Ways to save money on Massachusetts auto insurance

Ways to save money on Massachusetts auto insurance

We all want to save money, so maybe we should get right to it:

Ways to save money on Massachusetts auto insurance:

1.) Package Your Auto & Home Insurance through the same agency/company!

First of all, insurance companies that write in Massachusetts offer account discounts on both home and auto insurance. Discounts available are anywhere from 5% – 15% on the auto & between 10% – 20% on the home. So, make sure you shop your home and auto insurance at the same time.

2.) Utilize an Independent Insurance Agency! 

Seems like most Massachusetts Insurance Agencies write business with between 5 – 7 insurance companies, therefore by utilizing an Independent Agency you will be using the most valuable tool in the insurance shopping tool box: competition! An Independent Insurance Agency is most familiar with the different discounts and programs that are available.

3.) Take advantage of available discounts!

This one is probably the trickiest one. Because different companies offer different discounts and knowing which ones are best for you, therefore an Independent Insurance Agent can provide you valuable assistance.

When reviewing different companies discounts, keep in mind that no matter how many discounts companies seem to give, because the bottom line, annual premium is the most important thing.

Discounts include:

  • Account discount on your auto if you have a home, apartment or condominium policy with the same company.
  • Improved excellent driver & excellent driver plus discounts (99 & 98 drivers).
  • Pay in full discounts.
  • Hybrid vehicle discount.
  • Advanced driver training discount.
  • Certain college (for example: Boston College & Merrimack College) and organization (for example: Mass Bar Association & Mass Medical Society) discounts.
  • Good student (“B”or better) and also student away at school discounts.
4.)  Make certain that you have the best insurance program!

Discounts are good, but do not automatically bypass valuable, affordable insurance coverage programs due to ignorance, such as:

  • Disappearing Collision Deductible.
  • Accident and Moving Violation Forgiveness. Because being almost not at-fault in an accident doesn’t cut it!
  • Guaranteed Replacement Cost.
  • Emergency Road Travel Expenses.
  • Auto loan/Gap Coverage.
  • Combined bill options.
  • Electronic Funds Transfer billing option/ No service fees.

Finally, if you want to save money on Massachusetts auto insurance maybe put MassAutoQuote to work for you. Fill out a quote request and we’ll give you different coverage, premium, and company options.

So there we have it, MassAutoQuote‘s: Ways to save money on Massachusetts auto insurance.

MassAutoQuote offers free auto insurance quotes in Massachusetts only! Why? Because Massachusetts is the best!

 

Don’t Let Your MA Inspection Sticker Lapse

Don't Let Your MA Inspection Sticker Lapse

The cruelest of all surcharge points, from a Massachusetts auto insurance perspective, is the one for an ”expired inspection sticker” citation. Don’t let your MA inspection sticker lapse.

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 Division 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 windshield and Don’t let  your MA inspection sticker lapse!

MA Inspection Station locator link: Click Here.

Massachusetts Auto Insurance Quotes

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?”

When getting Massachusetts Auto Insurance Quotes check to see if their quote includes  the 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.  When shopping for your Massachusetts Auto Insurance Quotes, shop your auto and home insurance at the same time!.

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

Ways to Save Money on Massachusetts Auto Insurance

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1.) Package Your Auto & Home Insurance through the same agency/company!

Insurance companies that write in Massachusetts offer account discounts on both home and auto insurance. Discounts available are anywhere from 5% – 15% on the auto & between 10% – 20% on the home.

2.) Utilize an Independent Insurance Agency! 

Most Massachusetts Insurance Agencies write business with five auto insurance carriers. By utilizing an Independent Agency you will be utilizing the most valuable tool that the new, managed competition system offers. An Independent Insurance Agency will be most familiar with the different discounts and programs that are available.

3.) Take advantage of available discounts!

This one is, sort of, the tricky one. Different companies offer different discounts and knowing which ones are best for you is where an Independent Insurance Agent should be able to provide you valuable assistance.

When reviewing different companies discounts, however, keep in mind that no matter how many alleged discounts or percentage points companies are promising, the bottom line premium is the most important thing.

Discounts that are available are:

  • Account discount on your auto if you have a home, apartment or condominium policy with the same company.
  • Improved excellent driver & excellent driver plus discounts (99 & 98 drivers).
  • Pay in full discounts.
  • Hybrid vehicle discount.
  • Advanced driver training discount.
  • Certain college (for example: Boston College & Merrimack College) and organization (for example: Mass Bar Association & Mass Medical Society) discounts.
  • Good student discount (“B”or better)
  • Student away at school discount.

4.)  Make certain that you have the best insurance program!

Some of the new insurance programs that are available include:

  • Disappearing Collision Deductible.
  • Accident and Moving Violation Forgiveness.
  • Guaranteed Replacement Cost.
  • Emergency Road Travel Expenses.
  • Auto loan/Gap Coverage.
  • Combined bill options.
  • Electronic Funds Transfer billing option/ No service fees.

Simple. Massachusetts. Auto Insurance.

Simple Massachusetts Insurance

At MassQuotes we make Massachusetts Auto Insurance Simple.

Really simple.

3 Ways to Get Your Auto Quote:

  • Give us a call!
  • Fill out our online quote request.
  • E-mail or fax us a copy of your Auto Coverage Page.

MassQuotes will rate your insurance with, at least, seven different companies. We utilize Professional, Independent Insurance Agents that will assist you in finding the best rates, the best insurance programs, with the best insurance companies that do business in Massachusetts.

MassAutoQuote Quotes Massachusetts Insurance

At MassAutoQuote, we quote insurance every day …

Massachusetts Quotes

At MassAutoQuote, we quote insurance every day. The first thing we try to get is a copy of your present MA auto insurance Coverage Selections Page.

On the Coverage Selections Page is most of the pertinent things our MA insurance agency looks for in order to provide you comprehensive, comparative rates with numerous MA auto insurance companies.

Top Review Items on your MA Auto Insurance Coverage Page:

  • What is your Part 5, Optional Bodily Injury Coverage? Although not compulsary, this coverage is perhaps the most important coverage on your MA auto policy. This is your liability, or law-suit protection, if you injure someone in an accident. State minimum-type limits are: $20,000 per person/$40,000 per accident. We recommend you consider limits of, at least, $100,000 per person/$300,000 per accident.
  • What is your Part 4, Damage to Someone Else’s Property Coverage? We believe you should carry limits of at least: $100,000 per accident. We’ve seen many policies with online writers with $25,000 (or less) coverage. Usually you can improve this coverage to $100,000 for just a few dollars.
  • Does your Parts 3 & 12 Coverage match your Part 5 Coverage? They should. Parts 3 & 12 protect you & guest occupants from other uninsured or underinsured drivers. These Parts are not very expensive to increase & should match your Part 5 limits.
  • Does your vehicle carry Parts 7 & 9, Collision & Comprehensive Coverage? If so, what is your Collision deductible? If $500, you may want to consider increasing to $1,000. Usually the savings pays for such things as improving your Parts 3, 4, 5 & 12!

Other items to consider: are your receiving a mileage discount? Does your insurance company offer a AAA discount? Are you getting a good student or student away at school credit? Are you age 65 or over? Are you receiving your senior citizen discount? Have you packaged your auto insurance with the same company as your home, condominium or apartment insurance? Does someone review your coverage with you annually?

Call or click us for your free, no obligation MA auto insurance review.

MA Auto Insurance Discounts Programs

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

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 …

MA Auto Insurance Discounts

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.

We will shop your Massachusetts auto insurance 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!

Massachusetts Safe Driver Auto Insurance Discounts

All these years you’ve been a safe driver. You honor the speed limit and traffic signals, wear a seatbelt, and avoid accidents and cell phone distractions. You’re the ideal auto insurance customer. But does that mean you automatically get a safe driver discount? …

Safe Driver Auto Insurance Discount

Do you qualify for a Safe Driver Discount?

Safe Driver Discounts Can Save You Money on Your Car Insurance Premiums

All these years you’ve been a safe driver. You honor the speed limit and traffic signals, wear a seatbelt, and avoid accidents and cell phone distractions. You’re the ideal auto insurance customer. But does that mean you automatically get a safe driver discount?

Truth is, it’s up to you to ask the auto insurance company for a safe driver discount. It’s worth the effort, because if you qualify, you could gain considerable savings on your car insurance premiums. Let’s take a closer look at what affects personal auto insurance premiums, how you can qualify for a safe driver discount, and what your discount might be worth.

How You Can Qualify for a Safe Driver Discount

Typically, auto insurance carriers review your motor vehicle record (MVR) for the state in which you are licensed to determine your safe-driving status and corresponding car insurance premiums. While carriers’ safe-driver discount eligibility requirements vary, here are some steps you can take to enhance your chances of getting a safe driver discount.

  • Get Certified: You should get certified as a safe driver. Completion of a defensive driving program that’s approved by your state and carrier may qualify you for a safe driver discount. Be sure to send a copy of the completion certificate to us at XYZ Insurance to qualify.
  • Review Your MVR: If your quoted auto insurance has a much higher premium that you think reasonable, review your MVR and correct any potential errors. You can usually obtain your MVR online, or from your local Bureau of Motor Vehicles, or by asking your auto insurance agent.
  • Understand What Affects Your MVR: In most states an MVR reflects violations we receive in the course of driving a vehicle. It’s important to note that:

o Violations are generally classed as either moving or non-moving and they do not necessarily affect your MVR the same. o Even if you don’t own the vehicle your record will be “charged” if you are driving and there is a violation. o The nature of the violation determines if you will receive “points” under your state regulatory scheme. The more points you accumulate, the worse for your MVR and the more you will pay for auto insurance.

  • Drive Safely: If you accumulate more points on your MVR than the law allows, your license becomes suspended pending your satisfaction of various state requirements. At the same time, the more points you have, the higher your auto insurance premium will be.Furthermore, you’ll have fewer insurance carriers willing to cover you. So, by all means drive safely to keep your points low!
  •  Wait It Out: In most states violation points are removed after three years. But remember that certain moving violations, such as excessive speeding, may remain on your MVR for five or more years even though the points have been removed. More serious moving violations, such as driving under the influence (DUI), driving while intoxicated (DWI) or driving with a suspended license, can also remain on your record and may result in your never being eligible for a standard or preferred rate carrier in the future. 

    What Is Your Discount Worth?

    Safe driver discounts vary among carriers but could range from 5% to 15% off your car insurance premium. With some auto insurance carriers, one discount may qualify you for additional discounts, reducing your annual car insurance premiums by hundreds of dollars. Add to this the cumulative effect of years and years of discounts, and you’ll find it definitely pays to be an attentive driver and earn the safe driver discount. If you’re a preferred driver and want to save even more, ask your carrier if taking a safe-driving course would help further reduce your car insurance premium.

    Safe Driver Discount Help Is Here

    As a driver, you understand that obeying traffic laws and being attentive behind the wheel are important for more than just your safety; they also can have a long-term impact on your auto insurance premiums. As your independent insurance agent, we specialize in getting the best coverage and most competitive rates for our customers.

    Contact us at Massautoquote.com to find out if you qualify for a safe driver discount, as well as other car insurance savings that come with your well-earned status as a safe driver.

Is a Disappearing Deductible a Magic Trick?

A disappearing collision deductible discount is not a magic trick. It can be a way for you to save money on your car insurance premium, if you qualify …

Massachusetts Auto Insurance Magic

A disappearing collision deductible discount is not a magic trick. It can be a way for you to save money on your car insurance premium, if you qualify. Essentially, the vanishing deductible is an incentive that rewards “safe” drivers by reducing the amount of their deductible, or out-of-pocket expenses if they do file a claim.

Insurance companies know that safe drivers have fewer car accidents and get fewer speeding tickets. Safety conscious car drivers tend to follow the rules of the road. They make fewer insurance claims. This can save insurance companies a significant amount of money every year. Insurance companies like to have safe drivers as policyholders for just this reason.

Vanishing Deductible Saves Safe Drivers Money on Deductible

Some big insurers offer “safe” drivers a special incentive, called the vanishing deductible discount. While each insurance company’s specific safe driver program varies, the programs generally subtract some of the cost of the deductible for each year a driver qualifies as a safe driver. Auto insurance companies also tend to reward driver loyalty.

It is important to realize that your insurance company does not take this safe driver deductible discount off the cost of your car insurance premium. Rather, this money is money saved out-of-pocket on the amount of your deductible if you have a car accident and file a claim.

How Does The Vanishing Deductible Work?

Let’s say that you have an insurance premium that includes a $1000 deductible. This means that in the event of a car accident in which there is $10,000 worth of damage to your auto, you will have to pay the first $1000 out-of-pocket. Your insurance provider will then cover the remaining cost of repair.

Typically, if you are in a vanishing deductible discount program, each year that you do not file a car accident claim, your insurer will drop your deductible by $100. If you went for ten years without an accident, depending on the maximum vanishing deductible credit your insurance company provides, you could, theoretically wind up with a zero deductible.

What Makes a Safe Driver?

Each insurance provider has different criteria for qualifying as a safe driver. The most important factors that insurers may consider include your driving history, history of traffic violations, car accidents, and other factors. Even if you have a less than stellar driver’s record, it may still pay to ask your insurance agent if you qualify or how you can qualify in the future.

Do You Qualify for the Vanishing Deductible Discount?

To learn whether your insurance coverage includes the disappearing deductible discount, give us a call or fax or e-mail us a copy of your Massachusetts Auto Insurance Coverage Page.

Get in touch with an agent who will take the time you need to understand your options. Call or click Massautoquote.com.

MA Auto Insurance Discounts

Multi-policy Discounts Can Save a Bundle on Auto Insurance Rates

Are you looking for easy ways to save time and money? Then, you should learn more about combining the various types of insurance you have with one insurance company to take advantage of a multi-policy discount …

Save MA Money Auto Insurance

Multi-policy Discounts Can Save a Bundle on Auto Insurance Rates

Are you looking for easy ways to save time and money? Then, you should learn more about combining the various types of insurance you have with one insurance company to take advantage of a multi-policy discount.

You may qualify for a multi-policy discount if you have one or more cars and an apartment or home. But it might be up to you to ask your independent insurance agent about the discounts available to you. Let’s see what kind of insurance policies you can bundle, why it’s beneficial to get a multi-policy discount, and what you can expect to save by consolidating your insurance premiums under one provider.

What Policies Can You Bundle with Auto Insurance?

Chances are that you have more than just auto insurance, but what other kinds of policies can you ask your insurance company about bundling to get the most out of a multi-policy discount? Here are a few examples:

Home: Whether you rent or own your home, the insurance you buy to protect your dwelling is very commonly bundled with auto insurance.

Boat: Enjoy your adventures on the high seas, rivers or lakes more than ever while knowing you’ve done all you can to save money on insurance.

RV: A recreational vehicle is your home away from home. Insure it and other “toys” you drive with the same insurance company and save.

Life Insurance: Depending on the insurance company you are working with, you can get a multi-policy discount on life insurance, which most people consider essential to protect their family in the event of an untimely death.

Why Get a Multi-policy Discount?

When you’re already paying several insurance premiums to different providers, it makes sense to bundle the rates. The best reasons to switch your current insurance policies to one company are that you will save time and you will save money.

It’s Convenient to Bundle Insurance Policies

It’s simple, if you have multiple policies with one insurance carrier, you’ll see less paperwork and fewer bills. You’ll not only save yourself time, but your insurance company saves time too, which is one reason they offer the discount in the first place. When you’ve got a multi-policy discount, you’ll conveniently be paying just one insurance provider for your insurance needs.

How Much Money Can You Save?

The multi-policy discount you receive will depend on which policies and how many you bundle with your insurance company. Your discount will also vary from provider to provider. Usually, your multi-policy discount could save you up to 15 percent or more on your insurance rates.

We Help You Find the Best Multi-policy Discount

There are plenty of things you value in life: your car, your home, your health. Insuring yourself against the worst is important, but it doesn’t have to be time-consuming. When you bundle your insurance policies, you’ll save money on the things that are important to you.

MassAutoQuote.com will help you take the fuss out of paying for multiple policies and find the provider that will give you the best multi-policy discount for you. Contact us today to find out what policies you have that qualify for a multi-policy discount.