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.

Happy New Year from MassQuotes

MassQuotes provides Massachusetts residents with free auto insurance, home insurance and life insurance quotes.

We write insurance only in MA and utilize the power of the independent Massachusetts insurance agent.

We would like to take a moment to thank everyone for making 2011 a terrific year!

Happy New Year from MassQuotes.

For your free MA auto, home or life insurance quote,

Call or click us today!


Happy Holidays!

Thank you to everyone who has helped make 2011 a great year for our Agency, Johnson & Rohan Insurance, this website and for Massachusetts Auto Insurance!

As witnessed by the huge vendor turnout at the annual MA Agent convention, The Big Event, Massachusetts remains a viable target for auto insurance products.

Technologies have increased the Mass. insurance agent’s ability to quote quickly and accurately: Kudos to the folks at Boston Software!

Auto insurance companies that write in MA now offer valuable insurance programs such as: accident forgiveness and disappearing deductibles. Different companies have different variations of these products and it is important to determine which is right for you.

Some companies require you have a perfect (or near perfect), experienced driving record before you qualify. Some companies require you have been insured with them for a certain number of years.

If you have any questions regarding your Massachusetts Auto Insurance Policy, please give us a call (or click) today!

Shopping For Massachusetts Insurance?

If you’re shopping for Massachusetts home and auto insurance, then you have arrived at the right place.

By packaging home (condo or apartment) insurance coverage with the same company you have your auto insurance you can save a ton of money.

At MassQuotes we utilize the power of the Massachusetts independent insurance agent. MassQuotes shops for MA home and auto insurance with some of the best companies.

One of our MA companies saves you 20% on home insurance and 15% on auto insurance if you package togethor. In addition, if you sign up for their “e-customer” product you can save an additional 7% on the auto and 5% on the home insurance.

Give a call or click us today!

Christmas Tree Safety Tips

This Christmas season be fire smart.

Following please find some of our Christmas Tree Safety Tips:

  1. Choose a tree with fresh, geen needles that do not fall off when touched.
  2. Place tree at least three feet away from any heat source, like fireplaces, radiators, candles, heat vents, space heaters, or lights.
  3. Make sure tree is not blocking an exit.
  4. Be sure to add water daily to the tree stand.
  5. Use lights that have the label of a testing laboratory. Some lights are only for indoor or outdoor use.
  6. Replace any lights with worn or broken cords or loose bulbs.
  7. Never use lit candles to decorate the tree.
  8. Always turn off Christmas tree lights before leaving home or going to bed.

Happy Thanksgiving – Turkey Frying Safety Tips

Happy Thanksgiving! This happens to be our own, personal favorite holiday of the year. No work, food and family. No pressure of gifts and a built-in excuse, no, obligation, to go for second or third helpings, desserts (plural), and authorized nap. Seriously, what could be better?

The US Fire Administration reports over 4,000 Thanksgiving Day fires each year related to turkey frying accidents.

Turkey Frying Safety Tips:

1. Turkey fryers should always be used outdoors and a safe distance from buildings and flammable materials.

2. Do not use your turkey fryer in a garage or on a wooden deck.

3. Use your turkey fryer on a flat surface to reduce accidental tipping.

4. Never leave your fryer unattended, if you do not watch carefully, the oil can continue to heat until catching fire.

5. Do not let children or pets near the fryer even if it is not in use. The oil can remain dangerously hot hours after use.

6. Do not overfill the fryer.

7. Use well-insulated potholders or oven mitts and wear safety goggles to protect your eyes from oil splatter.

8. Make sure the turkey is completely thawed! Oil and water do not mix, and water causes oil to spill over causing a fire or even an explosion hazard.

9. The National Turkey Federation (NTF) recommends thawing the turkey in the refrigerator approximately 24 hours for every five pounds in weight.

10. Keep a fire extinguisher nearby.

11. Never use water to extinguish a grease fire!

Shop for Massachusetts Auto, Home & Life Insurance 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!