Massachusetts Auto Insurance Quotes

Massachusetts Auto Insurance Quotes

When shopping for Massachusetts auto insurance quotes, remember:

  • All quotes are not created equal.

Have your existing Coverage Selections Page in front of you. Make sure you are getting an “apples to apples” MA auto insurance quote comparison.

In this humble, MA independent insurance agent’s opinion, the most important coverage on the MA auto policy is your Part 5, Optional Bodily Injury to Others coverage. This is, essentially, your law-suit coverage.

We recommend you carry, at least, limits of $100,000 per person/ $300,000 per accident limits. We also recommend you match your Parts 3 & 12 (protects you & occupants from Uninsured & Underinsured Motorist Coverage).

  • Get quotes for improved liability limits.

If you carry liability limits of less than $100,000 per person/ $300,000 per accident (Parts 3, 5 & 12 on the MA auto insurance policy), have your insurance agent quote you improved coverage. You might be surprised how affordable better limits are. Limits of $250,000 per person/ $500,000 per accident are available and we recommend you:

  • Consider Personal Liability Umbrella coverage.

Personal Liability Umbrella coverage “sits-over” your auto and home liability limits. Coverage limits are from $1,000,000 – $5,000,000. Companies require underlying auto insurance limits of $250,000 per person/ $500,000 per accident.

  •   Does your auto insurance coverage include “accident forgiveness” and “disappearing deductible?”

When getting Massachusetts Auto Insurance Quotes check to see if their quote includes  the valuable “accident forgiveness” and “disappearing deductible” features. Make sure your coverage includes these endorsements. Note: most MA insurance companies will offer these endorsements if you are an experienced driver (6+ years) with an excellent driving record (in MA: step “99” or “98” drivers).

  • Have you packaged your MA auto insurance with your home, condominium, or apartment insurance?

If not, make certain your MA insurance agent packages your auto with your home insurance company. It is the only way to ensure you are getting the best premiums. If you have packaged your products, and you are considering moving your auto only to another insurer: beware! You will, most likely, lose the large account discount on your home insurance.  When shopping for your Massachusetts Auto Insurance Quotes, shop your auto and home insurance at the same time!.

  • Call or click for your free, no-obligation MA auto insurance quote.

Happy New Year Massachusetts!

Happy New Year from MassAutoQuote

Massautoquote.com celebrates our 16th year providing free, no obligation Massachusetts auto insurance quotes.

Some popular New Year’s resolutions include:

  • Get in Shape
  • Lose Weight
  • Quit
  • Spend More Time with Family & Friends
  • Smoking
  • Enjoy Life More
  • Quit Drinking
  • Get Out of Debt
  • Try Something New
  • Help Others

To this list, we recommend Massachusetts residents add: compare your insurance!

The biggest problem we see is:

Not enough coverage.

There has never been a better time to shop and compare different companies premium and coverage programs.

Click, call, fax or e-mail a copy of your auto insurance coverage page … we’d love to take a look.

MA Auto Insurance Companies

Partial list Massachusetts Auto Insurance Companies, websites, telephone number & address:

MA Auto Insurance Companies

Partial list Massachusetts Auto Insurance Companies, websites, telephone number & address:

  • Amica
    1-800-24-AMICA
    P.O. Box 9128
    Providence, RI 02940-9128

  • Arbella
    1-800-972-5348
    1100 Crown Colony Drive
    P.O. Box 699103
    Quincy, MA 02269-9103

  • Commerce
    1-800-922-8276
    211 Main Street
    Webster, Massachusetts 01570

  • Electric
    1-800-227-2757
    75 Sam Fonzo Drive
    Beverly, MA 01915

  • Encompass
    1-866-760-6050
    51 West Higgins Road
    South Barrington, IL 60010

  • Hanover
    1-800-922-8246
    (Allmerica Financial)
    440 Lincoln Street
    Worcester, MA 01653-0002

  • Liberty Mutual
    617-357-9500
    175 Berkeley Street
    Boston, Massachusetts 02116

  • Metropolitan
    1-800-422-4272
    PO Box 350
    Warwick, RI 02887

  • National Grange Mutual
    1-800-258-5310
    55 West Street
    Keene, NH 03431
  • Norfolk & Dedham
    1-800-688-1825
    222 Ames Street
    Dedham, MA 02026
  • 781-332-7000
    One Beacon Lane
    Canton, MA 02021
  • Plymouth Rock
    617-951-1620
    695 Atlantic Avenue
    Boston, MA  02111
  • Premier
    1-800-222-4184
    One Chestnut Place

    10 Chestnut Street, Ste 300
    Worcester, MA 01608
  • Quincy Mutual
    617-472-8770
    57 Washington Street
    Quincy, MA 02169
  • Safety
    1-800-951-2100
    20 Custom House Street
    Boston, MA 02110
  • State Farm
    1-800-526-8210
    1 State Farm Plaza
    Bloomington, IL 61710
  • USAA
    1-800-531-8080

    PO Box 659464
    San Ant

Massachusetts Safe Driver Auto Insurance Discounts

All these years you’ve been a safe driver. You honor the speed limit and traffic signals, wear a seatbelt, and avoid accidents and cell phone distractions. You’re the ideal auto insurance customer. But does that mean you automatically get a safe driver discount? …

Safe Driver Auto Insurance Discount

Do you qualify for a Safe Driver Discount?

Safe Driver Discounts Can Save You Money on Your Car Insurance Premiums

All these years you’ve been a safe driver. You honor the speed limit and traffic signals, wear a seatbelt, and avoid accidents and cell phone distractions. You’re the ideal auto insurance customer. But does that mean you automatically get a safe driver discount?

Truth is, it’s up to you to ask the auto insurance company for a safe driver discount. It’s worth the effort, because if you qualify, you could gain considerable savings on your car insurance premiums. Let’s take a closer look at what affects personal auto insurance premiums, how you can qualify for a safe driver discount, and what your discount might be worth.

How You Can Qualify for a Safe Driver Discount

Typically, auto insurance carriers review your motor vehicle record (MVR) for the state in which you are licensed to determine your safe-driving status and corresponding car insurance premiums. While carriers’ safe-driver discount eligibility requirements vary, here are some steps you can take to enhance your chances of getting a safe driver discount.

  • Get Certified: You should get certified as a safe driver. Completion of a defensive driving program that’s approved by your state and carrier may qualify you for a safe driver discount. Be sure to send a copy of the completion certificate to us at XYZ Insurance to qualify.
  • Review Your MVR: If your quoted auto insurance has a much higher premium that you think reasonable, review your MVR and correct any potential errors. You can usually obtain your MVR online, or from your local Bureau of Motor Vehicles, or by asking your auto insurance agent.
  • Understand What Affects Your MVR: In most states an MVR reflects violations we receive in the course of driving a vehicle. It’s important to note that:

o Violations are generally classed as either moving or non-moving and they do not necessarily affect your MVR the same. o Even if you don’t own the vehicle your record will be “charged” if you are driving and there is a violation. o The nature of the violation determines if you will receive “points” under your state regulatory scheme. The more points you accumulate, the worse for your MVR and the more you will pay for auto insurance.

  • Drive Safely: If you accumulate more points on your MVR than the law allows, your license becomes suspended pending your satisfaction of various state requirements. At the same time, the more points you have, the higher your auto insurance premium will be.Furthermore, you’ll have fewer insurance carriers willing to cover you. So, by all means drive safely to keep your points low!
  •  Wait It Out: In most states violation points are removed after three years. But remember that certain moving violations, such as excessive speeding, may remain on your MVR for five or more years even though the points have been removed. More serious moving violations, such as driving under the influence (DUI), driving while intoxicated (DWI) or driving with a suspended license, can also remain on your record and may result in your never being eligible for a standard or preferred rate carrier in the future. 

    What Is Your Discount Worth?

    Safe driver discounts vary among carriers but could range from 5% to 15% off your car insurance premium. With some auto insurance carriers, one discount may qualify you for additional discounts, reducing your annual car insurance premiums by hundreds of dollars. Add to this the cumulative effect of years and years of discounts, and you’ll find it definitely pays to be an attentive driver and earn the safe driver discount. If you’re a preferred driver and want to save even more, ask your carrier if taking a safe-driving course would help further reduce your car insurance premium.

    Safe Driver Discount Help Is Here

    As a driver, you understand that obeying traffic laws and being attentive behind the wheel are important for more than just your safety; they also can have a long-term impact on your auto insurance premiums. As your independent insurance agent, we specialize in getting the best coverage and most competitive rates for our customers.

    Contact us at Massautoquote.com to find out if you qualify for a safe driver discount, as well as other car insurance savings that come with your well-earned status as a safe driver.

Is a Disappearing Deductible a Magic Trick?

A disappearing collision deductible discount is not a magic trick. It can be a way for you to save money on your car insurance premium, if you qualify …

Massachusetts Auto Insurance Magic

A disappearing collision deductible discount is not a magic trick. It can be a way for you to save money on your car insurance premium, if you qualify. Essentially, the vanishing deductible is an incentive that rewards “safe” drivers by reducing the amount of their deductible, or out-of-pocket expenses if they do file a claim.

Insurance companies know that safe drivers have fewer car accidents and get fewer speeding tickets. Safety conscious car drivers tend to follow the rules of the road. They make fewer insurance claims. This can save insurance companies a significant amount of money every year. Insurance companies like to have safe drivers as policyholders for just this reason.

Vanishing Deductible Saves Safe Drivers Money on Deductible

Some big insurers offer “safe” drivers a special incentive, called the vanishing deductible discount. While each insurance company’s specific safe driver program varies, the programs generally subtract some of the cost of the deductible for each year a driver qualifies as a safe driver. Auto insurance companies also tend to reward driver loyalty.

It is important to realize that your insurance company does not take this safe driver deductible discount off the cost of your car insurance premium. Rather, this money is money saved out-of-pocket on the amount of your deductible if you have a car accident and file a claim.

How Does The Vanishing Deductible Work?

Let’s say that you have an insurance premium that includes a $1000 deductible. This means that in the event of a car accident in which there is $10,000 worth of damage to your auto, you will have to pay the first $1000 out-of-pocket. Your insurance provider will then cover the remaining cost of repair.

Typically, if you are in a vanishing deductible discount program, each year that you do not file a car accident claim, your insurer will drop your deductible by $100. If you went for ten years without an accident, depending on the maximum vanishing deductible credit your insurance company provides, you could, theoretically wind up with a zero deductible.

What Makes a Safe Driver?

Each insurance provider has different criteria for qualifying as a safe driver. The most important factors that insurers may consider include your driving history, history of traffic violations, car accidents, and other factors. Even if you have a less than stellar driver’s record, it may still pay to ask your insurance agent if you qualify or how you can qualify in the future.

Do You Qualify for the Vanishing Deductible Discount?

To learn whether your insurance coverage includes the disappearing deductible discount, give us a call or fax or e-mail us a copy of your Massachusetts Auto Insurance Coverage Page.

Get in touch with an agent who will take the time you need to understand your options. Call or click Massautoquote.com.

Comprehensive Coverage

Comprehensive coverage is certainly worth having unless you drive a real clunker …

MA Auto Insurance Tip

Massachusetts Auto Insurance Tip of the Day:

Your personal auto policy can include Collision Coverage for damage to your vehicle in a crash or by an upset, such as rolling over. Comprehensive Coverage protects against the hings that can happen to your car when you’re not in a crash, such as: broken glass, damage caused by flying or falling objects, fire, theft, vandalism, explosion or earthquake, windstorm, hail, water, or flood damage or riot, contact with bird or other animal.

Comprehensive coverage is certainly worth having unless you drive a real clunker. If your car has little value, it’s probably not even worth it to carry Collision or Comprehensive coverage, even though the premiums may be low.

You might be better off spending those insurance dollars on higher Liability limits.

Did We Mention Real-Time MA Auto Quotes?

MassAutoQuote.com now offers Real-Time, home-grown, Massachusetts auto insurance quotes.

Real-Time quotes were, once upon a time, a thing of Star Trek, science fiction to the Massachusetts independent insurance agent …

ma real time

MassAutoQuote.com now offers Real-Time Massachusetts auto quotes.

Real-Time quotes were, once upon a time, a thing of Star Trek, science fiction to the Massachusetts independent insurance agent.

Now, with the assist from comparative rating vendor, Boston Software, we can show “real-time” rates through our website!

Keep in mind, however, if our system shows you a rate, this is not the final premium offer.

Often, there are large, additional discounts available and insurance programs designed to save you money.

Submit a MA auto insurance quote to us and we will show you the best rates and different coverage options.

Massachusetts Auto Insurance Endorsement Spotlight

MA auto insurance companies have reacted to the changing competitive scenery offering discount programs and endorsements with valuable “bells & whistles.”

The most valuable, perhaps, being “Accident Forgiveness” & “Disappearing Deductible.”

As part of our Massautoquote continuing effort to educate our clients, we offer a snapshot of Safety Insurance’s “Shield Plus” endorsement.

The “Shield Plus” endorsement is offered to Safety Insurance auto insurance policies to clients that have state-best driving records of “99” or “98.”

The offer costs $35 annually and includes the following benefits …

Our Massachusetts Independent Insurance Agency has been writing insurance in the state for almost 20 years. Over this time span we’ve grown exponentially and we have picked up many markets. We’ve also seen many changes in the Massachusetts auto insurance marketplace.

MA auto insurance companies have reacted to the changing competitive scenery offering discount programs and endorsements with valuable “bells & whistles.”

The most valuable, perhaps, being “Accident Forgiveness” & “Disappearing Deductible.”

As part of our Massautoquote continuing effort to educate our clients, we offer a snapshot of Safety Insurance’s “Shield Plus” endorsement.

The “Shield Plus” endorsement is offered to Safety Insurance auto insurance policies to clients that have state-best driving records of “99” or “98.”

The offer costs $35 annually and includes the following benefits:

  • Disappearing Collision Deductible (-$500 credit toward your Collision deductible)
  • Accident Forgiveness. If in an at-fault accident during the policy term, Safety Insurance will not surcharge your policy upon renewal.
  • As well as some additional highlights such as: rental vehicle loss of income, lock in value (guaranteed replacement cost), personal effects coverage up $1,250, extended substitute transportation, emergency road travel expenses, enhanced towing & labor, & air bag coverage.

Other companies offer similar type endorsements.

Sometimes, if a client presently carries a $500 collision deductible, it makes sense to include Safety Insurance’s “Shield Plus” endorsement (+$35) and increase the deductible (on paper) to $1,000.

By doing so, the client will improve coverage and save money.

Call or click us to find out more about Safety’s Massachusetts auto insurance “Shield Plus” endorsement.

You will be glad you did.

 

Massachusetts Auto Insurance Rate Comparison

Geico spent $921 million on advertising in 2012.

“15 minutes could save you 15%.” Then again … they may not.

Recently our Massachusetts Insurance Agency has written clients away from Geico and saved them more than 15%.

As a case study, let’s take a look at one of them:

A 27 year old woman living in Charlestown, MA (perfect driving/ step 99) owns a 2011 Mazda 3 sedan and, with Geico, carried liability limits of: $100,000 per person/ $300,000 per accident (parts 3, 5 & 12); $50,000 Property Damage coverage (part 4); Collision and Comprehensive coverage with $1,000 deductibles and no waiver of deductible.

Her 6 month Geico premium:  $1,611.80

Our annual premium, with $100,000 Property Damage coverage (part 4) including waiver of collision: $1,656.

Calculator aside, our 12 month policy, with better coverage, is about 50% less than Geico.

Maybe that’s why they spent $921 million dollars on advertising last year.

MA Auto Insurance Company Spotlight: Vermont Mutual

MA Auto Insurance Company Spotlight: Vermont Mutual established in 1828, Vermont Mutual’s presence in Massachusetts is no longer one of a sleepy, New England habitational company.

In Massachusetts, Vermont Mutual was the sleepy New England, mutual company strong on habitational risks.

They did not write auto insurance in Massachusetts (although in other states, they did).

In 2008 Massachusetts introduced “managed competition” auto insurance which opened the way for companies to enter the MA Auto Insurance market.

Vermont Mutual entered with large account discounts and industry leading insurance programs, such as: accident forgiveness and disappearing deductible.

Vermont Mutual has been named to the Ward’s Top 50 Property and Casualty Insurance Companies five consecutive years.

The Vermont Mutual Auto Advantage endorsment includes:

  • Disappearing Collision Deductible
  • Accident Forgiveness
  • New Car Replacment
  • Auto Loan/Lease Gap Coverage
  • OEM Parts Guarantee
  • Emergency Travel Expense
  • Enhanced Substitute Transportation

Some of Vermont Mutual’s auto insurance discounts include:

  • Multi-Car
  • Supporting Policy
  • Renewal Discount
  • Good Student
  • Student Away At School
  • Hybrid Auto Discount
  • Class 15 Discount (Age 65+)
  • Annual Mileage
  • Passive Restraint
  • Public Transit Discount
  • Merit Rating Credits
  • Years Licensed
  • Anti-theft Discounts 

Call or click us at http://www.Massautoquote.com and we will quote you with Vermont Mutual, as well as a number of other companies.