MA Insurance Company Spotlight: Vermont Mutual

Founded in 1828, Vermont Mutual Insurance Company had been a long-time, slow and steady, property insurance company in our independent MA insurance agency.

Then, in 2008, “Managed Competition” hit the state and so did Vermont Mutual’s Massachusetts auto insurance product.

Their years of experience writing auto insurance in New York and the other New England states was evident as they offered innovative and, in Massachusetts, groundbreaking products such as: Accident Forgiveness and Disappearing Deductibles.

Their auto rates were competitive right out of the MA auto insurance gates and their claims, underwriting, technologies and billing services have been superb.

Their discounts include: Multi-car, Renewal discount, Good driver, Good student, Student away at school, Hybrid Auto, Support policy, Age 65 +, Mileage, Advance shopper, Paid in full and more.

Overall our Massachusetts Agency gives Vermont Mutual Insurance Company an A + Rating.

Call or click us today to get MA auto insurance rates from Vermont Mutual along with other insurance companies.

At Fault Accidents in Massachusetts

 

The best way to save money on auto insurance in Massachusetts is by driving safely, maintaining a clean driving record, and by paying your auto insurance premiums.

Unfortunately, accidents happen and that is why, ultimately, we carry auto insurance.

In Massachusetts there are 20 Standards of Fault that are used when determining fault in auto accident.

  • Collision with a lawfully or an unlawfully parked vehicle
  • Rear end collision
  • Out of lane collision
  • Failure to signal
  • Failure to proceed with due caution from a traffic control signal or sign
  • Collision on wrong side of road
  • Operating in the wrong direction
  • Collision at an uncontrolled intersection
  • Collision while in the process of backing up
  • Collision while making a left turn or a U-turn across the travel path of a vehicle travelling in the same or opposite direction
  • Leaving or exiting from a parked position, a parking lot, an alley or driveway
  • Opened or opening vehicle door(s)
  • Single-vehicle collision
  • Failure to obey the rules and regulations for driving
  • Unattended vehicle collision
  • Collision while merging onto a highway or into a rotary
  • Non-contact operator causing collision
  • Failure to yield the right of way to emergency vehicles when required by law
  • Collision at a “T” intersection (you entered from a side road)

For more information regarding Massachusetts automobile insurance, utilize us at MassQuotes. You can also contact the Massachusetts Division of Insurance Consumer Hotline at 617-521-7777 ir visit their website at:  www.mass.gov/doi. For more information regarding your driving record, call the Massachusetts Merit Rating Board at 617-351-4400 or visit their website at www.mass.gov/mrb.

MA Term Life Insurance

We recommended term life insurance when it comes to family protection.

It’s the simplest, most affordable, & most pure type of life insurance product.

The concept is:  you decide on a face value and a term for your life insurance policy.

The term can be: 10 year term, 20 year term or 30 year term. The longer the term, the more expensive the annual premium.

Face values for the life insurance policy typically range from $250,000 to $500,000 to $1,000,000 and more.

Call or click us today to get your free, no obligation MA term life insurance quote.

 

MA Insurance Company Spotlight: Safety Insurance

This is the first in a series of Massachusetts Insurance Company Spotlights:

In 2012 searching for insurance in the great Commonwealth of Massachusetts can be a sometimes difficult and often confusing adventure.

Certainly, it is hard to escape the advertisements from all the companies vying for your MA auto insurance business. Companies saving you 15% or an average of -$250. Some companies advertise their “discount program reviews, disappearing deductible, or accident forgiveness” programs.

Spokesmen include: an NFL quarterback, a made for tv president, a zany, gal next door (rhymes with “glow”), companies are trying to attract your MA auto insurance dollars.

In an attempt to demystify the marketplace, this week we take a look at:

Safety Insurance-

Safety Insurance is an A rated domestic (home office in Boston, MA) insurance company that has long been know for their strong agency and community ties.

Safety Insurance was named to the 2011 Ward’s 50 group of top performing companies. Ward Group is the leader of benchmarking and best practices services for the insurance industry. This was the fourth straight year Safety Insurance has been included among Ward’s Top 50.

The Boston Globe recognized Safety Insurance for the seventh straight year in The Globe Top 100, an annual list which ranks the best performing companies based in MA.

As a Massachusetts independent insurance agency, we find Safety Insurance friendly, responsive, and fair.

They have been MA auto insurance industry leaders, rate-wise, with their account discounts, electronic commerce programs and their Safety Shield and Safety Shield Plus discount programs.

Call or click us today and we will be sure to provide you a MA personal auto insurance rate with Safety Insurance, along with multiple other Massachusetts insurance companies.