Competitive Massachusetts Auto Insurance Quotes Are Here!

Paul Revere rode the streets of Boston yelling:

The British Are Coming! The British Are Coming!

MassAutoQuote rides the internet offering:

Free Competitive Massachusetts Auto Insurance Quotes Are Here!

MassAutoQuote offers competitive auto insurance quotes only in Massachusetts.

Paul Revere rode the streets of Boston yelling:

The British Are Coming! The British Are Coming!

MassAutoQuote rides the internet offering:

Free Competitive Massachusetts Auto Insurance Quotes Are Here!

MassAutoQuote offers competitive auto insurance quotes only in Massachusetts.

We utilize the shopping power of your local, independent insurance agent to provide you the best rates and best coverage options.

Your local, independent Massachusetts agent:

  • Quotes with an average of 7 different companies.
  • Is a licensed professional with strong customer and community ties.
  • Gives you excellent service and competitive prices because your agent can access the insurance coverage from more than one company.
  • Assists you when you have a claim.
  • Is your consultant, working with you as you determine your needs.
  • Offers you a choice of Massachusetts insurance plans and programs.
  • Is a value hunter who looks after your pocketbook in finding the best combination of price, coverage and service.
  • Offers one-stop shopping for a full range of products – home, renters, auto, business, life and health insurance.
  • Treats you like a person, not just another number.
  • Works for you as advocate at claim time, or if you have a billing question.
  • Helps you with the Registry of Motor Vehicles!

Call or click us today!

MA Auto Insurance: Don’t Let Your Massachusetts Inspection Sticker Lapse!

 

Perhaps the cruelest of all surcharge points on the personal MA Auto Insurance Policy 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! About 20% increase the first three years, diminshing the following three .

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

Following please find a helpful, Mass Inspection Station locator link:

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

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?”

Most MA auto insurance companies offer 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. Shop your MA auto and home insurance at the same time.

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

 

MA Auto Insurance Junior Operator License Restrictions

Any motor vehicle operator or motorcyclist between the ages of 16 1/2 and 18 is considered a Junior Operator. The Junior Operator Law has several requirements and restrictions that significantly affect the operation of a motor vehicle by a person who has a Junior Operator’s License (JOL). The basic purpose of the law is to provide new drivers supervised opportunities in which to develop good driving skills, while keeping those drivers free of the possible distractions caused by friends under age 18 who are present while the drivers are behind the wheel.

Following, from the MA Registry of Motor Vehicles Driver’s Manual, we offer Massachusetts Junior Operator License Restrictions:

  • You may not operate a motor vehicle within the first six months after receiving your JOL while any person under age 18 is in the vehicle (other than you or an immediate family member), unless you are accompanied by a person who is at least 21 years old, has at least one year of driving experience, holds a valid driver’s license form Massachusetts or another state and is occupying a seat beside you.

General Rule: The passenger restriction that applies to the Junior Operator (Under age 18) is lifted once the Junior Operator completes the six-month period or you reach age 18, whichever occurs first.

The six-month passenger restriction period will stop running, temporarily, during any suspension. When your JOL is reinstated, you will still have to complete the remainder of the six-month restriction period that existed at the beginning of the suspension period, unless you have already turned 18.

  • As the holder of a Junior Operator License (JOL), you may not operate a motor vehicle between 12:30 a.m and 5:00 a.m. unless you are accompanied by one of your parents or your legal guardian. If you are found operating a motor vehicle in violation of this restriction, you may be charged with operating a motor vehicle without being licensed. This is a criminal violation.
  • If you violate the passenger restiction or the night restriction, you will be subject to a license suspension of 60 dyas for a first offense, 180 days for a second offense, and one year for subsequent offenses. For a second or subsequent offense, you will also be required to complete a Driver Attitudinal Retraining course. The law requires the Registrar to impose this suspension in addition to any other penalty, fine, suspension, revocation, or requirement that may be imposed in connection with a violation committed at the time you were violating the passenger or night restriction.
  • You may not operate a motor vehicle that requires a commercial driver’s license (CDL).
  • You will be suspended for one year if you are udner 18 when you have committed certain driving offenses and alcolhol or drugs were involved (180 days if age 18 to 21), in addition to any penalty assessed by a court or other law.
  • You will be ineligible for a full license until you have completed the period of suspension imposed while operating with a JOL and you reach age 18.
  • You will face additional suspension periods of one year for a first drag racing offense and three years for a subsequent offense, you will be suspended for one year.

Massachusetts Registry of Motor Vehicles Online Services

The Massachusetts Registry of Motor Vehicles has a great, state of the art, web site:  MassRMV.com.

Some of the popular online services offered include: cancel your plates, change your address, renew your license, and renew your registration.

Following please find links and listing of the Mass RMV’s online services:

License/ID –

Registration/Title-

Renewal

Duplicates

Plates

Check My Status

Other-

 

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.

 

Save Money on MA Auto Insurance

Happy ending: our independent, MA Insurance Agency re-rated his renewal with seven companies and found another company more competitive for ”0″ drivers.

Our Massachusetts Insurance Agency recieved a call from a long time client regarding his 2013 auto insurance renewal.

His annual premium went up from $1,057 in 2012 to $1,331 in 2013.

What happened?

He got a speeding ticket.

Although there are no surcharge points added for the first moving violation, companies take away incident free driving credits.

So, as a result, his driving record went from a step “99? to a “0.”

Happy ending:  our independent, MA Insurance Agency re-rated his renewal with seven companies and found another company more competitive for ”0? drivers.

We transferred his coverage and was able to lower his annual premium to $1,156 with an additional -5% if he takes advantage of the company’s pay in full discount.

The moral of the story is to shop your Massachusetts Insurance with us @ Massautoquote and utitlize the power of the Massachusetts Independent Insurance Agent.

You will be glad you did.

Massachusetts Personal Liability Umbrella Policy

Contact MassAutoQuote to find out more information on Massachusetts Personal Liability Umbrella Coverage.

A Massachusetts Personal Liability Umbrella Policy “sits-over” your home and auto liability limits.

Coverage limits start at $1,000,000 and provide protection from lawsuits. 

Coverage is relatively inexpensive to purchase.

With one of our companies, for example:

$1,000,000 of Personal Liability Umbrella Coverage sitting over two autos and one home, annual premium: $180.

 Umbrella Policies require underlying motor vehicle liability limits of $250,000 per person/$500,000 per accident and $100,000 of property damage coverage.

 In addition to coverage limits, insurance companies provide legal defense.

So, in essence, when you purchase higher limits you are also purchasing improved legal defense. 

Please call or click if you would like to discuss Massachusetts Personal Liability Umbrella Coverage.