photomhs, Author at MassQuotes

Shopping for MA Auto Insurance?

MassQuotes.com is your internet insurance website for finding the most competitive Massachusetts Auto, Home & Life Insurance.

MassQuotes utilizes the power of your local, independent insurance agent to shop for the best coverage and the best rates with the best companies.

Your MA independent agent writes with numerous companies and will be able to package your policies for the best premiums.

Your insurance agent should be able to help you with the MA Registry of Motor Vehicles.

Your MA agent will advocate for you at claim or billing time.

To find the best Massachusetts auto, home or life insurance rate: call or click us today!

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 Independent Insurance Agent Advantage

Does it matter where you buy your Massachusetts insurance?

Yes!

Buying Massachusetts insurance isn’t like buying bread or milk.

Insurance is an important safety net for your family, your home, your car & your business. Do not treat your insurance purchases lightly.

Buying online from a company not familiar with Massachusetts could cost you money, service, and protection.

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, 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.

There Is A Difference between your Massachusetts Independent Insurance Agent and buying from a company not familiar with Massachusetts.

MassQuotes: Your Massachusetts Independent Agent Source.

Call or click us today.

Did we mention discounts?

Utilizing the power of the independent Massachusetts insurance agent, Massquotes offers many discount programs including:

Good Driver
Multi-car
Account
Pay in full
Low Mileage
Company Loyalty
Group & Alumni programs
AAA
Advanced Driver Training
Good Student
Away at school
Age 65+
e-customer
Public Transportation
Advance Issue … and more.

Please call or click us today for your free MA insurance discount review.

Summer (Law) Suit

In Massachusetts, it’s almost that season again: lawn work, summer vacation, sun screen, bathing suits and … law suits!

You have liability coverage for your liability exposure on your auto and you have personal liability coverage on your home, apartment or condominium coverage but do you have a Personal Liability Umbrella Policy?

A $1,000,000 – $5,000,000 Personal Liability Umbrella Policy is coverage that “sits-over” auto and home liability limits.

An umbrella policy is a relatively inexpensive way to help you protect your assets.

Fires Do’s & Don’ts … for Safety’s Sake:

Do’s:

Make sure that everyone knows two ways out of every room. Teach children to crawl on their hands and knees in an effort to stay low under smoke. Close doors behind you to slow the spread of fire and smoke. Plan a meeting spot outside the house, at a neighbor’s or in a special place in the yard a good distance from the house. Teach kids that once they get outside, they should stay outside. Hold frequent fire drills, including some at night and make sure everyone is following the plan perfectly. Assign someone to call 9-1-1. Smoke alarms save lives. Install a smoke alarm outside each sleeping area and on each additional level of your home. Replace the batteries every six months.

Don’ts:

Do not rely on one way to escape from your home. Do not forget about the levels of your home. Consider escape ladders for sleeping areas on the second and third floor. Do not assume everyone will remember how to exit your home during a fire. Practice your ascape plan at least twice a year. Do not reenter a burning building. Nothing is as valuable as your life. Do not open a door without feeling it first. If it is warm, the fire is nearby and you could cause the greater risk of spreading the fire and injuring yourself.

Price is important but …

At point of claim does anyone care about how much their premium was? Choosing the coverage and insurance program that is right for you is most important. Your insurance company’s financial rating is also important.

No matter what rate a company offers for coverage, it is useless if they can’t pay a claim. There are many rating organizations, the most popular being A.M. Best. Most use a rating system A through F. Ratings reflect the financial security of a company based upon the financial information they are required to submit to the state.

Massachusetts home, auto, life & business insurance

MassQuotes.com is your online, MA insurance resource.

We utilize the power of the Massachusetts independent insurance agent to find you the best coverage, the best rates, with the best companies.

We offer rates for Massachusetts home insurance, auto insurance, life insurance and business insurance.

Call or click us today.

MA Auto Insurance “Accident Forgiveness”

Many Massachusetts auto insurers now offer “Accident Forgiveness.”

Some companies make you buy it, some companies make you earn it.

Some companies will only include Accident Forgiveness if you have a perfect driving record, some will include it if you’ve had up to one previous accident.

Another company will give it to you only if you have a perfect driving record AND you’ve been insured with them for four years.

What is Accident Forgiveness?

Accident Forgiveness does not erase accidents already on your driving record. Instead, if you have the endorsement on your policy they will forgive future at-fault accidents.

Are all insurance companies’ Accident Forgiveness program the same?

No. Each company offers the program only to certain drivers. New drivers, or new insurers, or those with multiple accidents may not qualify.

Consumers placed with a company through the M.A.I.P. program may not qualify either. Check with your agent or company to see if you qualify.

Does Accident Forgiveness make sense for you?

Sometimes the Accident Forgiveness program is bundled with the “Disappearing Deductible” endorsement. Sometimes it makes financial & coverage sense to include the endorsement and increase your collision deductible.

We will be happy to show you different coverage and premium options.

MassQuotes: MA Auto and Home Insurance

There are many insurance websites that collect information and sell that information to different outlets.

MassQuotes is different.

MassQuotes utilizes the power of the independent Massachusetts insurance agent, but your information will never be used, or sold, for any purpose other than to supply you with the requested insurance information.

You will never receive an uninvited solicitation from anyone as a result of MassQuotes service.

Your MA independent insurance agent:

Excellent service and competitive prices from multiple companies.
Unlike other agents, your independent MA insurance agent is not beholden to any one company; thus, you don’t need to change agents as your insurance 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 MA insurance coverage and discount 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.
Treats you like a person, not just another number.

Call or click us today for you free, no obligation Massachusetts insurance review!