MA Independent Insurance Agents

 

There are secret agents.

There are sports agents.

And there are Independent Insurance Agents.

You spend a large amount of money every year on insurance, for a product you hopefully won’t have to use.

Who is your Independent Insurance Agent?

As your life changes, your insurance needs change as well.

  • When you get licensed, you were added to your Mom & Dad’s policy
  • When you got your first car, you got your first auto policy
  • You moved out of the dorm, got your first apartment policy
  • You fell in love, bought a ring, added it to your policy
  • You got married, bought your first home, got your first home policy
  • Started your own business, got first commercial insurance policy
  • Had you first baby, got your first term life insurance policy

Your Massachusetts Independent Insurance Agent is there to help you every step of the way.

Benefits of having a MA Independent Insurance Agent:

  • 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.
  • Your MA Independent Insurance agent works with many companies; thus, you don’t need to change agencies as your insurance and service needs change.
  • 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 – Massachusetts home insurance, renters, Massachusetts car insurance, business, life and health.
  • Can periodically help you review your coverage to keep up with your changing insurance needs.
  • Treats you like a person, not just another number.
  • Customer satisfaction is the key to a Massachusetts independent agent’s livelihood. So, serving you is a very important concern.

For your free MA Independent Insurance Agent auto, home, business & life insurance review: call or click us today!

Crash Prevention Training

MA Auto Insurance: Popular with new drivers, we recommend all drivers take In Control’s Crash Prevention Training Program .

In Control: Massachusetts Auto Crash Prevention Training Program

Popular with new drivers, we recommend all drivers take In Control’s Crash Prevention Training Program .

The 4.5 hour training class literally flies by while learning & practicing:

  • Defensive Driving Techniques
  • Tailgating Avoidance/Safety
  • Steering and Speed Control
  • Spatial Awareness and Proper Backing Up Procedures
  • Hazardous Condition Driving Techniques
  • Emergency Braking (incl ABS)
  • Emergency Lane Changes
  • Dangers of Distractions

The cost of the course is $299. If recommended by your Independent Insurance Agent, you save 10%.

Course graduates qualify for auto insurance discounts up to 10%.

Some of the top, A rated Massachusetts Insurance Companies that have partnered with In Control include:

  • The Travelers of Massachusetts
  • Safety Insurance
  • Commerce
  • The Hanover
  • Plymouth Rock
  • Norfolk & Dedham
  • Quincy Mutual

Massachusetts Winter Driving

Driving in Massachusetts is a difficult & dangerous enough task on it’s own.

Throw in the perils of an unrelenting winter: snow, ice, & poor visibility and it’s enough to make you want to stay in, put on your Burt Bacharach LP & another log on the fire.

Unfortunately, sometimes we have to venture into the oustide world. Here’s a Winter Checklist before you do so:

  • Check Battery, Coolant, Wipers, Washer Fluid & Tires
  • Fill Your Gas Tank
  • Carry Supplies (Snowbrush, Ice Scraper, Shovel, Sand Bag, Windshield Wiper Fluid, Blanket, Boots & Cell Phone)
  • Clean Off Your Car
  • Drive Slow

“Let’s not get the insurance companies involved.”

At small fender bender times, it’s a common request: “Let’s not get the insurance companies involved.”

But is it a good idea?

Our general rule of thumb is: No. Report the claim to the insurance companies and let them handle it. That’s why you have the insurance.

Many times, the person suggesting he pay out of pocket, in an attempt to avoid a MA state insurance surcharge, doesn’t realize the amount of actual damage. Often times people will go the body shop, get the estimate, and rather than there being $300 the damage is $1,000. The person that did the hitting, aghast, will then ask to go through insurance.

Another thing to keep in mind with Massachusetts insurance surcharges: if the insurance company (-ies) pay out less than $500, then there is no surcharge.

If you have any questions, either before or after an accident happens … call your Independent MA insurance agent. We’re here to help.

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: 

  1. 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.
  2. If there is significant damage to any of the vehicles or any potential injuries call

       9-1-1 immediately.

  1. Get the names of the owners and drivers involved. Get license numbers, telephone numbers, and registration numbers.
  2. Get the names, addresses, and telephone numbers of witnesses.
  3. 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.
  4. For prompt claims help contact your Independent Massachusetts Agent! 

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!

Are you paying too much for your MA auto insurance?

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.

New MA texting while driving laws:

  • Starting September 30th, it will be illegal for all drivers in Massachusetts to use a mobile phone or other handheld device to compose, send or read electronic messages while behind the wheel. What most drivers may not know is that the ban includes these activities while at stop signs and red lights, too.
  • Drivers under 18 cannot use cell phones, even with hands-free devices, at all.
  • If a driver is caught texting while driving, the penalties include:
    • First offense: $100 fine
    • Second offense: $250 fine
    • Third and subsequent offense: $500 fine
    • Drivers under 18 will also face license suspensions for violations.

    • MA auto insurance case study

    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.