MassAutoQuote: 15 Seconds …

Time yourself:

Try our Quick Quote Request on the right.

7 fields of information, if you have your MA driver’s license in front of you it might take you 15 seconds.

15 seconds might save you more than 15% …

Shop your Massachusetts auto insurance with MassAutoQuote: call or click us today!

As independent, Massachusetts insurance agents, we see it every day: MA Auto insurance renewal rates are going up.

Massachusetts insurers offer premium enticing ways to capture new business, including:  advanced shopper, advance issue, new home buyer, and declining e-customer credits.

Now is the time to get a brand new, shiny Massachusetts auto, home, business or life insurance quote from your insurance agent.

If you’re tired of filling out seemingly endless fields of information to get a quote request, then try our Quick Quote Request on the right.

7 fields of information will get us started.

7 fields of information, time yourself. If you have your MA driver’s license in front of you it will take you, maybe 15 seconds.

Geico suggests: “15 minutes could save you 15% ….”

We might be able to save you more than that in 15 seconds.

Call or click us for your free, no obligation, competitive, comparative, Massachusetts auto insurance quote!

Massachusetts Insurance Agent

Do you know the name of your Massachusetts insurance agent?

My name is Kevin and I’m a Massachusetts insurance agent …

MA Insurance

Do you know the name of your Massachusetts insurance agent?

My name is Kevin and I’m a Massachusetts insurance agent.

My clients know my name and for 18 years I’ve come into our office and tried to help our clients.

I believe I add value to the very important insurance buying process.

I shop auto, home, business, and life insurance with numerous companies.

I review and re-rate renewals looking for ways to to save money and offer improved coverage.

We process endorsements, take report of claims, assist with closings, and help with billing problems.

I believe your pro-active, independent insurance agent will save you money and provide you a lifetime of invaluable service.

Call or click us for a quote today!

 

 

 

Top 10 Reasons to Use an Independent MA Agent

Disclaimer: I’m biased, I am an independent MA agent. I’m also, however, convinced that a pro-active independent agent with a sharp pencil who shops your renewals and takes advantage of different discount and insurance programs will save you a ton of money over the years …

Massachusetts Insurance

As a Massachusetts Insurance consumer, you have many choices where to buy your insurance. You can go online and “do it yourself,” you can call a direct writer, or you can utilize a professional, independent Massachusetts insurance agent.

Disclaimer: I’m biased, I am an independent MA agent. I’m also, however, convinced that a pro-active independent agent with a sharp pencil who shops your renewals and takes advantage of different discount and insurance programs will save you a ton of money over the years.

We’ve put together our Top 10 list of reasons why you want to utilize the an independent insurance agent …

Top 10: 

  • #10. Your Independent MA Insurance Agent will save you money!
  • #9. Your Independent MA Insurance Agent rates with multiple companies!
  • #8. Your Independent MA Insurance Agent works on your side when you have a loss!
  • #7. Your Independent MA Insurance Agent will provide strong referrals from existing customers!
  • #6. Your Independent MA Insurance Agent has strong local ties and supports your community!
  • #5. Your Independent MA Insurance Agent will improve your coverage!
  • #4. Your Independent MA Insurance Agent provides 24 hour a day, 7 days a week auto claim service!
  • #3. Your Independent MA Insurance Agent provides prompt, courteous service!
  • #2. Your Independent MA Insurance Agent offers free Registry of Motor Vehicles Service!
  • #1. Your Independent MA Insurance Agent makes house calls!

 

15 minutes could save you MORE than 15% …

Recently our Massachusetts Insurance Agency has written clients away from Geico and saved them more than 15%.

As a case study, let’s take a look at one of them …

Geico spent $921 million on advertising in 2012.

“15 minutes could save you 15%.” Then again … they may not.

Recently our Massachusetts Insurance Agency has written clients away from Geico and saved them more than 15%.

As a case study, let’s take a look at one of them:

A 27 year old woman living in Charlestown, MA (perfect driving/ step 99) owns a 2011 Mazda 3 sedan and, with Geico, carried liability limits of: $100,000 per person/ $300,000 per accident (parts 3, 5 & 12); $50,000 Property Damage coverage (part 4); Collision and Comprehensive coverage with $1,000 deductibles and no waiver of deductible.

Her 6 month Geico premium:  $1,611.80

Our annual premium, with $100,000 Property Damage coverage (part 4) including waiver of collision: $1,656.

Calculator aside, our 12 month policy, with better coverage, is about 50% less than Geico.

Maybe that’s why they spent $921 million dollars on advertising last year.

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 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 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.

 

Shop For MA Auto Insurance

MA Auto Insurance Agent quotes Massachusetts auto, home, life and business insurance. http://www.MassAutoQuote.com

Massautoquote.com is your online, independent, Massachusetts  insurance agent.

When you utilize our services to provide you a Massachusetts auto insurance quote, you utilize the enormous shopping power of the independent insurance agent.

We will shop your coverage with numerous companies and provide you different coverage and premium options.

You will hear from us only once and you will not be contacted by more than one person trying to earn your business. We will not continually bombard you with e-mail or voice mail with auto insurance solicitations.

Massautoquote will assist you with the Massachusetts Registry of Motor Vehicles and, in addition to auto insurance, our agents offer home, life, and business insurance.

* Our Privacy Pledge: Your personal information will never be used, or sold, for any purpose other than to supply you with the requested insurance information. You will never receive an uninvited solicitation from anyone as a result of Massautoquote.com’s service.

 

MA Auto Insurance Coverage Review: Part 4 Damage to Someone Else’s Property

MA Auto Insurance Coverage Review. Part 4. Damage to Someone Else’s Property …

As a Massachusetts auto insurance shopper, it is important to compare “apples to apples” coverage between insurance companies.

In our continued effort to help educate the MA Auto Insurance consumer, let’s take a quick look at the Massachusetts Private Passenger Auto Insurance Policy:

Part 4. Damage to Someone Else’s Property-

Under this Part, we will pay damges to someone else whose auto or other property is damaged in an accident. The damages we will pay are the amounts that person is legally entitled to collect for property damage through a court judgement or settlement. We will pay only if you or a household member is legally responsible for the accident. We will also pay is someone else using your auto with your consent is legally responsible for the accident. Damages include any applicable sales tax and the costs resulting from the loss of use of the damaged property.

MA auto insurance compulsary limits are $5,000 per accident.

http://www.Massautoquote.com recommends you carry, at least, limits of $100,000 per accident.

You may want to consider limits of $250,000 per accident.

Let’s go to our MA auto insurance comparative rating software:

In our previous blog article we quoted a client, living in Charlestown, MA with an annual premium of $1,656.

This coverage includes $100,000 per accident, Part 4. Damage to Someone Else’s Property.

If our client chose $50,000 per accident of coverage (which her previous carrier sold her), the annual savings would be: – $3.00. (minus three dollars annually). Absurd.

For a valuable coverage which will pay for damage if you hit someone’s Ferrari, or house, or telephone pole, or automobile carrier filled with BMWs, or oil truck, it seems to make all the sense in the world to carry $100,000 (vs $50,000).

If our client decided to carry $250,000 per accident of coverage, the annual premium would be: + $4.00.

Do yourself a favor, take a look at your Part 4. Damage to Someone Else’s Property coverage. If you don’t carry, at least, limits of $100,000 per person call your independent, MA auto insurance agent and ask them how much it would cost to improve your coverage.

Until our next MA Auto Insurance blog entry: # Drive Safe Massachusetts!

MA Auto Insurance Company Spotlight: Vermont Mutual

MA Auto Insurance Company Spotlight: Vermont Mutual established in 1828, Vermont Mutual’s presence in Massachusetts is no longer one of a sleepy, New England habitational company.

In Massachusetts, Vermont Mutual was the sleepy New England, mutual company strong on habitational risks.

They did not write auto insurance in Massachusetts (although in other states, they did).

In 2008 Massachusetts introduced “managed competition” auto insurance which opened the way for companies to enter the MA Auto Insurance market.

Vermont Mutual entered with large account discounts and industry leading insurance programs, such as: accident forgiveness and disappearing deductible.

Vermont Mutual has been named to the Ward’s Top 50 Property and Casualty Insurance Companies five consecutive years.

The Vermont Mutual Auto Advantage endorsment includes:

  • Disappearing Collision Deductible
  • Accident Forgiveness
  • New Car Replacment
  • Auto Loan/Lease Gap Coverage
  • OEM Parts Guarantee
  • Emergency Travel Expense
  • Enhanced Substitute Transportation

Some of Vermont Mutual’s auto insurance discounts include:

  • Multi-Car
  • Supporting Policy
  • Renewal Discount
  • Good Student
  • Student Away At School
  • Hybrid Auto Discount
  • Class 15 Discount (Age 65+)
  • Annual Mileage
  • Passive Restraint
  • Public Transit Discount
  • Merit Rating Credits
  • Years Licensed
  • Anti-theft Discounts 

Call or click us at http://www.Massautoquote.com and we will quote you with Vermont Mutual, as well as a number of other companies.