Massachusetts Auto Insurance Quotes

Since 1999 Massachusetts has seen many things, including:

  • The completion of the Big Dig!
  • The New England Patriots Dynasty (3 Super Bowls)!
  • Not one, but two Red Sox World Series!
  • Another Celtics banner hoisted to the rafters!
  • The Bruins hoist the Stanley Cup for themselves!
  • Massautoquote.com has provided thousands and thousands of free MA auto insurance quotes!

In addition, we’ve provided coverage explanations, recommendations and saved our clients money, while providing the very best in customer service.

Customer service includes saving money, but also: assitance with the Massachustts Registry of Motor Vehicles, help at claim time, and answers to billing questions.

To utilize your local, free Massachusetts auto insurance quote champion, call or click us today!

Massachusetts Auto Inspection Sticker Blues

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 Department 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.”

 

Perhaps the cruelest of all surcharge points on the personal MA Auto Insurance Policy is the one for an ”expired inspection sticker” citation.

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 Department 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! About 20% increase the first three years, diminshing the following three .

Check your MA Inspection Sticker:  Don’t let it lapse!

Are You A New Massachusetts Driver?

If you are a new Massachusetts driver (or the parent of a new, MA driver), you should be familiar with the Massachusetts’ Junior Operator Law.

If you are a new Massachusetts driver (or the parent of a new, MA driver), you should be familiar with the Massachusetts’ Junior Operator Law.

Sobering statistics show that three out of every ten 16 year old drivers will be in a serious crash. Almost one of every five 17 year old drivers will be in a serious crash. More than one of every ten 18 year old drivers will be in a serious crash.

As a way to attempt to combat these statistics Massachusetts has strict Junior Operator rules & regulations. Both Junior Operator & parents should know what these rules are. Some of these regulations include:

The Junior Operator may not operate a motor vehicle within the first six (6) months after receiving a Junior Operator’s License while any passenger under the age of 18 is in the vehicle (other than the Operator or an immediate family member/sibling), unless the Junior Operator is accompanied by a person who is at least 21 years old. This person who is at least 21 years old must have at least one year of driving experience, hold a valid driver’s license from Massachusetts or another state, and must occupy the seat beside the Junior Operator.
 

The Junior Operator may not operate a motor vehicle during the hours of 12:00 am (midnight) to 5:00 am unless accompanied by a parent or legal guardian.

Parents will want to talk with their new operators about the privilege, dangers & responsibilities of driving a motor vehicle. Practice with your new operator, buckle up & remember to drive safely!

For a copy of the Massachusetts’ Junior Operator Law (pdf) Brochure:  Click here

Competetive, Comparative Auto Insurance Quotes

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.

Massautoquote’s Privacy Statement:

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.

Kids & Cars in Massachusetts

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.

Winter Driving Tips

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:

  • Reduce your speed accoding to road conditions. Drive caustiously and accelerate gently.
  • Never lock your brakes on icy roads. You will lose steering control. If you do skid, try to remember to turn into the direction of the skid.
  • Increase the space between your vehicle and others. You need more distance to stop safely on slippery surfaces.
  • Make sure your windhield washer has sufficient fluid and that your wipers and defroster are in good condition.
  • Before driving, completely remove ice and snow from your vehicle. Clear all windows, wipers, headlights, and brake lights.
  • Keep your fuel tank at least half full to prevent the fuel line from freezing.
  • Keep a sleeping bad or blanket, flashlight, water, high calorie food that will not spoil, and a shovel in your trunk for emergencies.

Lowell, MA Registry of Motor Vehicles Moving

The new Lowell, MA Registry of Motor Vehicles will open at 9:00 am on June 7, 2010, located:

In the Edward J. Early Parking Garage Facility at 77 Middlesex Street, Lowell, MA 01852.

The 450 Chelmsford Street, Lowell, MA Registry of Motor Vehicles will close for the last time on Friday, June 4, 2010 at 5:00 pm.

The new Lowell, MA Registry of Motor Vehicles will open at 9:00 am on June 7, 2010, located at:

77 Middlesex Street, Lowell, MA  01852 (in the Edward J. Early Parking Garage Facility)

Road tests will continue to be conducted at the current location (450 Chelsmford Street) until June 30, 2010.

MA Auto Insurance Programs:

Prior to April, 2008 MA auto insurance consumers had very few insurance programs to choose from. MA “Managed Competition” auto insurance (deregulation) entered the state, along with additional companies, and — all of a sudden –, programs long enjoyed by the rest of the country, are now available here in Massachusetts.

For example:  Vermont Mutual Insurance Company offers an “advantage” endorsement. For $35 this endorsement includes (among other things): accident forgiveness, disappearing deductible, auto loan/ lease gap coverage, & enhanced substitute transportation coverage.

For qualifying new business what this means is, if you have 4 points on your license due to an at-fault accident, you can pay $35 for the advantage endorsement and Vermont Mutual will rate you with no surchage points: saving you big money.

If you are already insured with Vermont Mutual, you can add the endorsement & if you are in an at-fault accident, at renewal time, Vermont Mutual will not charge you for the surcharge points.

The endorsement, to this MA independent insurance agent, seems like a real bargain.

We can all thank MA Managed Competetion Auto Insurance.

Homestead Act

The Homestead Act is designed to allow homeowners in Massachusetts to protect their primary residence against sebsequent attachment, levy or sale to satifsy debts up to $500,000. The Homestead Law does not protect against: taxes or mortgages used to purchase the residence. Homeowners must file for the Homestead Act with The Registry of Deeds office in the county in which the residence is located.

Massachusetts charges a one time Filing Fee of $35 for a Declaration of Homestead.

Click for:  Declaration of Homestead Form (pdf)

Registry of Deeds Links:

Registry of Deeds Offices:

District/County:

Located in:
Barnstable Barnstable
Northern Berkshire Adams
Middle Berkshire Pittsfield
Southern Berkshire Great Barrington
Northern Bristol Taunton
Southern Bristol New Bedford
Fall River Bristol Fall River
Dukes Edgartown
Northern Essex Lawrence
Southern Essex Salem
Franklin Greenfield

The Homestead Act
Questions & Answers

La Ley de Protección de Hogar Seguro
Preguntas y Respuestas

City/Town to Registry Guide

    

District/County:

Located in:
Hampden Springfield
Hampshire Northampton
Northern Middlesex Lowell
Southern Middlesex Cambridge
Nantucket Nantucket
Norfolk Dedham
Plymouth Plymouth
Suffolk Boston
Northern Worcester Fitchburg
Worcester Worcester

Massachusetts Deed
Indexing Standards (PDF, 276 kb)

Massachusetts Document
Formatting Standards,
Effective January 1, 2008 (PDF, 12 kb)

Home Insurance Primer

Home insurance rates have been going up across the country. The best way to save money on your home insurance is to package it with your auto insurance.

The first step for home insurance is figuring out the appropriate amount of coverage. Your Coverage A, Dwelling, amount should represent the “Replacement Cost” of your home. This should be the amount that it would take to rebuild your home if you were to suffer a catastophic loss. The “Replacement Cost” or Dwelling Amount should not be confused with the home’s Market Value.

Once you have the “Dwelling Amount,” the next three parts (B, C, & D) are usually percentages of this coverage amount.

 For example:

Coverage A, Dwelling, amount:                                                                      $300,000

Coverage B, Other Structures (10% of Coverage A amount):                   $30,000

Coverage C, Personal Property (70% of Coverage A w/Replacment)      $210,000

Coverage D, Loss of Use (20% of Coverage A amount):                             $60,000

Home insurance also provides you Liability Coverage (Parts E & F).

Part E, Personal Liability Coverage, protects you from on and off-premises liability claims against you & family members. We recommend limits of $500,000 per occurrence and we recommend you consider Personal Liability Umbrella Coverage that sits over these and your auto limits.

Part F, Medical Payments Coverage, is usually in the amount of $1,000 or $2,000. If provides Medical Payments coverage for anyone (except household members) injured on your property.  

For savings, we recommend you compare deductibles from: $500, $1,000 & $2,500 deductibles. 

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