MassQuotes Advantage

MassQuotes Advantage

At, 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 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


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.

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.

Massachusetts Renters Insurance

MA Apartment Insurance

It’s common knowledge that if you own a home, you most likely need homeowners insurance to protect your investment and belongings. But if you rent a home or apartment, there’s a misconception that you don’t need similar insurance protection.

This is far from the truth. Renters insurance protects you from damage or loss of your personal belongings just like homeowners insurance.

Let’s imagine there’s a fire in the apartment building where you live. Your landlord’s insurance surely will pay for damage to the property, but none of the contents inside will be covered. You could be left with nothing, nowhere to live and no money to restart.

Renters Insurance Is Similar to Homeowners Insurance

If there is a fire, theft, storm damage, or accident where you live, renters insurance, like homeowners insurance, can cover your loss. But unlike homeowners insurance, renters insurance doesn’t cover the property since you don’t own it. It does cover your personal belongings, offer liability coverage, and provide additional living expenses.

  • Personal Belongings. All the items you own, including furniture, clothes, and any other contents are covered by your renters insurance for any insured disaster. Most standard polices cover your items at actual cash value, meaning the amount the item is worth at the time of damage or loss. Replacement cost coverage pays out what similar new items cost without factoring depreciation.
  • Liability Coverage. This is usually standard with renters insurance, just as it is with homeowners insurance. Liability coverage protects you from legal claims that may arise from injuries to others or their property. For example, if your dog bites your friend, your liability coverage will pay his medical expenses up to the policy limit.
  • Additional Living Expense – Your renters insurance will usually pay for hotel and meal expenses should you need to relocate while damage is repaired.

What Renters Insurance Doesn’t Cover

Be sure you read your policy carefully. There are disasters that usually aren’t covered, including floods, earthquakes and hurricanes. If you live in a high-risk area for these, you may want to buy supplemental insurance to cover you.

How Much Will It Cost to Replace all Your Belongings?

This is the question you need to answer when deciding how much renters insurance coverage to purchase. Let’s go back to the fire in your apartment building. Assume it was a total loss and you have nothing left. Do you know how much your belongings were worth? You might be surprised to realize just how much you have.

Take an inventory of everything you own by making video or shooting photographs. Also save receipts and owner’s manuals for large purchase items, if possible, and keep the information safe at an offsite location.

How Much Does Renters Insurance Cost?

Renters insurance is typically much less expensive than homeowners insurance, yet it can bring you the same protection. According to the Insurance Information Institute, renters insurance premiums usually range from $200 to $250 per year.

Of course the actual amount will depend on where you live, the coverage amount you choose, supplemental coverage, discounts, and the deductible (the amount you’ll pay for damages before your insurance kicks in). Remember, the higher the deductible the lower the premiums.

Call, Click or Stop by for a Massachusetts Apartment Insurance Policy Today

The good news is as your independent insurance agent, Smith Insurance is here to help. If you find yourself the victim of a fire, theft, or other insured disaster, we want to make sure you are covered. Having renters insurance can help bring you peace of mind today and protect you tomorrow when you least expect it.

Call or click for a free, no-obligation quote. We’ll help you get the coverage you need before you need it.

Personal Liability Umbrella Insurance

Massachusetts Personal Liability Umbrella Coverage

What Umbrella Insurance Is and Who Needs It

Insurance policies can be confusing, so it’s nice when you can at least understand what their names mean. Umbrella insurance provides us with a perfect example a self-explanatory name.

On the most basic level, insurance policies and umbrellas perform the same function: protection. Insurance protects you from financial hardships and an umbrella protects you from nasty weather.

A cynic might argue that insurance is just a waste of money because you don’t receive anything tangible from it unless something bad happens. These folks would rather keep their money or spend it on other things than protection against the risk that something might happen.

To counter this argument, we once again refer to the umbrella analogy. Do you really need to buy an umbrella? No. It’s not essential to survival; however, who is going to be happier outside when it does inevitably rain? It’s fair to say that the person covered by an umbrella is likely happier for being prepared.

Shelter from the Storm

Umbrella insurance can be thought of as insurance on your liability insurance. If you are ever sued for negligence, for example, umbrella insurance is normally capable of covering many, if not all, of the often unpredictable expenses you are most likely to incur.

In addition to legal representation, you might need to pay for property damages, medical bills or lost wages due to negligence.

Perhaps the biggest reason to have umbrella insurance is that it can serve to protect you from having your personal assets, financial savings or even your home seized in order to pay legal fees and other possible costs resulting from your negligence.

Some of the basic information you will most likely be required to provide when inquiring about umbrella insurance include:

  • Name, date of birth, sex, marital status, occupation, driver’s license information.
  • Accident and violation data for the last five
  • Current insurance information, including the company, your expiration dates, and claims and losses for the past five y
  • Listing of other assets you own, including recreational vehicles, rental property and land.
  • Listing of watercraft, aircraft and other vehicles you own or use for business purposes.
  • Listing of all business activities conducted in your household, if any, as well as on other property you own.

Who Needs Umbrella Insurance?

So, who needs umbrella insurance? Anyone who has a liability insurance policy against which he or she could be sued for negligence, such as a vehicle or home, would be doing themselves a favor by at least considering additional umbrella coverage.

A negative stereotype associated with umbrella insurance is that, like a live-in maid, it is a luxury only the wealthy among us can afford. Two of the reasons why this is a misconception are that, one, anybody can be sued, and two, umbrella insurance is affordable protection no matter what your budget.

In fact, the Insurance Information Institute says that personal liability coverage of about $1 million can be purchased for as little as a few hundred dollars a year. So, since pretty much anyone can be sued, and pretty much anyone with a job can afford it, umbrella insurance coverage might be a smart purchase before the financial storm hits.

Call, Click or Stop By MassQuotes for more information about Massachusetts Personal Liability Umbrella Coverage.

Real Time Massachusetts Auto Insurance Quotes


MassQuotes is your site for Massachusetts Insurance.

Our Independent Agents utilize numerous companies to rate your auto insurance and find you the best coverage and discount options.

When you submit a quote request through our website, you will receive up to 2 “real time” quotes.

These quotes will be from Vermont Mutual Insurance and Safety Insurance.

In addition to these companies, our Massachusetts Independent Insurance Agents will rate you with numerous other companies.

Please call or click us today.

You’ll be happy you did.

Brought to you by the friendly, helpful independent insurance agents participating in!


Massachusetts Home Insurance Checklist:

Massachusetts Home Insurance Checklist Massachusetts Home Insurance

Every year Massachusetts home insurance consumers should take a few minutes to review your coverage and premium.

As life changes, home insurance needs change as well.

MassQuotes offers our Massachusetts Homeowner Renewal Checklist:

  • Do you own jewelry, furs or watches with values over $1,000?
  • Do you own silverware with a total value of over $2,500?
  • Do you have a collection of valuables, including: coins, stamps or other?
  • Do you own any of the following: Musical Instruments, Fine Arts or Antiques, Camera Equipment, Sports Equipment, Personal Computer?
  • Do you own a boat?
  • Is there a trampoline on your property?
  • Do you have any tools, equipment or other property used in your business or occupation?
  • Would you like your insurance to provide: Replacement Cost Protection on your Dwelling, on your Personal Property, Credit Card/forgery protection, Ordinance or Law coverage, Earthquake coverage?
  • Flood is not a covered loss on a homeowner policy. Would you like to obtain rates for flood insurance? Also excluded from coverage are such things such as: rot, mold, mildew or animal/vermin/insect damage.
  • Are you interested in receiving information on: Auto, Life, Excess Liability (Umbrella), Boat or Business Insurance?

Massachusetts Auto Insurance Companies

ma excise

  • Amica
    P.O. Box 9128
    Providence, RI 02940-9128

  • Allstate Insurance
  • Arbella
    1100 Crown Colony Drive
    P.O. Box 699103
    Quincy, MA 02269-9103

  • Commerce
    211 Main Street
    Webster, Massachusetts 01570

  • Electric
    75 Sam Fonzo Drive
    Beverly, MA 01915

  • Encompass
    51 West Higgins Road
    South Barrington, IL 60010

  • Geico

  • Hanover
    (Allmerica Financial)
    440 Lincoln Street
    Worcester, MA 01653-0002

  • Liberty Mutual
    175 Berkeley Street
    Boston, Massachusetts 02116

  • Metropolitan
    PO Box 350
    Warwick, RI 02887

There are different ways to purchase MA auto insurance. You can go through a direct writer, you can go through a captive agent, or we recommend you use an independent insurance agent.

The above is a partial, updated list of insurance companies that write auto insurance in Massachusetts.

To get the best rates with the best coverage with the best companies, utilize the services of an independent insurance agent.

Call or click us today!


  • National Grange Mutual
    55 West Street
    Keene, NH 03431
  • Norfolk & Dedham
    222 Ames Street
    Dedham, MA 02026
  • 781-332-7000
    One Beacon Lane
    Canton, MA 02021
  • Plymouth Rock
    695 Atlantic Avenue
    Boston, MA  02111
  • Premier
    One Chestnut Place

    10 Chestnut Street, Ste 300
    Worcester, MA 01608
  • Progressive
  • Quincy Mutual
    57 Washington Street
    Quincy, MA 02169
  • Safety
    20 Custom House Street
    Boston, MA 02110
  • State Farm
    1 State Farm Plaza
    Bloomington, IL 61710
  • USAA

    PO Box 659464
    San Antonio, TX 78265