MA Auto Policy: On Vacation

Before relaxing on a long vacation, there are many things you need to think about: airline tickets, hotel reservations, and car rental. What about your auto insurance coverage?

MA Auto Policy On Vacation

Before relaxing on a long vacation, there are many things you need to think about: airline tickets, hotel reservations, and car rental. What about your auto insurance coverage?

If you have your own MA personal auto insurance policy then your coverage will follow you in the United States, U.S. Territories, Puerto Rico, and Canada.

If you travel to Bermuda, Europe, Mexico or other international destinations, you MA personal auto insurance coverage will NOT follow you and you will want to purchase coverage from the rental company.

Contact your MA independent insurance agent to see if the coverage you carry is adequate or give us a click for your free MA auto insurance quote!

Expired Inspection Sticker?

Tip to save money on MA Auto Insurance?

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

From a MA auto insurance policy perspective, perhaps the cruelest of all surcharge points 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! If you have/ had a perfect driving record, that can amount to about a 20% increase (!!) the first three years, diminishing the following three.

So here’s your warning:

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

MA Inspection Station locator link:

http://massvehiclecheck.state.ma.us/find_emissions_repair.php

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!

 

 

 

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: Don’t Let Your Massachusetts Inspection Sticker Lapse!

 

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!

Following please find a helpful, Mass Inspection Station locator link:

http://massvehiclecheck.state.ma.us/find_emissions_repair.php

Save Money on MA Auto Insurance

Happy ending: our independent, MA Insurance Agency re-rated his renewal with seven companies and found another company more competitive for ”0″ drivers.

Our Massachusetts Insurance Agency recieved a call from a long time client regarding his 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 independent, MA Insurance Agency re-rated his renewal with seven companies and found another company more competitive for ”0? drivers.

We transferred his coverage and was able to lower his annual premium to $1,156 with an additional -5% if he takes advantage of the company’s pay in full discount.

The moral of the story is to shop your Massachusetts Insurance with us @ Massautoquote and utitlize the power of the Massachusetts Independent Insurance Agent.

You will be glad you did.

Mass Auto Quote Driving Tip: 3 Second Rule

MassAutoQuote recommends Massachusetts drivers utilize the “three second rule” and practice safe driving.
The best, most experienced drivers in state get the best auto insurance rates.

The best, most experienced drivers get the best auto insurance rates in Massachusetts.

It’s important to have a good driving record.

If you have no at-fault accidents and no moving violations over a 6 year period of time, then you should be rated as a state best, “99” driver.

MassAutoQuote Driving Tip of the Day:

Use the “three-second rule” to help prevent rear-end accidents!

The “three-second rule” accounts for your reaction time to the movements of the vehicle ahead and your vehicle’s stopping distance.

You should add more time if the road is slippery, if you’re being crowded by a tailgater, if you’re towing a trailer or if you’re driving a large truck.

The three-second rule:

When the vehicle ahead of you passes a stationary object, start counting:  1,001 … 1,002 …

The first second is your reaction time; the next two seconds account for your braking distance

You should not reach the object before you count to … 1,003. If you do, you are following too closely.

At a vehicle speed of 55 mph, the three-second rule creates a gap of 243 feet between cars.

Reminder: Optimize Your MA Auto Insurance Discounts!

 

If you insure your auto & home through Massautoquote, you can ensure that you are getting the best rates, coverage, programs & discounts available.

There has never been a better time to consolidate your insurances.

Call or click to discuss if you insure either your auto or home somewhere else.

Massautoquote is your independent, online Massachusetts insurance resource.

 

Massachusetts Auto Insurance Discounts

MassAutoQuote.com will shop your MA Auto Insurance to find you the best coverage and biggest auto insurance discounts.

Chances are, when you get a quote from MassAutoQuote, we will save you money. Most likely, we will also improve your coverage.

Our job, as your Massachusetts insurance agent, is to shop your coverage with multiple companies, make coverage recommendations, and help you if you ever have a billing question or claim problem.

We re-rate renewals and suggest coverage improvements, insurance or discount programs.

Some of the traditional Massachusettsautomobile insurance discounts include:

Age 65 or Older, Passive Restraint, Annual Mileage discounts, Anti-theft, Multi-Car, Driver’s Education, Public Transit

Additional discounts may include:

Account discounts, Excellent driver & excellent driver plus discounts (99 & 98 drivers), Pay in full discounts, Hybrid vehicle discount, Advanced driver training discount, Alumni & professional group discounts, Good student discount (“B” or better), Student away at school discounts

Call or click us for your Massachusetts Auto Insurance Discount Review!