIN
9,096
0.28%
24. IDS
8,240
0.25%
25. ELECTRIC
7,999
0.24%
26. BANKERS STANDARD
7,980
0.24%
27. ESURANCE
6,580
0.20%
29. PURE
5,205
0.16%
30. AMERICAN INTERNATIONAL
2,467
0.08%
31. HARLEYSVILLE WORCESTER
1,754
0.05%
31. ENCOMPASS
4
0.00%
Basically, the 11 point something Commerce/MAPFRE has lost has gone to Geico. (This, of course, is an over-simplification. They, and others, have taken business from others.)
But this, of course, as is everything, is just the beginning of our story.
Who has the lowest price for Massachusetts auto insurance?
In 2008 our growing independent agency took on new company appointments (including Progressive).
America changed the way we shop for everything, including auto insurance. We flocked to the internet. We compared prices, we compared coverage, we compared companies.
Companies changed the way they price their products.
One company marketing representative expressed delight when he declared their auto rates had an infinite amount of price points. Their price went infinitely out of site as their MA market share dwindled.
Insurance Companies each charted out their course and defined who and what their target market would be.
Often companies targeted the same market and a premium, blood-bath of consumer savings ensued. In fact, it could be argued, continues today.
Which leads me to, and in conclusion, who has the lowest price for auto insurance in Massachusetts?
Well, it’s settled. You’re moving to Massachusetts!
Let us be one of the first to welcome you.
Massachusetts is a great State. From our beaches, to our mountains, our cities, our colleges, universities, hospitals, and our storied history. We’ve got it all!
Then it dawns on you, what about auto insurance?
Here’s the big thing:
In order to insure your vehicles you have to sign an application and get your vehicles Registered and Titled.
How can I get my vehicle registered and insured in Massachusetts?
Step 1 –Find your auto insurance policy.
We can help.
Find coverage and premium you’re comfortable with. We will shop numerous companies for you.
We’ve been quoting Massachusetts auto insurance online since 1999 (that’s longer than Geico’s been quoting here).
By getting a MA auto insurance quote from us, you utilize the shopping power of the Massachusetts independent insurance agent.
We’ll quote you with numerous companies and offer you the best rates and coverage options.
Step 2 – Get your vehicle registered.
In Massachusetts insurance and registration go “hand-in-hand.”
You can’t have one without the other.
Once you have found the auto insurance coverage and premium you are comfortable with, will put together a Registry of Motor Vehicles Form 1 (RMV-1) with an insurance stamp.
Note: Massachusetts is a “Title state,” in order to get new MA plates you have to turn in your prior, out-of-state title, and get a new MA title.
Your MA driving record is determined by things such as: years licensed, at-fault accidents, violations, citations, and suspensions.
(Remember: You must obtain annual vehicle inspection sticker within seven (7) days of your vehicle’s registration date.)
So, although moving to Massachusetts is a big move, hopefully, MassAutoQuote will be able to make it a little easier.
We’ll find you the best best auto insurance and help you get your vehicle registered.
Moving to Massachusetts? Call or click us to get your free, no-obligation Massachusetts Auto Insurance Quote.
Over the course of this nasty winter did you have a weather related, at-fault accident? Were you found “at-fault?”
Did you receive a surcharge notice for this slide & slide?
If so, this means the insurance company found you more than 50% at-fault and paid out more than $500 in damages.
Less than $2,000 in damages results in a 3 point (minor accident) surcharge, more than $2,000 results in a 4 point (major accident) surcharge.
If you believe you were not more than 50% at-fault in the accident, then we recommend you appeal the surcharge.
Unlike insurance companies, the Board of Appeal takes into account contributing factors, such as: road condition (icy, wet, snow-covered), visibility, other vehicle erratic driving, etc.
The Board of Appeal tells us it is presently taking about 9 months before consumers receive the hearing date. The cost to appeal is a non-refundable $50.
Once the hearing date is received you can: appear in person, submit a written statement, or select someone to appear on your behalf.
property owned by a person or company, regarded as having value and available to meet debts, commitments, or legacies.
Example: “The claimant received all of his assets because he did not carry enough liability coverage.”
Let’s face it: auto insurance should protect your assets. Your greatest threat of a liability lawsuit is when you’re driving your vehicle.
On the Massachusetts auto insurance policy the coverage that best protects you from potential law suit is your Part 5, Optional Bodily Injury to Others, coverage.
Do you know what you carry for your Part 5 coverage?
As an aside, we believe your Parts 3 & 12, Uninsured & Underinsured Motorist Coverage, should match your Part 5 coverage.
In addition to $250,000 per person/$500,000 per accident limits, we recommend you carry personal liability umbrella coverage.
At your convenience, give us a call, click or visit to discuss.
Tips to make sure you are getting the best auto rates:
It’s important to shop around and look for every discount available.
The first place to start when looking for the best auto premium is by packaging your auto insurance with the same company as your home insurance.
If you don’t own a home or condominium, it might be time to purchase apartment insurance coverage. If not for the only reason of taking advantage of an auto insurer’s “account discount.”
Other discounts to consider:
Did you drive less than 10,000 miles over the past 12 months?
Are you a good driver? Have you had any at-fault accidents or moving violations over the past 6 years?
Do you pay your bills in full?
Do you receive your bills and documents by e-mail?
Did you recently get married? Do you have the same company as your spouse?
Are any of your kids good students? Do they have a “B” or better average?
Plows are breaking out in every community. Our phone rings and our client on the other end has questions about plowing and plates or plowing and insurance or both.
Here’s the skinny: Massachusetts law is clear on the point that if you plow for hire, you need Commercial plates.
Personal passenger plates are acceptable only if you plow your own driveway, or if say you plow a relatives driveway but do not get paid. Even still, a police office might write a ticket to a vehicle plowing with Private passenger plates- such a ticket would need to be appealed.
Insurance and plowing is a little more complicated.
Insurance carriers have different appetites for vehicles used for plowing. We work with some that will not write plows of any kind, others that will write only vehicles used for residential plowing and others that allow plowing without restriction.
Please call if you plow and we can review your specific situation to ensure you have the right coverage and plates.
