Term Life Insurance

Term Life Insurance

Term life insurance rates are so low right now that, if you can get in a more preferred category, extend your policy term, and pay less money, then it may be worth the effort (application & medical exam etc.) to re-apply.

If you have a policy, you might want to get a quote.

(Then you may want to re-apply.)

Extend your term, lower your premium.

If you don’t have a term life policy, then you definitely want to get a quote!

Take a moment. Talk to anyone, talk to everyone.

You’ll find: term life insurance is the way to go.

Term life gives you the most “bang for your buck.” The most coverage for the least expense.

Term life insurance can be a great solution for family protection, as well as other things.

Call or click to discuss.

 

Notes from the Claims Desk

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Presented by Safety Insurance:

The winter of 2015 produced record snow fall and extremely cold temperatures. This combination resulted in a catastrophic number of ice dam claims. With winter weather quickly approaching, now is a good time to prepare our homes and businesses to minimize winter weather threats. Taking a few preventative measures now will help your policyholders get through the upcoming winter.

Ice Dams

What is an ice dam? An ice dam is an accumulation of ice at the lower edge of a sloped roof, usually at the gutter. When interior heat melts the snow on the roof, the water will run down and refreeze at the roof’s edge, where temperatures are much cooler. Eventually, the ice builds up and blocks water from draining off of the roof. This, in turn, forces the water under the roof covering and into the attic or down the inside walls of the house or other structure. Once an ice dam forms, the potential damage can be serious. Taking the following steps will decrease the likelihood that ice dams will form or, at least, will reduce their severity.

• Keep the attic well ventilated. The colder the attic, the less melting and refreezing on the roof.
• Keep the attic floor well insulated to minimize the amount of heat rising through the attic from within the house.
• If heavy snow does accumulate on the roof, have the snow removed from the outer edge.

Frozen Pipes

Frozen water in pipes can cause water pressure buildup, which eventually will lead to pipes bursting at their weakest point, causing water damage to your home or business.

To keep water in pipes from freezing, take the following precautions:

• Keep the temperature in your home or business above 65 degrees at all times.
• Fit exposed pipes with insulation sleeves or wrapping to slow the heat transfer.
• Seal cracks and holes in outside walls and foundations near water pipes with caulking.
• Keep cabinet doors open during cold spells to allow warm air to circulate around pipes, particularly in the kitchen and bathroom.

Heating

Heating equipment is one of the leading causes of house fires. With a few simple safety tips you can prevent most heating fires from occurring.

• Have your furnace and oil tank serviced annually.
• Have your wood stove inspected before seasonal use.
• Keep the area around your heating system clear of debris and flammable materials.
• Turn portable heaters off when you leave the room or go to sleep.
• Install smoke and carbon dioxide detectors in your home and check the batteries twice a year.

Candles

An open flame easily can ignite anything that can burn. The following precautions will help prevent candle fires.

• Do not leave lit candles unattended.
• Have a flashlight ready during a power outage; never use a candle.
• Keep candles at least 12 inches from any flammable materials.
• Place candles in a holder on a sturdy uncluttered surface.

MassQuotes Advantage

MassQuotes Advantage

At Massquotes.com, we utilize Independent Insurance Agents to provide quotes from numerous companies for auto, home, & term life insurance. Our Agents offer the best service and the best rates with the best companies. We quote insurance only in the State of Massachusetts and welcome inquiries from Independent Agencies. Our Agents provide Registry service as well as coverage advice.

Competitive Auto Rates Are Here!

At Massquotes.com we will rate your insurance with, at least, seven different companies. We utilize Professional, Independent Insurance Agents that will assist you in finding the best rates, the best insurance programs, with the best insurance companies that do business in Massachusetts.

We utilize Independent, Professional Insurance Agencies that will assist you in finding the best rates, the best insurance programs, with the best insurance companies that do business in Massachusetts.

Massachusetts Registry of Motor Vehicles Online Services

MA RMV

The Long Massachusetts Winter

Mass Quotes The Long Massachusetts Winter

It sounds like an Updike novel or Thoreau pondering but instead is what it’s been as evidenced by the date of our last Massachusetts insurance web log update.

Tonight there’s snow in the forecast. The local news meteorologist looks like he’s losing his mind. He needs a haircut. A new suit, and maybe a sandwich.

In fact, he looks alot like your local independent insurance agent.

It’s been a long winter.

Still, just like the Easter Bunny came last week, regardless of the shady snowbanks, and there is reason to have hope.

With that in mind let’s remind our faithful readers:

Massquotes rates your insurance with, at least, seven different companies. We utilize Professional, Independent Insurance Agents that will assist you in finding the best rates, the best insurance programs, with the best insurance companies that do business in Massachusetts.

We utilize Independent, Professional Insurance Agencies that will assist you in finding the best rates, the best insurance programs, with the best insurance companies that do business in Massachusetts.

Call or click us today …

You might be glad you did.

MA Life Insurance

MA life insurance

Do you have a Massachusetts term life insurance policy already in effect?

If so, you may want to re-apply.

Term life insurance rates are extremely low right now.

If you can get in a more preferred category, extend your policy term, and pay less money, then it may be worth the effort (application & medical exam etc.) to re-apply.

Please call or click us to discuss.

Why An Independent Insurance Agent?

Insurance Agents Love Cats

Some people think it doesn’t really matter where they buy their Massachusetts insurance. This misconception is most likely costing them money, service, and protection.

Buying a Massachusetts insurance policy isn’t like buying bread or milk. Insurance is an important safety net for your family, your home, your car and your business.

Don’t treat your purchase lightly!

There are three sources to go to for your Massachusetts insurance protection:

  1. Captive Agents, who sell insurance for only one company.
  2. Direct writers & telephone representatives, who can offer you the insurance of one company, and only on the internet & telephone.
  3. Independent MA Insurance Agents, who represent an average of eight insurance companies, and shop to find you the best combination coverage and price.

Your Massachusetts 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.
  • Unlike other agents, your Independent Insurance agent is not beholden to any one company; 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, lifeand 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.

There Is A Difference between Massachusetts Independent Insurance Agents and Captive Agents.

Call or click us at Massquotes to get your free MA insurance quote.

Hey, Massachusetts: Are We Having Fun Yet?

Massachusetts Insurance

Our Massachusetts Insurance Agency is inundated with homeowner and auto insurance claims. Ice dams are flowing, pipes bursting, cars are hidden behind snow banks and icy roads are making driving slippery.

Our Agency phone keeps ringing and we keep reporting claims to our clients’ different insurance companies.

The only ones with weary smiles on their faces are the contractors, glass companies and plow guys.

The rest of us are left to ask: Are we having fun yet?

The answer, here at MassQuotes, is a resounding: Yes! We are having “fun.” This is why people have insurance. This is why we are here. This is what we do.

We have insurance to protect us from catastrophic events. We sell insurance to protect people from unforeseen disasters. We are here to take claims, advise and help through times of distress.

How are you doing with all this Massachusetts weather?

The time to review your insurance is before you have a problem.

Call or click us at MassQuotes. We love this stuff.

Does the Type of Car I Drive Make a Difference?

MassQuotes Massachusetts Auto Insurance

How Does the Make of Car Affect What I Pay for Car Insurance?

When deciding to buy a car, you probably factor in make, model, price, safety features and more. Car insurance may not be something you consider, but did you know that the make of a car may entitle you to an auto insurance discount?

Buy a vehicle that is popular with car thieves, and you may pay more for auto insurance, unfortunately. Buy one that has proved to experience less damage in rollover accidents, and you may save money. Buying a safer car or one that isn’t prone to theft won’t have the same impact on your premium as your credit rating or driving record, but it can affect the bottom line.

Factors that Determine If a Vehicle Qualifies for Car Insurance Discounts

There are a number of factors that determine whether the make of a car, including the model and the year, qualifies for a car insurance discount.

  • Safety and Crashworthiness: Safety is the primary reason why the make of the car is so important in determining if it qualifies for an auto insurance The Insurance Institute for Highway Safety has tested the “crashworthiness” of every make and model. Based on the safety and protection a car provides in a crash, make of car and model qualifies for a range of car discounts. It is very possible that the collision insurance premium for an inexpensive car may be higher than that of a more expensive one, based on its crashworthiness, as determined by industry data.
  • Theft Rate: The insurance industry compiles theft data for all makes of cars and models by production This information is used to develop rating symbols that correspond to factors that companies use to modify the insurance rate for specific makes, models, and model year.
  • Cost to Repair: The insurance industry also compiles accident data (type of accident, damage done and cost to repair) for all makes of cars and models by production This information is used as well to develop rating symbols that correspond to factors that companies use to modify the insurance rate for specific makes, models, and model year.
  • Car Type Factors: There are rating factors that some insurance companies use to modify the rates for types of vehicle, depending on whether their performance is classified as standard, intermediate, high or premium.

Based on all these factors, an insurance company may apply a range of car insurance discounts to certain makes of cars. Each insurance company applies them differently.

Are There Types of Cars that Do Not Qualify for a Car Insurance Discount?

High performance or foreign/exotic sports car will most likely not qualify for a car insurance discount, and neither may a classic red Mustang convertible. These types of cars have a high theft rate and may have a high accident history as well. Some conservative companies will not even insure such high-risk cars.

Which Car Insurance Coverage Is Most Influenced by the Make of Car?

There are many components to a typical auto insurance policy, but the three that can be affected by the make of your car are liability, collision and comprehensive, which protects against theft and vandalism, among other things. The premium for collision coverage may see the biggest impact since most car accidents involve a collision and a car’s safety is directly related.

What Can I Do to Make Sure I Qualify for a Car Insurance Discount?

If your heart isn’t set on a particular make or model, call us before you buy a car. Not all insurance companies are alike, and since we have established relationships with XX auto insurance carriers, we will find the company that’s right for you—and your car. Let us help you determine the most cost-effective way to insure your new vehicle.

MassQuotes: Massachusetts Insurance

Pros and Cons of Great Insurance Service

MA Insurance Agents

Independent insurance agents, unlike insurance agents employed by a large national insurance provider, have access to many insurance companies. Agents who work for a big insurer can only offer you insurance plans provided by their company. Independent insurance agents, however, work for you, and they have access to many different insurance companies. They can help you shop comparatively for insurance that address your coverage and budget needs.

Pros of Working with Independent Insurance Agents

Members of Your Community Who Care. Independent insurance agents are, for the most part, members of your own community. They are small-business owners or they are employed at a small, independent insurance agency. They depend on word of mouth, for the most part, so they offer a high level of personal customer service.

Price Shop for You. Independent insurance agents will take the time to get to know you and your personal situation so they can best represent your interests when seeking insurance quotes on your behalf. They will make an effort to understand your driving record, insurance coverage history, marital status and other personal information that they will use to represent your application to the insurance providers with whom they work.

You Are Not a Number. With an independent insurance agent, you are not dealing with a telephone team that changes each time you call. You are more than a file to most of them. They take your business personally and return phone calls and emails promptly.

Help with Claims. Independent insurance providers can provide a helping hand when you need to file a claim. They advocate for you if you are involved in a car accident and need to file a claim. They will help you deal with the claims adjuster, offer support through the claims process and help you deal with the insurance company.

Fulfill All Your Insurance Needs. Independent insurance providers often offer a wide range of products to their customers, serving as a one-stop shop for everything from car insurance to business liability insurance to homeowners’ insurance.

Periodic Policy Review. As your needs change, they will help you adjust your insurance accordingly. They also periodically can review your insurance policy to see if it is still serving your coverage needs.

Cons of Independent Insurance Agents

While all independent insurance agents are licensed professionals, just as in any profession, there can be bad apples. But it’s rare to find an agent whose primary motivation isn’t helping customers get the insurance protection they need. You can check your local Better Business Bureau, Chamber of Commerce or online review sites to learn more about the independent insurance agent you are considering.

Ask MassQuotes to Review Your Policies Today

It costs you nothing to call or click us at MassQuotes.Our Massachusetts Independent Insurance Agents will review your insurance policies to make sure you have the coverage you need at a price you can afford. Contact MassQuotes today for a free, no-obligation quote.