Reminder: Shop Your Massachusetts Auto Insurance

 

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

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

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

When our agency sees a client’s renewal rate go up, we re-rate with all of our companies.

As a result, we spend quite a bit of time rating, re-rating, and re-writing policies in order to take advantage of MA auto insurance discount programs.

Geico suggests: “15 minutes could save you 15% …” we might be able to save you more than that.

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

Massachusetts Auto Insurance Discounts

Massachusetts auto insurance discounts include:  Good driver, Good student, Driver training, Mileage, Multi-vehicle, Multi-policy, Age 65+, Air-bag, T-pass (public transportation), Hybrid vehicle, Roadside assistance (AAA), Alumni, Professional organization, Anti-theft, Advanced driver training, Years at residence, Agency loyalty, Renewal, E-customer, Advanced issue, Advanced shopper, Autopay, & Paid in full.

Not all companies offer the same discount programs which is why it is important to take advantage of the shopping power of your local, independent insurance agent.

Submit a quote request with Massautoquote.com and we will shop your insurance with many companies to find you the best auto insurance coverage and discounts!

MA Ways To Save On Your Auto Insurance Guide

 

With each new Coverage Selections Page and policy booklet, auto insurance consumers in Massachusetts should also receive a: “Ways to Save on your Automobile Insurance” guide.

The guide, mandated to be distributed by companies selling auto insurance in Massachusetts by the Massachusetts Department of Insurance, offers shopping & coverage tips & guidelines.

Table of contents:

  • Shopping for Insurance
  • What is in My Insurance Policy?
  • How Do I Lower My Premium?
  • My Driving Record
  • My Consumer Rights
  • Accidents, Claims and Fraud
  • Things to Remember

If you would like us to forward you a copy of the MA “Ways to Save on Your Automobile Insurance” guide, please just give us a call or click.

If you are looking for a competitive Massachusetts auto insurance quote, please just give us a call or click, as well!

 

Canada Card Reminder

Do you have a Massachusetts auto policy and are you planning a trip to Canada?

If so, you may be asked for “proof of auto liability coverage” at the border.

Give your Massachusetts insurance agent a call, and they will be pleased to e-mail or mail you a Canada Non-Resident Liability Insurance Card.

 Call or click us today for more information.

Tips to save YOU money

As a Massachusetts auto insurance consumer, it’s important to understand the coverage you carry.

It’s important to understand what you pay all your premium for, year after year.

You don’t have to understand the intricacies of the MA auto policy, nor do you have to become a licensed MA insurance agent.

However, with the assistance of your MA insurance agent, an explanation of coverage, along with the costs & savings of improving or reducing coverage, should only take a few minutes.

Each year at renewal time, visit, phone, or exchange e-mails with your MA insurance agent.

In 2013 become an engaged insurance consumer.

Some questions:

Do we carry adequate liability limits?

Do we carry Umbrella coverage?

Do we carry physical damage coverage (Collision & Comprehensive) on our vehicle?

What is the value of our vehicle?

Are we getting all the discounts that are available?

Insurance is serious stuff. Insurance is asset protection.

Auto insurance protects the value of your car & provides you liability protection.

Liability protection is protection from lawsuits or injury up to your policy’s coverage limits.

Do you know your policy’s limits?

Your independent Massachusetts insurance agent shops for the best premiums & discount programs with the best companies.

Not many are talking about it but, after years of discounted managed competition, auto insurance rates across Massachusetts are going up.

Now, more than ever, you will find the advocacy role & shopping power of your insurance agent the best way to ensure you are getting the best rates and coverage.

If you would like a quote, please call, click, fax or stop by with your auto insurance Coverage Page.

MA Auto Insurance, the dreaded: Speeding Ticket

 

Our Massachusetts Insurance Agency got a call from a client regarding the letter we sent about his January 20, 2013 auto insurance renewal. His annual premium went up from $1,057 in 2012 to $1,331 in 2013.

What happened?

He got a speeding ticket.

Although there are no surcharge points added for the first moving violation, companies take away incident free driving credits.

So, as a result, his driving record went from a step “99” to a “0.”

Happy ending: Our Agency re-rated his renewal with seven companies and found another company more competitive for “0” drivers. We were able to lower his annual premium to $1,156. He can save an additional -5% if he decides to pay in full.

Shop your Massachusetts Insurance with us @ Massautoquote and utitlize the power of the Massachusetts Independent Insurance Agent.

MA Auto Insurance Review

As Massachusetts independent insurance agents, 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.

Top 10 Reasons to use a Massachusetts Independent Agent

Top 10 Reasons to use a MA Independent Insurance Agent:

10.  Unlike other agents, your Independent Insurance agent is not beholden to any one company; thus, you don’t need to change agencies as your insurance and service needs change.

9.  Assists you when you have a claim.

8.  Is your consultant, working with you as you determine your needs.

7.  Offers you a choice of Massachusetts insurance plans and programs.

6.  Is a value hunter who looks after your pocketbook in finding the best combination of price, coverage and service.

5.  Offers one-stop shopping for a full range of products – Massachusetts home insurance, renters, Massachusetts car insurance, business, life and health.

4.  Can periodically help you review your coverage to keep up with your changing insurance needs.

3.  Treats you like a person, not just another number.

2.  Works for you as advocate at claim time, or if you have a billing question.

1 … Will assist you with the Registry of Motor Vehicles!

Discount Double Check

State Farm commercials advertise their discount double check program. I smile every time I see them. As a Massachusetts independent insurance agency owner, I am reminded of what we do every day. Welcome to our world. We shop insurance, check and double check for discounts.

It’s important to remember your MA insurance agent does more than this for you.

Your agent also: 

  • Advises you of coverage
  • Assists you with the MA Registry of Motor Vehicles
  • Helps with billing problems
  • Advocates for you at claim time.

By filling out an auto quote request form here at Massautoquote.com, you are immediately utilizing the shopping power of the Massachusetts Independent Insurance Agent.

Call or click us today for your very own, independent coverage review and “discount double-check.”

Nobody knows Massachusetts Auto Insurance better than your Massachusetts Independent Insurance Agent!

Massachusetts Insurance Agents Big Event

The Massachusetts Association of Insurance Agents hosted their annual conference, The Big Event, from November 8 – 11th at the Marriott Copley in Boston.

The convention had 1800 attendees including top insurance experts and leaders, over 75 education seminars, industry meetings, and an impressive trade show featuring 135 vendors.

For independent Massachusetts insurance agents it is a unique, annual opportunity to join fellow agents, company representatives, educators and industry vendors to compare notes, learn, renew relationships, network, and get an idea of what leading industry companies are up to.

This year’s Big Event boasted a sold-out trade show and was considered a huge success by everyone!