MassAutoQuote Quotes Massachusetts Insurance

At MassAutoQuote, we quote insurance every day …

Massachusetts Quotes

At MassAutoQuote, 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.

Uber & Your Massachusetts Auto Insurance

Uber advertises itself as: “the easiest way to get around at the tap of a button.”

The problem, if you’ve ever used Uber or if you’ve ever been an Uber driver, is that your Massachusetts Personal Auto Policy excludes Personal Vehicle Sharing!

Uber and Your MA Auto Insurance Policy

Uber advertises itself as: “the easiest way to get around at the tap of a button.”

Cheap Massachusetts Auto Insurance

Are you looking for cheap auto insurance in Massachusetts? Are you looking for easy ways to save time and money? Then, you’ve found the right place …

Cheap MA Auto Insurance

Are you looking for cheap auto insurance in Massachusetts? Are you looking for easy ways to save time and money? Then, you should learn more about combining the various types of insurance you have with one insurance company to take advantage of a multi-policy discount.

You may qualify for a multi-policy discount if you have one or more cars and an apartment or home. But it might be up to you to ask your independent insurance agent about the discounts available to you. Let’s see what kind of insurance policies you can bundle, why it’s beneficial to get a multi-policy discount, and what you can expect to save by consolidating your insurance premiums under one provider.

What Policies Can You Bundle with Auto Insurance?

Chances are that you have more than just auto insurance, but what other kinds of policies can you ask your insurance company about bundling to get the most out of a multi-policy discount? Here are a few examples:

Home: Whether you rent or own your home, the insurance you buy to protect your dwelling is very commonly bundled with auto insurance.

Boat: Enjoy your adventures on the high seas, rivers or lakes more than ever while knowing you’ve done all you can to save money on insurance.

RV: A recreational vehicle is your home away from home. Insure it and other “toys” you drive with the same insurance company and save.

Life Insurance: Depending on the insurance company you are working with, you can get a multi-policy discount on life insurance, which most people consider essential to protect their family in the event of an untimely death.

Why Get a Multi-policy Discount?

When you’re already paying several insurance premiums to different providers, it makes sense to bundle the rates. The best reasons to switch your current insurance policies to one company are that you will save time and you will save money.

It’s Convenient to Bundle Insurance Policies

It’s simple, if you have multiple policies with one insurance carrier, you’ll see less paperwork and fewer bills. You’ll not only save yourself time, but your insurance company saves time too, which is one reason they offer the discount in the first place. When you’ve got a multi-policy discount, you’ll conveniently be paying just one insurance provider for your insurance needs.

How Much Money Can You Save?

The multi-policy discount you receive will depend on which policies and how many you bundle with your insurance company. Your discount will also vary from provider to provider. Usually, your multi-policy discount could save you up to 15 percent or more on your insurance rates.

We Help You Find the Best Multi-policy Discount

There are plenty of things you value in life: your car, your home, your health. Insuring yourself against the worst is important, but it doesn’t have to be time-consuming. When you bundle your insurance policies, you’ll save money on the things that are important to you.

MassAutoQuote can help you save money on your insurance. We will help you take the fuss out of paying for multiple policies and find the provider that will give you the best multi-policy discount for you. Call or click us today to find out what policies you have that qualify for a multi-policy discount.

what to do if in an auto accident

Lynnfield, MA – January 9, 2015 MassAutoQuote Web Log –

Did you know that if you are involved in a minor fender bender and leave the scene of the accident without contacting the police, you may be breaking the law? …

What to do if in a MA auto accident

Lynnfield, MA – January 9, 2015 MassAutoQuote Web Log –

Did you know that if you are involved in a minor fender bender and leave the scene of the accident without contacting the police, you may be breaking the law?

Knowing what to do if you are involved in a car accident will help you to remain calm. Knowing what is expected can help make a stressful and unpleasant situation more bearable and help you avoid unnecessary liability, time and expense.

1. Call the police. If you are involved in an auto accident, either you or someone who is with you needs to call 9-1-1 immediately. Even if you have not sustained injuries or property damage that you are aware of, you must still wait for the police to arrive so that you can report the accident.

2. Do not talk about the incident to anyone. Speak only to the responding police officer. And call your insurance agent right away.

3. Be polite, even if you are really upset. When people get in car accidents, they are often more reactive than normal. Don’t start blaming the other driver. And if the other driver is rude to you, get in your car, lock the door, and wait for the police to come.

If there is a question about who was at fault in your accident, being overly emotional may potentially bias the reporting police officer against you to the point that he or she could give the other driver the benefit of the doubt.

4. Get all contact information from all drivers:

  • Full name
  • Address
  • Phone number and email
  • Insurance company’s name (and phone number if possible)
  • Insurance policy number

5. Be respectful to the police officer completing the accident report. You don’t need to go into great detail about what happened. It is probably better not to, because you may not be thinking straight and these reports are very hard to change after the fact. They will, however, be used as evidence by the insurance companies. Be cooperative and calm.

6. Take photographs of both vehicles and the scene of the accident. If one or both cars were totaled and you have no camera or cell phone, you can find out from the reporting officer where the cars are going to be towed and go to the lot later and take photographs of both the inside and outside of the cars. Pictures can help either prove damage or disprove damage.

7. Call your insurance agent or insurance company and report the accident as soon as possible with detailed specifics. You will need to tell your insurance company the following:

  • How the accident happened
  • Time and location of accident
  • Motor vehicles in the accident – cars, trucks, bikes, etc. Include the make and model of each car involved
  • Contact information for those in the accident
  • Injuries sustained in the accident
  • Witness contact information
  • Police report number, police jurisdiction in which the accident occurred; your insurance company will need the police report number to investigate any claim

8. See a physician immediately or as soon as possible after the accident. Even if you believe you have only a few bruises, it is important to document all injuries, no matter how minor.

If you have sustained serious injuries, documenting the injuries, including taking photographs of the injuries, can play a significant role in any insurance settlement.

The above information will help you streamline what can be a complicated, scary and confusing process.

We Are Here for You Before, During and a Car Accident

www.MassAutoQuote.com’s Independent Massachusetts Insurance Agents are with you every step of the way. Our Agents will make sure you have the proper auto insurance and help you through the claims process should you be involved in an accident.

To learn more about what to do after a car accident, please feel free to call us at: 781-246-8699.

What Makes My Massachusetts Auto Insurance Rate Go Up?

Driving safe is something that insurance companies love their customers to do. It saves the insurance providers a significant amount of money if their insured clients do not ever have accidents …

MA Auto Insurance Increase

Driving safe is something that insurance companies love their customers to do. It saves the insurance providers a significant amount of money if their insured clients do not ever have accidents. Thus, they tend to favor safe drivers with lower policy premiums and incentives like a disappearing deductible for each year they do not file an auto accident claim.

On the other hand, those who are involved in car accidents or who have received a moving violation may be due for a car insurance increase when it comes time for the annual policy renewal. If a car accident involved little or no property damage, there may not be a car insurance increase in the premium. Moving violations, in most cases, do trigger an increase in car insurance.

Factors That May Cause Car Insurance Increases

  • Type and number of moving violations you receive
  • Seriousness of a car accident that you are involved in
  • Cost of the insurance claim you or the other involved driver files
  • Your level of fault in the car accident, unless you live in a “no-fault” state
  • Appearance of the moving violation on your Motor Vehicle Report (MVR); or the accident on the Comprehensive Loss Underwriting Exchange (L.U.E.), which is a database that records claims information.
  • Number of years you have been with the company without an auto accident

Minimize Moving Violation Cost with Safe Driving Courses

There are ways to minimize the “cost” of a moving violation. For instance, if you take a safe driver’s course to gain insight into driving safe, some insurance companies may decide not to raise your insurance rates. In some cases, your moving violation may be changed to a non-moving violation, so the insurance company will not raise your rates. Each company has its own set of rules for determining just what will trigger a car insurance increase and what factors go into determining driving safe benefits.

Driving Violations and Car Insurance Increases

Drivers with one-car, single driver policies whose driving record included one violation paid 18 percent more on average for car insurance then did drivers who had no moving violations, according to an Insurance.com analysis of more than 30,000 insurance policies purchased in 2010.

Those drivers with two violations paid 34 percent more for their auto insurance; drivers with three violations paid 53 percent more than whose drivers who had no violations. A DUI can result in an insurance company refusing to renew an insurance policy. It seems that driving safe pays off in more ways than one.

Types of Moving Violations Triggering a Car Insurance Increase

  •  Driving under the influence of drugs or alcohol – DUI
  • Speeding
  • Reckless driving
  • Careless driving
  • Fleeing from law enforcement officers
  • Running red lights
  • Driving the wrong way on a one-way or a divided highway
  • Improper passing
  • Lack of child restraint
  • Unsafe U-turn

Does My Insurance Go Up Immediately?

Generally, increases due to a moving violation or a car accident happen at the time you renew your policy. If you have not told your insurance agent about the accident or the ticket, it may take longer to have an impact. Eventually, your ticket or accident will be discovered. If you decide to switch insurance providers, a claims history or driver’s record will reveal any tickets or accidents.

How to Avoid a Car Insurance Increase

If you have received notice of a car insurance increase at the time of your renewal, you can speak to an independent insurance agent who will help you shop for less expensive insurance. Independent insurance agents generally work with a wide range of insurance providers, so they can help you find a car insurance that meets your needs and your pocketbook.

Questions about Your Insurance Policy?

Talk to an independent insurance agent who has a deep understanding of the issues involved in car insurance increases and the benefits of driving safe. Call, click or stop by Massautoquote.com to learn more about getting the best insurance for the best rate available to you.

Choose the Right Independent Insurance Agent

Disclosure: I am a Massachusetts, Independent Insurance Agency Owner.

I believe selecting the right MA independent insurance agent to take care of your insurance needs should not be an “eeny, meeny, miny, moe” decision. You are looking for a long-term relationship with someone you can trust …

MA Auto Insurance

Disclosure: My name is Kevin Johnson and I am a Massachusetts, Independent Insurance Agency Owner.

I believe selecting the right MA independent insurance agent to take care of your insurance needs should not be an “eeny, meeny, miny, moe” decision. You are looking for a long-term relationship with someone you can trust. You wouldn’t buy a car without shopping around, and you shouldn’t select an independent agent without doing some research too. So what should you look for?

1.      Know the Difference between Independent Agents and other Insurance Agents

An independent agent may be a small-business owner who represents a number of different insurance companies. In contrast, agents who represent large, national insurance companies are employees of their company and only sell products from that company. A direct insurance company sells directly to you without an agent, typically online. An independent agent has the opportunity to best match price and coverage for your needs, and if an insurance company is competitive one year but not the next, your independent agent can quote other carriers. That is why they are called independent.

2.      Visit Their Website

Websites are full of information. Read about the history of the agency, the staff’s bios, their customer testimonials. See if their website provides insurance information and easy access to price quotes, either online or via telephone. Websites can give you a feel for the personality of the agency, what they think is important, and the type of customer service they provide.

3.      How Long Have They Been In Business?

The Independent Agent business can be a hard business. If your not growing your shrinking. Agents come and go and Agencies get bought and sold. Is your Agent the owner? Owners have a vested interest in earning and keeping your business.

When you call do you get a familiar voice or an automated teller. Do they get back to you when you leave a message? How long does it take for them to get back to you?

4.      Do They Answer the Phone?

It might sound silly, but when you call do you get a familiar voice or an automated teller? Do they get back to you if have to leave a message? How long does it take for them to get back to you? If they don’t get back to you when they are trying to earn your business, then they probably won’t get back to you when you have a claim or billing problem. Interview the independent agents you are considering: You should feel respect for their knowledge and get a sense about their integrity.

5.      Knowledge and Trust Are Key

It is not so simple to determine knowledge and trust because these qualities are established over time. But you can start by asking the independent agents you are considering to explain the products they sell and how they determine which products, coverage and limits you need. This will give you a good feel for how the agent does business.

*Remember that your relationship with a good independent agent is likely to last a long time, so it pays to take the time to choose the right one for you.

As your independent agent, our job is to help you select the best coverage and limits and with the most competitive premiums from a variety of the insurance companies we represent.

Call, click or stop by MassAutoQuote today.

How Can I Save Money on MA Auto Insurance with a Teen Driver?

Ah yes, your teen is finally behind the wheel, which allows you to hang up your hat as the resident chauffer. But in addition to that new found sense of freedom for both parent and teen, comes a new pinch in the pocketbook …

Save Money with Teen Drivers

Ah yes, your teen is finally behind the wheel, which allows you to hang up your hat as the resident chauffer. But in addition to that new found sense of freedom for both parent and teen, comes a new pinch in the pocketbook.

It’s true, parents of teen drivers typically incur an increase in their car insurance premiums. But we have some tips on ways to save that can offset the cost of having a young driver on your auto insurance policy.

Choosing a Vehicle for your Teen Driver-

One factor that can affect your rate significantly is whether your child will have their own car. There is a substantial savings in having a new teen driver share the family vehicle rather than giving them a car of their own. In addition to having one less vehicle to carry on your policy, sharing a car means they will spend less time driving because of limited access to a vehicle.

Should you choose to get your teen their own vehicle, the type of car you select can affect your premiums considerably. Your independent insurance agent can help you determine which models cost less to insure, but considering these factors may help you narrow down your choices:

  • Drive a used car. While a brand new car may seem the safest choice (if cost isn’t an issue), it is often the more expensive route when it comes to car insuran A newer used model can be one way to get a reliable vehicle while keeping your rates in check.
  • Safety rankings coun Whether you are considering new or used, it is a good idea to check the safety ratings. Having your teen at the wheel of a safe car will affect your premium as well as your peace of mind.

Tips for Offsetting the Cost of Insuring a Teen Driver-

Aside from the type of vehicle your teen is driving, there are other areas to look for savings:

  • Raise your deductibl This generally lowers your premium and helps prevent you from filing small claims, which affects your rates.
  • Evaluate the value of older vehicle You may be paying more in premiums than you can get back from the insurance carrier in the event that car is involved in an accident. If that’s the case, you might want to consider dropping the collision and comprehensive coverage for that vehicle.
  • Consider combining policies with one insurer. Most insurance companies offer discounts if you purchase both your homeowners and car insurance from one carrier, if you don’t do so already.

While you may be tempted to cut back on your liability coverage to offset the cost of adding your teen to your auto insurance policy, in the long run it may not be the wisest choice. Statistics show that teen drivers are more likely to get into accidents than older drivers. In the event of a serious accident, having less liability coverage than needed would leave you footing the bill for anything beyond your liability limits, putting your financial security at risk.

You Can Find Teen Driver Discounts-

Consider these additional ways to save on car insurance directly related to having your teen behind the wheel:

  • Wait a year or two. While it’s not always a popular choice, having your child wait until they’re 17 or 18 to get their license can lower the cost of insuring a new teen driver.
  • Driver training programs. Driver-safety programs are not only a way to teach your teen driver safe driving habits, but in many cases, they can reduce your insurance premiums as well. In addition, some programs offer GPS and video capabilities as a way to monitor your child’s driving habits when you’re not with them.
  • Maintain good grade Teen drivers who maintain a B average or higher are generally eligible for a discount with most insurance carriers.

Compare Costs-

Like most major purchases, some insurance companies offer better rates for teenage drivers than others. If the savings is significant, it may be worth switching from your current carrier. On the other hand, if it is a nominal savings and you’ve been with your insurer for some time, it can be worth staying put. In the event of an accident, your long-term relationship goes a long way toward goodwill. It could potentially save you from a rate increase or being dropped altogether.

Also, switching insurance companies may affect your homeowners insurance rates if you are currently getting a multi-policy discount.

Getting the Coverage You Need-

While adding a new teen driver to your auto insurance policy can raise your rates, there are ways to save without sacrificing coverage. Let us help you design an affordable, dependable policy that fits your family’s needs and pocketbook.

Contact us today.

www.MassAutoQuote.com

We’re on your side.

Real-Time Massachusetts Auto Insurance Quotes!

Now we offer “real-time” MA auto insurance rates with two of our companies, Safety Insurance and Vermont Mutual Insurance!

surprise! real time MA insurance rates

Did you know MassAutoQuote.com offers Real-Time Massachusetts auto insurance quotes?

Real-Time quotes were, once upon a time, a thing of science fiction to the Massachusetts independent insurance agent landscape.

Now, with the assist from comparative rating vendor, Boston Software, we offer “real-time” MA auto insurance rates with two of our companies, Safety Insurance and Vermont Mutual Insurance!

Keep in mind, however, if our system shows you a rate, this is not the final premium offer.

Often, there are large, additional discounts available and insurance programs designed to save you money.

We also have numerous other auto insurance companies that we utilize to shop your insurance.

Simply submit a MA auto insurance quote to us and we will show you the best rates and different coverage options.

Call, click, or stop by.

Moving to Massachusetts?

Moving to Massachusetts?

Trying to figure out the best way to register and insure your vehicle?

We can help …

Moving to MA

Moving to Massachusetts?

Trying to figure out the best way to register and insure your vehicle?

We can help.

Massautoquote.com has been giving out free, no-obligation, online MA auto insurance quotes since 1999.

By getting a MA auto insurance quote from us, you utilize the shopping power of the Massachusetts independent insurance agent.

How to get your Massachusetts license plates –

In Massachusetts insurance and registration go “hand-in-hand.”

You can’t have one without the other.

Once you have found the auto insurance coverage and premium you are comfortable with, will put together a Registry of Motor Vehicles Form 1 with an insurance stamp.

Massachusetts is a “Title state,” in order to get new MA plates you have to turn in your prior, out-of-state title, and get a new MA title.

Your MA driving record is determined by things such as:  years licensed, at-fault accidents, violations, citations, and suspensions.

Remember:  You must obtain annual vehicle inspection sticker within seven (7) days of your vehicle’s registration date.

Call or click us to get your free, no-obligation Massachusetts Auto Insurance Quote.

Mass Auto Quote of The Week

“As we express our gratitude, we must never forget that the highest appreciation is not to utter words, but to live by them.”

~John Fitzgerald Kennedy

Mass Auto Quote of the Week

“As we express our gratitude, we must never forget that the highest appreciation is not to utter words, but to live by them.”

~John Fitzgerald Kennedy