The Massachusetts Registry of Motor Vehicles is on twitter?
Happy New Year!
Hard to believe 2010 is in the books. I was just getting used to typing it.
Looking back at 2010 from a Massachusetts independent agent/ auto insurance perspective, the year was a success!
Overall, Massachusetts auto insurance consumers have seen lower rates & improved insurance programs.
The past six months, however, we have seen companies start to increase their rates and tighten underwriting requirements.
MA consumers that have cancelled insurance, license or driving record problems, the environment is not as consumer friendly.
High premiums and few payment options, we believe the Commonwealth of Massachusetts’ uninsured driver percentage must be on the rise.
2011 should be an exciting time for the MA auto insurance industry.
Massautoquote.com is gearing up to get quotes back to consumers even more quickly and, eventually, in real time with multiple carries.
As MA auto insurance consumers continue to find us on the internet, we will work hard to earn & keep your business.
Thank you for visting our website.
Happy & Healthy New Year!
Massachusetts Auto Insurance Rates
For all the benefits that Massachusetts’ Managed Competition auto insurance has brought consumers there is a flip side. Yes, rates are lower than two years ago and yes, there are more insurance programs (like accident forgiveness & disappearing deductible) however there is less insurability and less forgiveness when it comes to cancelled MA auto insurance policies.
We don’t know the statistic, but guarantee the Commonwealth’s percentage of illegal, uninsured drivers is on the rise over the past two years.
Consumers left out in the MA auto insurance cold (suspensions, revocations, cancellations, payment problems), there usually are no terrific rates, nor terrific payment options.
These consumers are left with the option of huge premiums, 100% due or no insurance and Registration revocation.
Still, this is not our ultimate referendum on MA managed competition auto insurance. Things remain in flux.
By utilizing Massautoquote.com, you utilize the shopping power of the independent insurance agent.
Your independent Massachusetts auto insurance agent will shop with multiple companies to find you the best available rates, coverage and programs.
MA Auto Insurance: What to do in case of an Accident
What to do in case of Accident:
- Stop. Be Courteous. Stay Calm. Your interest will be served best if you are courteous and engage in no controversy at the scene of the accident.
- If there is significant damage to any of the vehicles or any potential injuries call
9-1-1 immediately.
- Get the names of the owners and drivers involved. Get license numbers, telephone numbers, and registration numbers.
- Get the names, addresses, and telephone numbers of witnesses.
- Express no opinion as to who was at fault. Give no information except for as required by the authorities. Do not sign any statements unless required by authorities.
- For prompt claims help contact your Independent Massachusetts Agent!
Accident Forgiveness
Massachusetts Auto Insurance is a hot subject for insurers across the country.
Over two years ago, Managed Competition changed the MA auto insurance landscape. For the most part, these changes have been a good thing for the MA auto insurance consumer. Massachusetts drivers have seen lower rates, more discount programs, and improved insurance programs.
As an independent MA insurance agency, we get asked about the heavily advertised “Accident Forgiveness” program.
Do you have Accident Forgiveness?
Most companies charge additional premium if they offer an Accident Forgiveness program.
Some accident forgiveness programs are attached to endorsements that offer additional coverage enhancements or programs.
For instance, Vermont Mutual’s accident forgiveness program is included in their “Advantage Endorsement” ($45 annual fee).
Their policy endorsement reads:
Accident Forgiveness –
A policy is eligible for accident forgiveness at policy inception if this endorsement is purchased initially as part of the new policy.
If this endorsement is purchased after policy inception, eligibility for accident forgiveness begins on the first renewal after the endorsement is effective. Accidents that occur before the effective date of the endorsement are not eligible for accident forgiveness.
We will not charge for the first at-fault accident on the policy provided:
a. There are no other accidents being waived on the policy;
b. There are no more than two (2) at-fault accidents on the policy, regardless of the number of drivers;
c. No driver has more than one (1) at-fault accident in a six (6) year experience period.
d. The driver involved in the surchargeable at-fault accident is listed on the Coverage Selections Page; and,
e. You or someon on your behlf reported the surchargeable at-fault accident to us.
A claim payment of at least $500, in excess of any deductible, in which the listed operator is determined to be more than 50% at-fault, is considered an at-fault accident.
Only one at-fault accident per policy will be forgiven during a six (6) year experience period. Once an accident is forgiven all additional accidents that occur within the six (6) year experience period will be surcharged and used in determining SDIP points.
A waived Collision (Part 7) accident will not affect your eligibility for the Deductible Rewards – Disappearing Collision and Limited Collision Deductible coverage provided by this endorsement.
In addition to Accident Forgiveness, Vermont Mutual Insurance Company’s “Advantage Endorsement” also includes: Disappearing Collision Deductible Program, New Car Replacement Coverage, Auto Loan/ Lease Gap Coverage, Original Equipment Manufacturer Parts Guarantee Coverage, Enhanced Towing & Labor, Emergency Travel Expense Coverage – Lodging and Meals, Enhanced Substitute Transportation, Rental Vehicle Loss of Income Coverage, Personal Clothing and Baggage Coverage, Bail Bonds and Loss of Earnings, and Air Bag – Accidental Deployment Coverage.
Christmas Shoppers: Beware!
December 1st, can you believe it? Only 24 more shopping days!
Did you know there is huge big spike in parking lot fender benders during the Holiday Season?
Makes sense, with the increased volumes at the shopping malls & grocery stores, & the hustle & bustle that comes with shopping.
Some tips:
- With snow, ice & fogged windows, it is even more important to remember to take your time.
- Warm up your car.
- Turn off the radio & cell phone as you navigate in & out of parking lots & spaces.
- Take a moment to smell the mistletoe. Remember: The Holiday Season is supposed to be fun & relaxing & a time to reconnect with family & friends.
- Drive Safely!
Massautoquote.com: Your site for free MA auto insurance quotes.
MA Registry of Motor Vehicles Reminder Service
Re-rating a long time client’s auto insurance renewal, we noticed that his MA auto license had expired.
We notified the client, unknown to him, the Registry of Motor Vehicles no longer sends out expiration notifications.
Unsettling for our client & illegal, if pulled over, we are inspired to post the following link:
Did you know: The Registry of Motor Vehicles offers a license renewal reminder service!
click to sign up for the reminder service:
Massachusetts Auto Insurance Review
We offer free Massachusetts auto insurance coverage review and premium comparisons.
Our independent MA insurance agents utilize numerous carriers to providet you the most discounts & best insurance programs.
Call, click or fax us today …
50 Salem Street
Lynnfield, MA 01940
t) 781-246-8699 f) 781-224-0546
MA Auto Insurance
The MAIA (MA Association of Insurance Agents) “Big Event 2010” begins today, November 4, 5, 6 & 7 at the Marriott Hotel, Copley Place in Boston, MA.
The Big Event is the MA Association of Insurance Agents annual convention & trade fair.
For more information about The Big Event you can visit: http://www.massagent.com/events/10web/bigevent10.cfm
If you cannot attend (we’ll be there), you can stream live on your computer & download & print materials from some of the different sessions. http://www.massagent.com/events/10web/manuals10.html
Free MA Auto Insurance Resource – Free MA Auto Insurance Quotes
Auto Insurance
Price is important, but it should not be everything.
Advertisements on television & radio suggest you are paying too much for auto insurance. Maybe you are. Maybe you’re not. Sometimes, especially when talking about auto insurance, you pay for exactly the coverage you carry.
Do you carry Collision & Comprehensive Coverage on your vehicle?
What are your liability limits?
Do you carry towing & labor +/or substitute tranporation?
Are you taking advantage of all the different discount programs that are available?
You premium may seem terrific, until claim time.
Your Massachusetts Independent Insurance Agent will shop your insurance with multiple companies to ensure you are receiving the best rate, with the best company.
Give us a call, or click us today!