Save On Auto Insurance


Top 5 Benefits of Using an Independent Insurance Agent

No one loves shopping for insurance.  It can be confusing, complicated and hard to figure out exactly what you need. On one hand, you want to save money, but on the other you want to make sure you and your family are fully covered. An independent insurance agent can help with all of these concerns and so much more. Here are the top 5 benefits of using an independent insurance agent:

  1. Cost! – An independent insurance agent can shop around for you from multiple carriers.  They are able to look for the best combination of price, coverage and service by having a huge selection of carriers to choose from.  An agent does the work for you to find you the best price.
  1. Their loyalty lies with the customer. – Unlike captive agents, who are committed to the one carrier they must sell policies for; independent agents are committed to making the customer happy.  Their livelihood depends on getting the customer the best price, and providing the best customer service.  They have no parent company they have to sell policies for, so if your premium goes up after a year, they can run rates for you with other carriers to find you a better price.
  1. One-stop shopping network. – With one call, an independent agent can provide you access to multiple lines of coverage from auto, homeowners, rental, life, pet insurance and more.  They also offer discounts for bundling your insurance needs.
  1. Becomes an advisor for present / future assets. – Your agents will be able to adjust your insurance based on your needs.  They are trained in knowing how to get you the best coverage and price, without being under-insured OR over-insured. Having an agent can help you navigate through your changing insurance needs.
  1. Help with the claims process. – As the insurance industry is complicated with a lot of technical jargon, it can be hard to understand the claims process. An independent agent can speak directly to the insurance carrier for you to help get any questions about your claim addressed.

Need more reasons to have a MassDrive agent working for you? Contact us at (866) 963-8231 or go to MassDrive.com and fill out a free quote today.

 

Top 5 benefits on independent agent

Wondering How You Should Spend Your Tax Return? Put It Towards Your Insurance!

tax return

Who doesn’t love getting a nice check back from the government after tax season? Although it may be tempting to head to the mall for a shopping spree or buy that TV you’ve had your eye on, putting your tax return towards insurance is a smart choice that may save you a lot of money in the future!  Believe it or not, the more you spend up front, the more you can save!

If you have a few extra bucks after tax season, call up your insurance agent and ask what your options are.  They may suggest increasing your coverage, which may in turn lower your monthly payments!  Although you would have to pay more out of pocket if you were to have an accident, you could put your tax return in a savings account just in case you ever needed to pay out your deductible.  If you don’t end up getting into an accident or using your deductible, you have that much more money in the bank, not to mention all of the money you would likely save on your monthly bill.  This sounds like an all around win if you ask us and applies to both auto and homeowner’s insurance!

Depending on how big your tax return is, you could even pay off your homeowner’s or auto policy in full!  How great would it be to not have to worry about a monthly payment for the entire year?  Not only would you be worry free, you would also get a discount for paying the policy in full!  This discount varies from carrier to carrier but typically you can save up to 5% off your premium.

Another thing you can put your money towards?  If you have a pet, why not invest in their health and get pet insurance!  Your furry friend deserves to be protected should they be a little under the weather, after all, humans have health insurance so why shouldn’t animals?  No matter how much we love our pets and look out for them, anything can happen.  They could get loose and get hit by a car, or even develop a suspicious tumor that needs to be checked out, whether they’re young or old, your pets should be covered.  If you haven’t been to the vet’s lately, it’s extremely expensive for each visit, even a simple problem such as an ear infection can run you up a few hundred dollars, for about the same price (depending on your pet’s age, breed, etc), you can cover all of your pet’s health needs for the entire year!

When it comes to insurance, the more you spend up front, the more you can save in the long run!  If you find yourself coming across a big chunk of change after tax season, give us a call at MassDrive!  If you already have a policy, talk to us about increasing your coverages, and if you don’t currently have a policy, give us a call and get a quote!  We also offer pet insurance so all members of your family will be protected!

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Are You Saving On Your Insurance In The New Year? Find Out What Discounts You May Be Eligible For!

It’s a new year and we’re busy writing new policies over here at MassDrive, but we want to make sure that you know what discounts you could be getting so you can save as much as possible!  There are many discounts available however the percentage that you can save does vary by carrier and is different for everyone, however there is an average range that most companies use and we’ve come up with the following breakdown of discounts:

  • Companion Policy Discount:  This is typically the largest discount you can get on your auto and homeowner’s policies and you get it simply by having your auto and homeowner’s insurance with the same carrier.  You can also receive this discount with renter’s or condo policies as well!  This discount can save you up to 10% on your auto policy and up to 20% on your homeowner’s, renter’s or condo policy!  Some (not all) companies even offer you a discount if you have your auto policy with them and a homeowner’s policy elsewhere, however this discount can only be applied to homeowner’s policies (not renter’s or condo) and is much smaller, typically only up to 4%.
  • Good Student Discount – This discount applies to both high school and college students and can usually save you about 10% on your auto policy but can even get as high as 15%!  However, there are some stipulations; the student must be full time and have a GPA of 3.0 or higher.  The other catch is that they have to have less than 6 years of driving experience to be eligible.  If you’re a student with your own policy or are a parent with a student on your policy, definitely ask your agent about the good student discount!  If you meet the requirements, it’s an easy way to save big bucks on your policy!
  • Low Mileage Discount – The less you drive the more you save!  The discount you can get varies and is broken down into tiers based on your annual mileage.  You can typically get the biggest discount (up to 12%) if you drive less than 7,500 miles.  After that the next tier is 7,501-10,000 miles, then 10,001-12,500 miles, but if you drive over 12,501 miles you won’t receive a discount from most companies.  The discount gets lower as you move past each tier but is a great way to save!
  • Pay In Full Discount – This one is pretty self explanatory, if you pay your auto premium in full you can save up to 5%!
  • AAA Discount – If you’re a AAA member you are eligible for up to a 5% discount with most insurance companies!  AAA is a great service to have, you never know when the unexpected may occur and you may need a tow, which can be pretty expensive if you have to pay for it out of pocket.  Getting the discount is simple, you just scan a copy of your membership card and send it over to your agent and the discount can be applied.
  • Advanced Issue Discount – This discount is a great incentive to start shopping early for insurance!  If your policy is issued at least 7 days before the coverage become effective, you can save up to 5% on your policy!
  • eDocument Discount – Receiving your policy documents electronically can get you up to 5% discount on your policy!  Go green while saving yourself some green!
  • EFT Discount – This typically goes hand in hand with the eDocument discount, but you don’t necessarily have to have both.  EFT (electronic funds transfer) allows the carrier to take your monthly payment directly from your bank account, and it can save you about $60 per year!  If you choose to remain on a standard payment plan where the bills are mailed to you, most companies charge a $5-$6 installment fee each payment (most policies typically have 10 payment installments), so the savings can really add up if you’re on the EFT payment plan which may charge a minimal to no installment fee.
  • Multi-Car Discount – If you have more than one car, you can save up to 8% by having all of your vehicles on one policy.
  • Good Driver Discount – This is offered to drivers that have a good driving record and varies from case to case.  It is based on your SDIP rating, or how many points you have on your record and can be one of the biggest discounts available to drivers depending on your record.

Next time you’re shopping for insurance, give us a call at MassDrive!  All of our agents are extremely informed and will make sure you are getting as many discounts as possible!

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What is MassDrive? VIDEO

MassDrive is a whole lot more than just Massachusetts auto insurance. We’re an independent insurance agency with multiple carriers to quote from AND a company that offers you convenience – through our extended hours and technology, we’re able to be here for you when you need us, even if that’s after 9-5 or an online quote on the go. Our agents are happy help you find a quote from our different carriers to help you find the best coverage at the best price. We help you shop different carriers so you don’t have to.

Our agents are real people who care about our customers. They’re Massachusetts residents too, so they know the challenges (and pride!) that go along with being a Massachusetts driver and resident. We also offer home, pet and boat insurance, so we can help you make sure you’re covered. Get to know our agents – watch their videos to learn more about what they love about insurance, our customers and MassDrive.

We hope you like our videos! Over the next few weeks we’ll be highlighting each agent’s video so you can learn even more about our great agents. Thank you for visiting MassDrive and happy viewing!

Think Your Car Insurance Is Expensive? Think Again!

Many Massachusetts residents may feel as though their car insurance is costing them an arm and a leg, but would you believe that Massachusetts is the least expensive state for car insurance?  According to a CBS News article by Kathy Kristof, Massachusetts tops the list for states with the least expensive car insurance, while Michigan drivers have the most expensive.

Why is this you may ask?  In Michigan Personal Injury Protection or PIP coverage is required to be unlimited.  In, Massachusetts it is a standard amount set at $8,000 for each policy.  What exactly is Personal Injury Protection?  Basically if you’re in an accident it covers the medical expenses for yourself and anyone else that may be injured (up to $8,000) in Massachusetts.  If there are still additional expenses, your Bodily Injury insurance coverage would cover the rest.  In Massachusetts the minimum coverage for bodily injury is $20,000 per person and $40,000 per accident.  Anything that your bodily injury coverage does not pay for will be billed to you personally.

Should you get into an accident that causes major damages and injuries, you would be better off to be a Michigan driver since you would be covered for an unlimited amount of medical bills.  However, that coverage is much more expensive and being a Massachusetts resident will definitely save a lot of money in the long run, especially since accidents that detrimental are rare.  In Michigan, residents put about 8% of their yearly income towards auto insurance, while in Massachusetts we put only 1.4% of our annual income towards our auto insurance!  Clearly we have a much better deal, especially if you’re an experienced driver without accidents, you likely wouldn’t need unlimited PIP coverage.

To ensure that you have the right coverage for your situation and to protect yourself should you get into an expensive accident, talk to your insurance agent about your bodily injury coverage.  As we said the minimum in Massachusetts is 20,000/40,000, but at MassDrive we personally will only go as low as 50,000/100,000 to ensure greater coverage should one of our insured get into an accident.  Since Massachusetts PIP coverage is so low, it may be better to increase your bodily injury coverage to make sure you are protected.

Even though we do have the lowest insurance in the country, obviously we are always looking for ways to save our customers even more money!  How else can you save on auto insurance?  First, look into raising your deductible.  Upping the amount you would pay immediately after an accident can save you hundreds of dollars on your premium each year.  Another thing that can save money?  Ask about discounts!  Many companies have similar discounts on insurance available such as low mileage or good student, but some also offer specialized ones that you may qualify for! Of course another great way to save money is by bundling policies together, almost all companies will give you a discount if you have both your auto and homeowner’s insurance with them!

The best tip we can offer to save money on insurance is to shop around!   There are many different insurance providers out there and all of them assess risk differently which is why one company may give you a quote that is drastically lower or higher than your other quotes.  Here at MassDrive we work with major carriers in MA such as Commerce, Travelers, and Plymouth Rock, as well as additional smaller companies.  Give us a call  at (866) 963-8231 or go online for a quote, our agents will always work to find you the best quote and coverage possible!

Photo By: 401 (K) 2012

 

 

 

Protect Yourself Against Auto Theft While Saving On Your Insurance!

Did you know that over 30,000 cars were stolen in Massachusetts last year alone?  That’s a lot of stolen cars and even more of an inconvenience for the victims of theft.  If this were to happen to you, what would you do?  Would you know who to call or if you were even protected against theft in your insurance policy?  The tips and information that follow will set you in the right direction should your car get stolen, and will tell you how to prevent it from being stolen in the first place.

Many people believe that standard liability coverage will protect them should their car get stolen, however this is not the case.  The only coverage that can protect you against auto theft is comprehensive coverage.  This coverage applies to the loss of the vehicle as well as any parts that might be stolen, such as the air bag.  Comprehensive coverage also protects you against fire, vandalism, and weather related damage.

Although comprehensive coverage is not mandatory, it is recommended especially if you have a new or high value car.  In fact, having comprehensive and collision coverage can get you a discount of up to 20%  from your insurance company!  Another way to get a discount?  Having an auto recovery device such as LoJack or OnStar can also get you an anti-theft discount of up to 25%.  These devices allow law enforcement to track your vehicle through a transmitter, which will hopefully lead to it’s recovery.

Of course the best way to protect yourself against auto theft is to take simple steps the make sure your vehicle is not a target.  Definitely don’t leave any valuables in the car, especially if they are visible through the window, this makes you an easy target for car thieves.  Also, try to park in well-lit areas whenever possible, thieves will be less likely to try and break into your car if there is more of a possibility that they will be seen.  Of course locking your doors and setting an alarm are great deterrents as well.

If your car does happen to get stolen, call the police first!  Your insurance company will not process a claim for a stolen vehicle unless there is a police report.  After you call the police, contact your insurance company and let them know what happened.  Make sure to have your policy number ready when you call so that they can easily assist you.

Lastly, if you happen to witness an auto theft, call the Governor’s Auto Theft Strike Force at 1-800-HOT-AUTO.  It is a confidential and toll free auto theft tip line that gives Massachusetts residents the opportunity to combat auto thieves.  If you provide information to this hotline that leads to the arrest of a car thief or the location of a chop shop, you could receive a confidential cash reward of up to $10,000!  That’s a serious benefit for doing some good!  Reporting an auto thief or chop shop makes life easier for everyone, because these theives not only affect the victims of their auto theft, but everyone who lives in that town.  The more theft and accidents that occur in a town, the more expensive the insurance premium will be for every resident of that town.

Car thieves are a problem for all of us, make sure that you are protected under your insurance policy, and if you witness an auto theft in person, call the Governor’s Auto Theft Strike Force, not only could you potentially stop a car thief, but it could lead to a reward!  Sounds like a win-win situation all around!

Photo By: Foxtongue

 

Make Good on Your New Year’s Resolution: Ways to Save on Massachusetts Auto Insurance Rates

Save on Auto Insurance

With 2012 right around the corner, many of us are dreading the credit card bills that can hit us hard after the holiday season.  While there may be many resolutions you aspire to achieve in the coming year, one that MassDrive can help with is saving you money on your auto insurance without adding risk to your everyday life.

At this time of year, expenses are at their highest for most people, which forces them to be more thrifty in their everyday life.  For many drivers, they turn to their auto insurance policy to cut corners. Lowering coverage or selecting only liability are definitely effective in lowering the price of an auto policy, but they also limit the driver should there ever be an incident. Luckily, these are not the only ways to save money on your MA auto insurance rates.

The majority of drivers are unaware of the numerous auto insurance discounts that are available to them when it comes to their auto policy. By doing some research and asking your auto insurer, you can start off the new year on the right foot and get cracking on that save money resolution for 2012:

  • One popular way to save money is by combining an auto and home policy with the same insurance carrier.  This typically results in up to a 5-12% total savings on the policy while also making it more convenient for the insured by having all of their information in one location.
  • Other common insurance discounts can be applied if the insured is willing to: pay in full, list multiple cars on the policy, or by having low mileage on their vehicle.  These factors typically result in a discount of up to 5-10%.
  • An increasing amount of carriers are now also giving discounts for drivers who choose to shop for insurance early. Insurance companies believe that drivers who apply early are more responsible and more likely to make payments on time.  These drivers are rewarded with up to a 5-10% discount depending on the date which they apply for insurance.  To receive this discount, drivers must commit to a policy at least seven days before the effective date, depending on the carrier.
  • Going green can also save you some green! Many carriers, including Progressive, offer discounts of up to 3% for those that are willing to go paperless. This saves trees and money, so what’s not to love about this discount? AAA or motor club members are also eligible for a discount, which varies by carrier but is roughly 5%.
  • Have a child that is away at school? If they are listed on their parent’s insurance, their policy may qualify for the student away at school discount.  Full time students can also help their parents save money by maintaining a GPA of 3.0.  Both situations allow for up to a 5-10% discount to be applied to the policy.

During this time of year, finances are especially tight for many drivers; however, utilizing these tips will help you ring in the New Year by saving on your Massachusetts auto policy! By asking your agent about these auto insurance discounts, you will be on your way to successfully completing one resolution!

Plymouth Rock Customers Receive MORE Benefits!

Plymouth Rock Assurance Corporation announced last week it has made an agreement made with some of the nation’s top auto service providers and part retailers to provide Plymouth Rock policy holders with additional Savings Pass Program benefits. Plymouth Rock has partnered with Sears Auto Center, Meineke Car Care Centers and Maaco to name a few, offering discounts saving up to 15% on auto-related products and services when customers use their Savings Pass.

Meineke Car Car Centers and Maaco will offer a number of discounts on auto parts and repairs at to those within the Plymouth Rock Savings Pass Program. Meineke will offer Plymouth Rock customers 5% off new tires and batteries – instillation included – and a 10% discount on all other products and services. It has also been announced Maaco will be offering 10% off their services and products. Sears Auto Center will provide Plymouth Rock customers a 5% discount on regular priced products and a $7.00 discount on oil changes. According to the carrier’s website, the Plymouth Rock Savings Pass offers additional discounts at: Auto Anything, Hertz, Enterprise, Sullivan Tires, Auto Sound, In Control, Driven – Advanced Driving School, Jiffy Lube, and more auto service and parts providers.

The Savings Pass is free and given with all Massachusetts Plymouth Rock insurance policies. In addition to the free Savings Pass Plymouth Rock offers a number of services in the MYLES – Make Your Life Easier Services including:

  • Online payment options, electronic billing and e-mail document delivery
  • Easy and convenient Internet-based claim viewing, a new feature that allows Plymouth Rock customers and their agents to view the progress of an auto claim online
  • Email reminders for inspection sticker, license and registration renewals for every car and driver on a customer’s policy

MassDrive is a proud broker of Plymouth Rock Assurance Auto and Home insurance. For more information about Plymouth Rock or a free quote call a friendly MassDrive agent today!

Discounts & Saving Money on Auto Insurance

When shopping for auto insurance the ultimate goal is to find a reputable company and the lowest premium. While searching for insurance on the web or over the phone it is important to remember carriers will offer different discounts for various reasons. Saving money on your auto insurance is easy, when requesting a quote ask if the following discounts apply to you:

  • Low Mileage Discount: Those who drive less than the average driver are more often than not eligible for a low mileage discount. The magic number is commonly 7,500 miles or less per year however some carriers offer discounts for those who drive less than 10,000 even 12,500 per year. This key discount can make a significant difference and is important to ask about.
  • Auto Club Member: Drivers who belong to an auto club, such as AAA, are usually eligible for additional discounts and in some cases may increase your current auto policy limits with NO extra charge!
  • Good Students: Not only will good grades get a student into the college, graduate program, or aspired career – they can also give young drivers a discounted rate on their auto insurance.
  • Continuous Insurance: Drivers with a continuous record of auto insurance policies are often eligible for discounts.
  • Completed Defensive Driving: Once successfully completing a defensive driving course, motorists should be eligible for an additional premium discount.
  • Companion Policy: Drivers who purchase a companion policy, meaning those who bundle their auto and home, condo, or rental insurance together, are eligible for discounts on both policies. Drivers who sign companion policies through MassDrive may save up to 5% on their auto insurance and up to 20% on a home owners policy.

Make note of the above discounts. If your agent or the online quote generator does not ask about them, you may not be receiving the best quote. When receiving a quote it’s also important to realize your date first licensed and driving record have a great impact on your premium. If you have not been asked about your first licensed date or verified your driving record, you may not be receiving a final quote. Ask your agent if you are eligible for additional discounts and if they have verified your record to ensure you are receiving an accurate quote.

For a free quote comparison, give your friendly MassDrive agent a call today!

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