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Massautoquote is your online Massachusetts insurance broker.
We utilize the power of the independent insurance agent to rate you with multiple companies & find you the best rate and insurance program.
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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’s service.
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The other day we received a quote request from the husband of a woman who is presently insured with our independent Massachusetts insurance agency and one of our A rated carriers (Vermont Mutual Insurance Company).
He was with GEICO and was comparing his coverage with hers and remarked, “her coverage is inferior to my coverage.”
We went line item by line item and found he was talking about was his $250 Collision & $250 Comprehensive coverage deductibles.
He carried only $50,000 Part 4, Property Damage Coverage vs. our client’s $100,000 Property Damage Coverage.
For approximately $3 annually he increased his Part 4, Property Damage Coverage, from $50,000 to $100,000.
In addition, he did not notice that his wife carries Vermont Mutual’s “Advantage” endorsement which gives her a “disappearing collision deductible,” which lowers her $500 deductible to $200!
Also the Advantage endorsement gives her accident forgiveness & $50 per day substitute transportation.
We ran rates for him, packaged their autos together (giving them both multi-car discounts) with their apartment coverage, and was able to save them over $100 while improving his coverage!
Your Massachusetts driving record is based on such factors as: years licensed, age, accidents and moving violations.
Your MA driving record, along with: other operators, town, vehicle, and coverage specifications are the factors that determine your MA auto insurance rate.
Motor vehicle violations and at-fault accidents are called surchargeable events.
If you have been licensed for, at least, 6 years and have no surchargeable events then you are a state-best: “99? driver.
When you first get your license you are a neutral “0? point driver. After 5 years clean driving experience you receive a credit and become a “98? driver.
For a minor (less than $2,000 paid out combined damage) at-fault accident, drivers are surcharged 3 points.
For a major (more than $2,000 paid out combined damage) at-fault accident, drivers are surcharged 4 points.
For the first motor vehicle violation (includes inspection sticker violations), the state will not surcharge you — HOWEVER — if you are a “99? or “98? driver, you lose your credits and become a “0? driver. For each additional motor vehicle violations drivers are surcharged 2 points.
Each surcharge point increases your MA auto insurance by an estimated 8.5%.
The best way to save money on insurance? Drive Safely & keep your driving record perfect!
If you would like additional information or have any questions about your Massachusetts driving record contact the Merit Rating Board.
There is no precise, scientific answer nor is there a single, reliable “rule of thumb.”
Liability coverage isn’t purchased for the average claim, rather higher limits are purchased for the catastrophic type loss. The type of loss that could jeopardize one’s personal assets & earning potential.
Question: Has your net worth increased over the past five years and have you increased your liability coverage to reflect this increase?
In response to increasing net worth, we recommend Personal Liability Umbrella coverage.
Umbrella coverage starts at one million dollars and “sits over” your automobile and home liability coverage. Coverage can be purchased in increments of a million up to $5M.
Personal Liability Umbrella coverage has underlying personal automobile liability requirements of $250,000 per person/ $500,000 per accident.
Call or click us today to find out how much liability coverage is right for you.
Our independent, Massachusetts insurance agency received a call this morning from a woman shopping for MA auto insurance.
She presently has a policy with an online company that does not use independent insurance agents in Massachusetts. When the company entered the state a few years ago they offered her, what she thought was, a terrific rate.
Two years ago she was involved in a minor, single vehicle accident and surcharged 3 points on her Mass license.
We asked her about her accident and, after listening to the details, asked her if she had filed a state Surcharge Appeal form?
She had not, and said no one had ever explained the surcharge or appeal process to her.
We then rated her March renewal with 7 MA auto insurance companies and offered her the best premium we could find.
By the end of the conversation, we were able to save her over – $200 and, we believe, she is well on her way to winning her MA surcharge appeal!
Using a MA Independent Insurance Agent has it’s advantages!
We’ve mentioned it before & I’m certain we’ll mention it again (because it’s worth mentioning):
Parents in Massachusetts, in order to best protect assets, should consider registering and insuring a vehicle in their child’s name. In Massachusetts parents are provided 100% insulation from lawsuits arising from bodily injury or property damage claims.
Mass. MGL Chapter 231, section 85A: “If a car is registered to the child and the child gets into an accident causing personal injury and/or property damage, there is no reponsibility on the parent. It does not make any difference who bought the car or who pays for the insurance, or how old the child is so long as we are talking about negligence.”
On this basis it might make sense for parents to consider insuring a vehicle in their child’s name.
The Massachusetts Auto Insurance Market reminds this MA independent agent of The Wild West.
Rather than a six-shooter, we’re equipped with auto insurance comparative rating software.
Different companies have different appetites for different types of business. Ideally, you want to package your home, apartment or condominium insurance with the same company that writes your auto insurance.
The MA independent agent is a great place to start with your MA auto insurance rate quest.
Your MA independent agent will shop with multiple companies to find the best rates and insurance programs.
Massautoquote utilizes the power of the MA independent agent and we recommend you call or click us to get your MA auto insurance quote today.
Driving during the winter in Massachusetts can be one fo the most difficult and hazardous situations for both new and experienced drivers.
Before the snow flies we offer some winter driving tips:
Has your Massachusetts Auto Insurance policy been cancelled for non-payment?
If so, or if you have a poor driving record (at-fault accidents, moving violations, suspensions or revocations) you may have difficulty obtaining MA auto insurance.
The MAIP (Massachusetts Auto Insurance Plan) marketplace is an option available to MA consumers.
The MAIP program requires 25% down-payment on new business.
If cancelled over the past 12 months for non-payment, MAIP requires (like many companies) 100% premium payment in full.
Unfortunately, it’s an all too common Massachusetts Consumer Auto Insurance Dilemma.
Contact us or a local, independent Massachusetts insurance agent.
We’ve mentioned it many times on our http://www.Massautoquote.com blog & we’ll mention it again: In Massachusetts, parents may want to consider, in order to best protect assets, consider registering and insuring a vehicle in their child’s name. In Massachusetts parents are provided 100% insulation from lawsuits arising from bodily injury or property damage claims.
Mass. MGL Chapter 231, section 85A: “If a car is registered to the child and the child gets into an accident causing personal injury and/or property damage, there is no reponsibility on the parent. It does not make any difference who bought the car or who pays for the insurance, or how old the child is so long as we are talking about negligence.”
On this basis it might make sense for parents to consider insuring a vehicle in their child’s name.