Massachusetts Auto Insurance Discounts

MassAutoQuote.com will shop your MA Auto Insurance to find you the best coverage and biggest auto insurance discounts.

Chances are, when you get a quote from MassAutoQuote, we will save you money. Most likely, we will also improve your coverage.

Our job, as your Massachusetts insurance agent, is to shop your coverage with multiple companies, make coverage recommendations, and help you if you ever have a billing question or claim problem.

We re-rate renewals and suggest coverage improvements, insurance or discount programs.

Some of the traditional Massachusettsautomobile insurance discounts include:

Age 65 or Older, Passive Restraint, Annual Mileage discounts, Anti-theft, Multi-Car, Driver’s Education, Public Transit

Additional discounts may include:

Account discounts, Excellent driver & excellent driver plus discounts (99 & 98 drivers), Pay in full discounts, Hybrid vehicle discount, Advanced driver training discount, Alumni & professional group discounts, Good student discount (“B” or better), Student away at school discounts

Call or click us for your Massachusetts Auto Insurance Discount Review!

MA Auto Insurance Coverage Review: Part 4 Damage to Someone Else’s Property

MA Auto Insurance Coverage Review. Part 4. Damage to Someone Else’s Property …

As a Massachusetts auto insurance shopper, it is important to compare “apples to apples” coverage between insurance companies.

In our continued effort to help educate the MA Auto Insurance consumer, let’s take a quick look at the Massachusetts Private Passenger Auto Insurance Policy:

Part 4. Damage to Someone Else’s Property-

Under this Part, we will pay damges to someone else whose auto or other property is damaged in an accident. The damages we will pay are the amounts that person is legally entitled to collect for property damage through a court judgement or settlement. We will pay only if you or a household member is legally responsible for the accident. We will also pay is someone else using your auto with your consent is legally responsible for the accident. Damages include any applicable sales tax and the costs resulting from the loss of use of the damaged property.

MA auto insurance compulsary limits are $5,000 per accident.

http://www.Massautoquote.com recommends you carry, at least, limits of $100,000 per accident.

You may want to consider limits of $250,000 per accident.

Let’s go to our MA auto insurance comparative rating software:

In our previous blog article we quoted a client, living in Charlestown, MA with an annual premium of $1,656.

This coverage includes $100,000 per accident, Part 4. Damage to Someone Else’s Property.

If our client chose $50,000 per accident of coverage (which her previous carrier sold her), the annual savings would be: – $3.00. (minus three dollars annually). Absurd.

For a valuable coverage which will pay for damage if you hit someone’s Ferrari, or house, or telephone pole, or automobile carrier filled with BMWs, or oil truck, it seems to make all the sense in the world to carry $100,000 (vs $50,000).

If our client decided to carry $250,000 per accident of coverage, the annual premium would be: + $4.00.

Do yourself a favor, take a look at your Part 4. Damage to Someone Else’s Property coverage. If you don’t carry, at least, limits of $100,000 per person call your independent, MA auto insurance agent and ask them how much it would cost to improve your coverage.

Until our next MA Auto Insurance blog entry: # Drive Safe Massachusetts!

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.

Massachusetts Auto Insurance Policy: Uninsured & Underinsured Coverage

Often overlooked on the MA auto policy are Parts 3 & 12, Uninsured & Underinsured Motorist Coverage.

These limits are important. So important, we recommend coverage be equal to your Part 5 coverage which, hopefully, is at least $100,000 per person/ $300,000 per accident.

Uninsured & Underinsured coverage protects you and occupants from other drivers.

Coverage also extends to you and household members involved in an accident as a pedestrian. 

Increasing Parts 3 & 12 to match your Part 5 limits is relatively inexpensive. Coverage can be very valuable, helping to pay for such things as: pain and suffering, lost wages, gaps and deductibles in health insurance, and physical therapy.

Please click or call us to discuss your Uninsured Motorist and Underinsured Motorist coverage limits.

Massautoquote is your independent, Massachusetts insurance resource!

MA Auto Insurance Coverage Review: Part 4, Property Damage

The Massachusetts Auto Insurance Policy is comprised of 12 Parts. This week we review Part 4, Damage to Someone Else’s Property.

The first 4 parts of the MA auto policy are compulsory.

Part 4 – Property Damage, pays for damage to another person’s property and costs associated with the loss of use of that property, when you, a household member or another authorized driver cause an accident. A minimum limit of $5,000 is required for Massachusetts Auto Insurance.

With the rising costs of autos and property repair, it makes sense to purchase more than the compulsary $5,000 minimum auto insurance limit. This can be done at minimal cost.

The standard auto insurance limit for our Agency’s clients is $100,000.

Although, perhaps, difficult to exhaust limits of $100,000. The additional annual cost going from $50,000 of coverage to $100,000 is only about + $4.

Some clients may decide to increase coverage from $100,000 to  $250,000 of property damage coverage at an additional annual cost of about + $5.

Although limits of $100,000 and $250,000 may be excessive — driving past an automobile transport truck the other day which was carrying 7 new Corvettes — I realized that the additional few dollars a year may be the best investment you can make on your MA auto policy.

Note:  only 3% of all drivers purchase the $5,000 minimum for Massachusetts car insurance. In our opinion, these limits are insufficient and the insured will be responsible for damages over $5,000 to someone else’s property.

If you have any questions about your MA auto insurance policy, please stop by, call or click to discuss.

MA Auto Insurance Policy: Parts 3 & 12 –

Often overlooked on the MA auto policy are Parts 3 & 12, Uninsured & Underinsured Motorist Coverage.

These limits are important. So important, we recommend coverage be equal to your Part 5 coverage which should be, at least, $100,000 per person/ $300,000 per accident. 

Uninsured & Underinsured coverage protects you and occupants from other drivers. It can pay for things like medical bills, lost wages, and pain and suffering.

Coverage also extends to you if you’re in someone else’s vehicle or if you’re struck by another vehicle as a pedestrian.

A recent report from the Insurance Research Council (IRC) shows that there is a remarkable correlation between being unemployed and being uninsured.

Don’t overlook your Uninsured Motorist and Underinsured Motorist coverage limits.

MA Ways To Save On Your Auto Insurance Guide

 

With each new Coverage Selections Page and policy booklet, auto insurance consumers in Massachusetts should also receive a: “Ways to Save on your Automobile Insurance” guide.

The guide, mandated to be distributed by companies selling auto insurance in Massachusetts by the Massachusetts Department of Insurance, offers shopping & coverage tips & guidelines.

Table of contents:

  • Shopping for Insurance
  • What is in My Insurance Policy?
  • How Do I Lower My Premium?
  • My Driving Record
  • My Consumer Rights
  • Accidents, Claims and Fraud
  • Things to Remember

If you would like us to forward you a copy of the MA “Ways to Save on Your Automobile Insurance” guide, please just give us a call or click.

If you are looking for a competitive Massachusetts auto insurance quote, please just give us a call or click, as well!

 

MA Auto Insurance Coverage: Uninsured & Underinsured Motorist (Parts 3 & 12)

Often overlooked on the MA auto policy are Parts 3 & 12, Uninsured & Underinsured Motorist Coverage.

These limits are important. So important, we recommend coverage be equal to your Part 5 coverage which, hopefully, is at least $100,000 per person/ $300,000 per accident.

Uninsured & Underinsured coverage protects you and occupants from other drivers. Coverage also extends to you and household members involved in an accident as a pedestrian. 

A recent report from the Insurance Research Council (IRC) shows that there is a remarkable correlation between unemployed and being uninsured.

Please click or call to discuss your Uninsured Motorist and Underinsured Motorist coverage limits.