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 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.

Contact us at MassQuotes if you have any questions or concerns about your MA auto insurance policy.

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!

Buckle Up!

Massachusetts has a seat belt law with the motto: “Click it or ticket.”

There are other reasons to buckle up, as well.

Buckle Up Yourself & Buckle Up Your Kids!

Kids learn by example when it comes to buckling up. Research shows that when a driver doesn’t wear a seat belt, 70 percent of the time children riding in that car are unbuckled, too. for your MA insurance needs is your website for Massachusetts auto insurance, home insurance, business insurance, or life insurance.

We provide free, no-obligation MA insurance quotes.

We uitilize the power of the independent MA agent and shop with multiple companies to find you the best insurance coverage and premiums.

Call or click us today for your free, no-obligation Massachusetts insurance quote.

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: For more information regarding your driving record, call the Massachusetts Merit Rating Board at 617-351-4400 or visit their website at

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.