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Now, more than ever, it is important to have a set of independent insurance agent eyes review your auto & home (condo or apartment) insurance policies.
Massachusetts residents are enjoying the fruits of “managed competition” auto insurance.
Get a free, no obligation MA auto insurance quote from us today!
Please either submit a quote request online or give us a call at: 781-246-8699.
Independent MA Insurance Agency improves your coverage & saves you money on your Massachusetts home & auto insurance. Consider a Personal Liability Umbrella Policy.
Our Independent MA Insurance Agency wrote a piece of business this past week that makes an interesting case study.
The client is a 52 year old man, living in Quincy, with a perfect driving record insuring a 2009 VW Jetta.
His policy was renewing with Metropolitan and he carries excellent liability limits ($250,000 per person/$500,000 per accident); $500 Collision deductible & $300 Comprehensive deductible.
His annual premium was renewing at $1,283.
After reviewing his coverage options, we were able to re-write his auto insurance, with a $1,000 Collision deductible for an annual premium of $885.
Our new client also purchased an Apartment & $1,000,000 Personal Liability Umbrella insurance policy for $255.
So, his new total insurance premiums are : $1,140.
Less than his old premium … & now he has apartment & umbrella coverage!
It is a reminder to have another set of “insurance eyes” review your insurance.
Cancel your MA Registration (plates) online. Once cancelled, notify your MA auto insurance agent.
Did you know the Massachusetts Registry of Motor Vehicles allows MA consumers to cancel your auto registration (plates) online?
In order to cancel your MA auto insurance, you must first cancel your registration.
You can either bring your plates to your local Registry of Motor Vehicles branch, mail or drop off the plates to your agent, or you can cancel them online at:
https://secure.rmv.state.ma.us/PlateReturn/intro.aspx
In order to cancel them you will need: an e-mail address, your Plate type & Plate number, your license number, & the last four digits of your social security number.
Once you have cancelled your MA plates, you will want to notify your MA insurance agent & provide a copy of your Plate Return Receipt.
If you are a Massachusetts auto insurance consumer and utilize MA Public Transporation, remember to save your T passes!
If you are a Massachusetts auto insurance consumer and utilize MA Public Transporation, remember to save your T passes!
Collect Eleven out of twelve month, auto insurance policy term, T passes and MA Auto Insurance Companies will reimburse you a discount somewhere in the $50 – $70 range.
Massachusetts consumers are entitled to free annual personal credit reports.
Today a long time client called us with information regarding: Massachusetts consumers are entitled to free annual personal credit reports.
Three companies that provide free reports to MA consumers:
equifax 1-800-685-1111
transunion 1-800-888-4213
experian 1-866-200-6020
MA Auto Insurance has been the center of attention in the eyes of national auto insurance carriers. Over 24 months ago MA welcomed auto insurance “managed competition.” Deregulated MA auto insurance rates rollercoasted. National carriers dipped their toes in the MA auto insurance marketplace. Independent MA insurance agents sharpened their pencils. Like many businesses, our Agency found ourselves working harder (re-rating), for less money (moving business to save clients money). Still, our Agency has grown.
Now, more than ever, it is important for MA insurance consumers to shop their auto, home & life insurance rates.
We find: the savings can be astonishing!
Many Massachusetts Independent Insurance Agents offer daily, free Registry of Motor Vehicles service.
Many Massachusetts Independent Insurance Agents offer daily, free Registry of Motor Vehicles service. Ask your Agent if they will go to the Registry for you.
Do any MA insurance companies offer Accident Forgiveness?
Recently a client asked if any of our MA auto insurance companies offer “Accident Forgiveness.”
The answer is “yes,” & in some cases, the savings can be phenomenal.
Vemont Mutual’s “Advantage” endorsement can be added to eligible policies for $35 annually.
In addition to “Accident Forgiveness” the endorsement offers: disappearing deductible (first year it’s -$200 off your, say, $1,000 deductible, if no accident, it’s -$100 additional each year to a maximum -$500); increased to towing & labor coverage & substitute transportation coverage, emergency travel expenses & rental vehicle loss of income coverage.
On your MA auto insuranc policy, Substitute Transportation is a sometimes overlooked & often over-priced coverage.
Back when I was a young, MA Independent Insurance Agent (see: turn of the century) the cost of $30 per day of Substitute Transportation Coverage was 2 times the cost of $15 per day coverage.
On your MA auto insurance policy, Substitute Transportation is a sometimes overlooked & often over-priced coverage.
Back when I was a young, MA Independent Insurance Agent (see: turn of the century) the cost of $30 per day of Substitute Transportation Coverage was 2 times the cost of $15 per day coverage.
Then the insurance industry pulled a fast one. They increased the cost of $30 per day Substitute Transporation Coverage to 4 or 5 times the cost of $15 per day Coverage.
The cost of $15 per day coverage is around $12 per year.
The cost for $30 per day coverage is around $52 per year.
Substitute Transportation pays for a rental vehicle while your car is in the shop for a covered insurance loss.
If another, identifiable vehicle hits your car then the other company is obligated to reimburse reasonable rental expenses, whether you carry Substitute Transportation or not.
When renting a Substitute Transportation vehicle from a rental company, you can usually get into an economy-type vehicle for around $23 or $24 per day.
Although, if you’re a victim of a hit & run or at-fault in an accident, $15 per day of Coverage will not pay for a rental in it’s entirety: it will pay a portion.