MA Auto Insurance Rates

MA Auto Insurance News:

  • Over the past six months, MA auto insurance rates have been on the rise.
  • Some companies have started to charge service fees for their, once free, electronic funds transfer service.
  • If your MA auto insurance policy has been cancelled for non-payment, some companies are requiring 100% annual premium paid in full.
  • If you have a troubled driving history (accidents, moving violations, suspensions or claims), you may find yourself in the MAIP (Massachusetts Automobile Insurance Plan). Here you will find state set premiums and limited access to individual company discount programs.

The Massachusetts Division of Insurance proclaims:

“Since the Patrick-Murray Administration introduced managed competition auto insurance reform two years ago, drivers in Massachusetts have saved nearly a half-billion dollars, and many were able to maximize savings by shopping around for a better premium.”

The MA Independent Insurance Agent did most of this shopping.

Our Agency, Johnson & Rohan Insurance, has rated & re-rated, wrote & re-wrote, hundreds of our clients. Time consuming & costly, we consider this an important part of our service.

Give us a call, or click “get a quote.” 

We offer free, no obligation, coverage and premium reviews.

MA Independent Insurance Agents

 

There are secret agents.

There are sports agents.

And there are Independent Insurance Agents.

You spend a large amount of money every year on insurance, for a product you hopefully won’t have to use.

Who is your Independent Insurance Agent?

As your life changes, your insurance needs change as well.

  • When you get licensed, you were added to your Mom & Dad’s policy
  • When you got your first car, you got your first auto policy
  • You moved out of the dorm, got your first apartment policy
  • You fell in love, bought a ring, added it to your policy
  • You got married, bought your first home, got your first home policy
  • Started your own business, got first commercial insurance policy
  • Had you first baby, got your first term life insurance policy

Your Massachusetts Independent Insurance Agent is there to help you every step of the way.

Benefits of having a MA Independent Insurance Agent:

  • 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.
  • Your MA Independent Insurance agent works with many companies; thus, you don’t need to change agencies as your insurance and service needs change.
  • 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 – Massachusetts home insurance, renters, Massachusetts car insurance, business, life and health.
  • Can periodically help you review your coverage to keep up with your changing insurance needs.
  • Treats you like a person, not just another number.
  • Customer satisfaction is the key to a Massachusetts independent agent’s livelihood. So, serving you is a very important concern.

For your free MA Independent Insurance Agent auto, home, business & life insurance review: call or click us today!

Crash Prevention Training

MA Auto Insurance: Popular with new drivers, we recommend all drivers take In Control’s Crash Prevention Training Program .

In Control: Massachusetts Auto Crash Prevention Training Program

Popular with new drivers, we recommend all drivers take In Control’s Crash Prevention Training Program .

The 4.5 hour training class literally flies by while learning & practicing:

  • Defensive Driving Techniques
  • Tailgating Avoidance/Safety
  • Steering and Speed Control
  • Spatial Awareness and Proper Backing Up Procedures
  • Hazardous Condition Driving Techniques
  • Emergency Braking (incl ABS)
  • Emergency Lane Changes
  • Dangers of Distractions

The cost of the course is $299. If recommended by your Independent Insurance Agent, you save 10%.

Course graduates qualify for auto insurance discounts up to 10%.

Some of the top, A rated Massachusetts Insurance Companies that have partnered with In Control include:

  • The Travelers of Massachusetts
  • Safety Insurance
  • Commerce
  • The Hanover
  • Plymouth Rock
  • Norfolk & Dedham
  • Quincy Mutual

Tips to save you money

The most important thing, in this independent insurance agency owner’s view, is to have your independent insurance agent review your coverage and premium WITH YOU.

I capitalize the “with you” because it is important to be an engaged consumer.

As an engaged consumer, you want:

  • the best price 
  • all the discounts
  • you want to know your coverage
  • you want to know the companies and the people you are doing business with

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?

As your independent Massachusetts insurance agent, every year we shop for the best premiums & personalized discount programs with A rated companies. We then offer our clients different coverage and premium options. Often, upon renewal, we transfer our clients to another company in order to save money.

Not many are talking about it but, after two 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 case study

Independent MA Insurance Agency improves your coverage & saves you money on your Massachusetts home & auto insurance. Consider a Personal Liability Umbrella Policy.

Our Independent MA Insurance Agency wrote a piece of business this past week that makes an interesting case study.

The client is a 52 year old man, living in Quincy, with a perfect driving record insuring a 2009 VW Jetta.

His policy was renewing with Metropolitan and he carries excellent liability limits ($250,000 per person/$500,000 per accident); $500 Collision deductible & $300 Comprehensive deductible.

His annual premium was renewing at $1,283.

After reviewing his coverage options, we were able to re-write his auto insurance, with a $1,000 Collision deductible for an annual premium of $885.

Our new client also purchased an Apartment & $1,000,000 Personal Liability Umbrella insurance policy for $255.

So, his new total insurance premiums are :  $1,140.

Less than his old premium … & now he has apartment & umbrella coverage!

It is a reminder to have another set of “insurance eyes” review your insurance.

MA Car Insurance Rates …

MA Auto Insurance: Parts 3 & 12 are Uninsured & Underinsured Motorist Coverage.

These limits are important and often over looked.

MA auto insurance rates are all over the map (insurance agent humor: All over the MAIP lol).

Recently our Agency utilized Vermont Mutual’s accident forgiveness endorsement and lowered a woman’s rates, living in Lynn, MA from $2,100 down to $1,465.

Meanwhile, we also improved her Parts 3 & 12 to match her Part 5 limits of $50,000 per person/$100,000 per accident.

Parts 3 & 12 are Uninsured & Underinsured Motorist Coverage.

These limits are important and often over looked.

Uninsured Motorist Coverage (Part 3) protects you & occupants from other driver that may be driving without insurance. If they injure you, this coverage allows you to collect under your own coverage for things like medical bills, lost wages, pain & suffering etc.

Underinsured Motorist Coverage (Part 12) protects you & occupants from other drivers that have less (Part 5) coverage than you have. If they injure you, you can collect the difference between what they carry and what you carry.

* Note: you cannot carry higher Parts 3 & 12 than you do Part 5 (Optional Bodily Injury to Others) Coverage.

We recommend that your Parts 3 & 12 limits match your Part 5 limits.

MA auto insurance quote

Your MA independent auto insurance agent will shop for the best rates, with the best companies. Your independent agent shops for discounts that are available to you. Your agent will review all your insurance products and package them together to find you the best rates.

Insurance companies are all vying for MA auto insurance market shares.

Some national insurers have eliminated the independent insurance agent. Some have embraced the agent. Some have tried to do both.

Why is a MA Independent Agent important?

Your Agent is important because they write many lines of insurance with many different companies. They represent more than just one company.

Do you pay extra for a MA Independent Auto Insurance Agent?

No. Your independent agent will shop for the best rates, with the best companies. Your independent agent shops for discounts that are available to you. Your agent will review all your insurance products and package them together to find you the best rates.

Massachusetts Home Insurance

This web log was created specifically for our MA auto insurance quoting website. In addition to MA auto insurance, our independent insurance agency writes MA home insurance, life insurance,  property insurance, business insurance, workers compensation insurance, health and disability insurance.

In order to get the best rates it is important to package your home & auto insurance with the same company. We will help review, compare and shop your coverage with numerous, A rated companies.

Request a quote online or call us at:  781-246-8699

MA Auto Insurance: Wild West?

Someone recently asked for an example of our MA Auto Insurance: Wild West analogy &, this morning I ran into a perfect MA auto insurance rating example.

Longtime client has an old (99) Honda Accord with, almost, 200,000 miles on it. She lives in Dorchester & carries mimimum-type liability limits ($20,000 per person/$40,000 per accident parts 3, 5 & 12; $100,000 Part 4; No Collision & No Comprehensive Coverage). Not to name names (Travelers) was charging her $1,019 for her June 2, 2010 auto insurance renewal.

We re-rated her with six MA auto insurance companies and one (Vermont Mutual), offers identical coverage at an annual premium of: $576.

$576 vs $1,019!

This is a, not so subtle, reminder to auto insurance consumers & agents in the Commonwealth of Massachusetts: Shop Your Coverage!

MA Auto Insurance – Tips to Save Money (cont.)

We’ve said it once, twice, maybe three times:

Package your MA auto insurance with the same company that carries your home, condominium or apartment insurance.

Have us shop your home insurance with auto insurance in mind.

Don’t have apartment insurance?

You should. It’s inexpensive & provides “personal property” coverage (coverage for your stuff) &, maybe more important, “personal liability” coverage. Personal Liability coverage provides lawsuit protection on & off apartment premise. (Motor vehicle liability excluded.)