MA Auto Insurance News & Notes Archives - Page 15 of 40

Do you have Accident Forgiveness?

If you have a perfect driving record and your coverage doesn’t include Accident Forgiveness and Disappearing Deductible … you should shop your insurance!

Many auto insurance companies in Massachusetts now offer versions of Accident Forgiveness & Disappearing Deductible.

Does your MA auto policy have these features?

Some insurance companies make you earn it, some companies make you qualify for it, some companies allow you to buy it.

Often it makes sense for the MA auto insurance consumer to increase the vehicle’s collision deductible & purchase the endorsement.

By doing so, it’s possible to improve coverage & save money.

Call or click us to find out more about Massachusetts Companies auto insurance programs.

FYI – Optimize your MA Auto Insurance Discounts!

If you insure your Massachusetts auto & home with the same independent agency you
ensure you get the best rates, coverage & discounts available …

If you insure your Massachusetts auto & home with the same independent agency you ensure you get the best rates, coverage, insurance programs & discounts available.

Because of the huge account discounts, there has never been a better time to consolidate your insurances.

Call or click us to discuss your Massachusetts auto & home insurance.

You’ll be glad you did!

Comprehensive Coverage

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

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.

Price is important but …

at what cost?
At point of claim does anyone care about how much their premium was?

at what cost?

At point of claim does anyone care about how much their premium was? Choosing the coverage that is right for you is most important. Your insurance company’s financial rating is also important. As well as the service you receive on a day to day, week to week, and yar to year basis.

Your independent, Massachusetts insurance agent looks for the best price for clients balanced with the best coverage with a financiallys stable, A rated insurance company.

The best price, no matter the premium, is always with your Massachusetts independent insurance agent!

Kids & Cars in Massachusetts

Getting your driver’s license is a big deal.

For the new driver it is an exhilarating, exciting passage of time …

Getting your driver’s license is a big deal.

For the new driver it is an exhilarating, exciting passage of time.

For the parents of the new driver, it can also be an exhilarating, exciting … but scary passage of time.

Some scary statistics:

43% of first year drivers and 37% of second year drivers get into accidents.
The average driver’s education student in MA only gets 6 hours of professional training. Plumbers and electricians often apprentice for 8,000 hours to get a license to practice their job!
Driving accidents are the #1 killer of teens. The rest of the top ten killers (#2 -#10) combined don’t kill as many teens.
93% of all teen accidents are caused by “driver error.” The majority of fatal teen accidents do not involve speeding or alcohol.

When parents put the kids on their policy and let them drive their vehicles they are also loaning them their policy’s liability limits.

If these limits become exhausted, parents — the owners of the vehicle — can get sued.

For this reason, in order to best protect assets, parents in Massachusetts should consider registering and insuring a vehicle in their child’s name.

In Massachusetts parents are provided 100% insulation from lawsuits arising from bodily injury or property damage claims.

Mass. MGL Chapter 231, section 85A: “If a car is registered to the child and the child gets into an accident causing personal injury and/or property damage, there is no reponsibility on the parent. It does not make any difference who bought the car or who pays for the insurance, or how old the child is so long as we are talking about negligence.”

On this basis it might make sense for parents to consider insuring a vehicle in their child’s name.

Call or click us at www.MassAutoQuote.com for your free, no-obligation insurance review and coverage choices.

You’ll be glad you did.

MA Auto Insurance Discount

Chances are, when you last signed up for auto insurance, things in Massachusetts were very different.

Once upon a time, with small deviations, all MA auto insurance rates were the same.

Since then, there have been some huge changes in the Massachusetts insurance landscape …

Chances are, when you last signed up for auto insurance, things in Massachusetts were very different.

Once upon a time, with small deviations, all MA auto insurance rates were the same.

Since then, there have been some huge changes in the Massachusetts insurance landscape.

First, managed competition auto insurance entered the state. More auto insurance carriers entered the state and with them came competitive pricing, and consumer-friendly insurance products.

What else has changed?

Maybe your situation in life.

Have you moved, gotten married, had a job change, or had kids?

Your insurance should change as your life changes.

MassAutoQuote will 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 and discount programs.

Some of the traditional Massachusetts automobile 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 us for your free, no-obligation insurance discount review!

MA Auto Policy: On Vacation

Before relaxing on a long vacation, there are many things you need to think about: airline tickets, hotel reservations, and car rental. What about your auto insurance coverage?

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.

Contact your MA independent insurance agent to see if the coverage you carry is adequate or give us a click for your free MA auto insurance quote!

Massachusetts Registration Fee Increase!

Did you know on July 1, 2014 the cost of your MA Registration will increase from $50 to $60?!

Did You Know?

On July 1, 2014 the base Passenger Registration Fee will increase from $50 to $60 for a two year registration.

If you’ve received your MA registration renewal form from the MA Registry of Motor Vehicles, if your renewal payment is mailed and postmarked before July 1st, you will pay $50 (plus applicable fees for special, vanity, reserved, or year of manufacture plates).

If your renewal payment is mailed and postmarked on or after July 1st, you will pay $60 for renewal.

If you need to contact the Massachusetts Registry of Motor Vehicles, 1st of all: good luck. You can reach them by calling:

1-857-368-8000

or visiting them at:

MA Registry of Motor Vehicles

Planning a Summer Trip to Canada?

As we do each year, we recommend Massachusetts residents call your independent insurance agent …

As we do each year, we recommend Massachusetts residents call your independent insurance agent, so that they can provide you with a Canada Non-Resident Liability Card.

Canada requires that U.S. vehicles provide evidence of liability coverage when traveling the provinces.

Expired Inspection Sticker?

Tip to save money on MA Auto Insurance?

— Check your MA Inspection Sticker, Don’t let it lapse!

From a MA auto insurance policy perspective, perhaps the cruelest of all surcharge points is the one for an ”expired inspection sticker” citation.

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 Department 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 MA Inspection Sticker, Don’t let it lapse!

MA Inspection Station locator link:

http://massvehiclecheck.state.ma.us/find_emissions_repair.php