ROBERT L. SUMMERS INSURANCE AGENCY



      
31 Milk Street * Room 1020 * Boston, MA 02109 * Tel: 617-542-8432 * Fax: 617-542-5307

AUTOMOBILE INSURANCE


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In Massachusetts, the basic automobile insurance rates for each calender year are set by the Division of Insurance. Therefore automobile insurance rates in Massachusetts are basically non-competitive. These rates apply to all new and renewal policies that begin in that year and are the results of hearings held with insurance carriers, consumer groups, and independent agents the preceding fall.

Automobile insurance is mandatory in Massachusetts, so you must see your insurance agent first before you can register a vehicle. A policy is effective for one year in Massachusetts, not six months as in many other states. The exact amount paid for insurance by any policyholder will depend upon several factors:

  • The number of years of driving experience for all operators listed on the policy;
  • The driving record for all operators listed on the policy, as defined by the SDIP;
  • The specific year, make, and model of the vehicle being insured;
  • The town in which the vehicle is being garaged;
  • The actual coverages selected.

Various discounts are also available, as set forth by the Division of Insurance; these include discounts for having a good driving record, anti-theft devices, low mileage, air bags or automatic seat belts, senior citizens, multiple vehicles insured with the same carrier, and the use of public transit for commuting. Let's not forget at The Robert L. Summers Insurance Agency you can save with the AAA Member Discount.

Unlike some other states, in which the insurance companies charge a much higher rate for operators under a specific age, the Massachusetts rates are based on the number of years of driving experience. Operators with less that 3 years of experience pay the highest rates (regardless of age); operators with more than 6 years of experience pay the lowest.

NOTE: In response to a common misconception, red cars cost no more to insure than the same car of any other color.

Get A Free Quote!

If at any time you have a question, need help or would like to see how much it would cost to insure your belongings with The R.L. Summers Insurance Agency, feel free to Get a Quote by calling 617-542-8432 or by clicking here to submit your contact information to us so we can service you.


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05/17/2009 08:45 AM

Personal Umbrella

An umbrella policy is designed to protect you in the event of a major loss. It is an “excess liability” policy which provides additional limits of liability insurance over and above your underlying policies i.e. Massachusetts homeowners Insurance or Massachusetts auto insurance. They typically start at $1 million and can run up to $10 million or more.

If you think they’re just for rich people, you might want to reconsider. It’s not that difficult to imagine getting into an auto accident and having the unfortunate circumstances of hitting a carload of people. The damages could easily top $1 million dollars. The umbrella policy pays damages for bodily injury, property damage or personal injury for which the insured is legally responsible.

There are certain underlying and underwriting requirements needed in order to obtain the policy. First, you must carry specified limits on your underlying policies. For example, most insurance carriers would want you to maintain $250,000/$500,000 on your auto policy for “bodily injury to others” and $300,000 liability on your homeowner’s policy. You must also have a safe driving record and a good loss history.

The cost may surprise you as they generally start at $225.00 per year for $ 1 million of coverage. Ideally, you’ll never need the coverage but if you do, you’ll be happy for the coverage.

This information was brought to you by the Robert L. Summers Insurance Agency (617-542-8432) in Boston, Massachusetts. The Robert L. Summers Insurance Agency sells Massachusetts Auto Insurance as well as Massachusetts Homeowners Insurance.

This information is advisory in nature. No liability is assumed by reason of the information in this document. Massachusetts Homeowners Insurance
Massachusetts Home Insurance
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03/09/2009 09:06 AM

Massachusetts Auto Insurance Policy

The Massachusetts auto Insurance policy consists of 12 parts with Parts 1-4 being mandatory. You may or may not need each part of the policy depending on your driving habits, age of the vehicle and other considerations. In addition to the parts of the policy you carry, you must consider what limits to carry for each part. For example, Part 5 (Optional Bodily Injury to Others) covers you up to a specified limit (your choice) for injures you may be legally responsible to pay for an at fault accident. The limits obviously depend on what you can afford and what you’d feel comfortable with in the event of an accident. The coverage’s you initially choose may or may not be adequate with each passing year as vehicles, drivers and conditions change. It’s always a good idea to review your policy with a licensed agent every year or sooner if conditions change.

On April 1, 2008 Massachusetts switched from a “non competitive” rate setting state to a “managed competition” process. You need to be sure when you are shopping around for an auto policy that you are comparing like kind policies. Be sure to match the parts of the policy and the limits for each part to get a fair evaluation from.

This information was brought to you by the Robert L. Summers Insurance Agency (617-542-8432) in Boston, Massachusetts. The Robert L. Summers Insurance Agency sells Massachusetts Auto Insurance as well as Massachusetts Homeowners Insurance.

This information is advisory in nature. No liability is assumed by reason of the information in this document. Massachusetts Homeowners Insurance
Massachusetts Home Insurance
Massachusetts Auto Insurance
Tax Audit Defense
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Massachusetts Dwelling Fire Insurance
Massachusetts Personal Inland Marine Insurance

03/08/2009 06:08 AM

Shopping for Massachusetts Auto Insurance

Competitive rates came to Massachusetts Auto Insurance on April 1, 2008. In order to be sure you have chosen the best option for your particular situation, you need to shop wisely. First, determine what coverage parts you want and what limits you need for each part of the policy. Then get quotes for those exact specifications from several companies. You have to be sure that each company is quoting with the same criteria. Although price is a major consideration, it’s not the only factor in deciding where to place your business. You might want to consider the financial strength of the company (A rated companies). You should consider their reputation for handling claims or how long they have been writing Massachusetts Auto Insurance. You should also consider your relationship with your current agent. If you have a good relationship with your agent and he/she has met your needs, it might not be worth saving a few dollars to find another carrier. It’s good to shop around but ultimately you must decide what factors are most important to you.

This information was brought to you by the Robert L. Summers Insurance Agency (617-542-8432) in Boston, Massachusetts. The Robert L. Summers Insurance Agency sells Massachusetts Auto Insurance as well as Massachusetts Homeowners Insurance.

This information is advisory in nature. No liability is assumed by reason of the information in this document. Massachusetts Homeowners Insurance
Massachusetts Home Insurance
Massachusetts Auto Insurance
Tax Audit Defense
Legal Insurance
Massachusetts Renters Insurance
Massachusetts Condo Insurance
Massachusetts Personal Umbrella Policy
Massachusetts Dwelling Fire Insurance
Massachusetts Personal Inland Marine Insurance

02/07/2009 12:45 PM

Massachusetts Auto Insurance Discounts

Are you aware of the many discounts offered for Massachusetts auto insurance? Every company in Massachusetts must offer “mandatory” discounts which would include anti-theft devices, passive restraints, multiple cars and age 65 or older drivers.

There are also many optional discounts including:

  • Low mileage.
  • Public transit
  • Driver Training
  • Group associations
  • Multiple policies with the same carrier
  • With the advent of competitive rating being established in Massachusetts effective April 1, 2008 it makes sense to review your policy with your agent to be sure you’re taking advantage of all your available savings.

    This information was brought to you by the Robert L. Summers Insurance Agency in Boston, Massachusetts http://www.rlsummers.com. The Robert L. Summers Insurance Agency sells Massachusetts Auto Insurance.

    This information was brought to you by the Robert L. Summers Insurance Agency (617-542-8432) in Boston, Massachusetts. The Robert L. Summers Insurance Agency sells Massachusetts Auto Insurance as well as Massachusetts Homeowners Insurance.

    This information is advisory in nature. No liability is assumed by reason of the information in this document. Massachusetts Homeowners Insurance
    Massachusetts Home Insurance
    Massachusetts Auto Insurance
    Tax Audit Defense
    Legal Insurance
    Massachusetts Renters Insurance
    Massachusetts Condo Insurance
    Massachusetts Personal Umbrella Policy
    Massachusetts Dwelling Fire Insurance
    Massachusetts Personal Inland Marine Insurance

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    Short Term Car Insurance - Trends in the Past and Present!
    Road accidents are on a rise these days, with statistics revealing the 'loss of control of a vehicle' was the third factor responsible for fatal road accident in the year 2007. Around 247,780 were reported to be dead due to such casualties on road. It is also noticed that consumers prefer to meet a local licensed agent personally or talk to him over phone to purchase the policies rather than buy them online.
    11/05/2009 09:26 AM
    Free Car Insurance Quote - Ways to Find the Best
    The protection and confidence that a free car insurance policy gives you is enormous, while driving a car. This keeps your head calm no matter how far you have to drive. Obviously, by applying for quote online, you are in a position to have suitable insurance coverage that matches with your income.
    11/05/2009 09:23 AM
    Guidelines For Getting Cheap Motor Car Insurance Quote Online
    You may be interested in getting cheap insurance for your car. If you explore the web methodically, you can find numerous sites that offer online cheap motor car insurance quotes for new and used cars as well. You can simply follow these tips.
    11/05/2009 09:19 AM
    The Best Ways to Get Online Car Insurance Quotes
    There are several websites on the internet, which provide online car insurance for you. You can contact them without any difficulty to provide you a car insurance quote by just signing up on their site. At the same time, the cheap online car insurance quote should not carry you away.
    11/05/2009 08:59 AM
    Get Your Act Together For a Budget Car Insurance Quote
    There are few things more stressful than running low on money. And, when you have nothing in the bank and your car insurance is due, what do you do? Most of us pay our car insurance 6 months ahead of time, but if you are looking for a budget car insurance quote, you may find out that you can pay on a month-to-month basis and not pay a hefty surcharge for that luxury.
    11/05/2009 08:59 AM
    Get Car Insurance Quotes Online Without the Pain
    Shopping is fun, right? But, shopping for car insurance is not necessarily the highlight of anyone's day. In fact, buying car insurance isn't fun either. Don't you feel like you are just flushing money down the toilet when you pay that car insurance bill? We all do! But, you and I both know that if you don't have car insurance, not only are you putting your financial security at risk, but you are endangering others and breaking the law.
    11/05/2009 07:59 AM
    How to Get Discounts on Your Vehicle Insurance
    When it comes to shopping for auto insurance, it is very important to make sure that you are looking into all of the various ways that you can obtain discounts. Read the rest to learn more.
    11/04/2009 11:59 PM
    If You Have a Car - A Cheap Insurance Quote is Possible
    Almost 1/3 of your friends probably got a better deal than you on their car insurance. You are more than likely feeling very envious of those that pay half as much as you do every month on their car insurance. Do you have a problem with paying these ridiculously high premiums for car insurance?
    11/04/2009 11:59 PM
    How to Get Low Rate Car Insurance
    Are you interested in getting a lower rate on your car insurance for once? A lot of people feel that they have been overcharged on their car insurance for no reason. Auto insurance companies tend to give you rates according to a number of different factors.
    11/04/2009 11:59 PM
    Find Cheap Car Insurance - Are You Making These 3 Mistakes?
    Are you serious about finding cheap car insurance from an A rated auto insurance company? It sure would be nice to not overspend every month on your automobile insurance wouldn't it? There is a pretty good chance that you are probably among the 2 million people out there that have been overspending on their auto insurance.
    11/04/2009 11:59 PM
    Little Known Ways to Get the Best Car Insurance Depending on Your "Age Group"
    Would you finally like to get the best car insurance rate possible? I am sure your currently over spending on your car insurance rates year after year. At least half of the drivers on the road today are currently not insured or they are overpaying every month on their car insurance policy.
    11/04/2009 11:55 PM
    Tips to Cut Down Your Monthly Auto Insurance Premiums
    Alaska may be a state in the far north that doesn't receive a lot of traffic, but thankfully for drivers in the area you can use this to your advantage. When comes to auto insurance an insurance company looks at the likelihood of an accident occurring or the need for a claim to be paid out, and when the likelihood of incidents is reduced to lower your costs can be to you as a consumer each month in insurance premium payments. Here are a few tips to help you save money each month...
    11/04/2009 10:59 PM
    Shopping For the Best Cheap Car Insurance
    Whether you have more money than you could ever need or you are trying to live on a budget, you should always try to get the cheapest car insurance possible. Read the rest to learn more.
    11/04/2009 07:59 PM
    Car Insurance Supermarket - Good Or Bad?
    You see it all the time. Fill out one form, get a dozen quotes. The car insurance supermarket concept does save you time, but there may be some drawbacks you should consider before you commit.
    11/04/2009 07:59 PM
    How to Get Affordable Instant Car Insurance Quotes
    Do you know someone that pays a lot less every month than you on their auto insurance? Chances are if you ask the right on at least one or two people that are currently pain a lobbyist you on auto insurance. You currently knows of people out there that overspent on their car insurance and do not know about.
    11/04/2009 07:58 PM
    What Every One Ought to Know About Free Car Insurance Quotes
    Are you tired of paying too much on your car insurance for the past couple years and you are looking for a new insurance company that will finally cut you some slack? Have you had quite a few speeding tickets and claims on your policy? I am pretty sure that your insurance rates went up quite a bit because of that.
    11/04/2009 07:58 PM
    Car Owners, Do You Need to Get Cheap Car Insurance? Find Out How You Can Here
    Have you been looking for a way to lower your car insurance rate for quite some time now? Obviously you must not be have been happy for quite some time with your current insurance company. Nowadays everybody wants to get cheap Florida car insurance quickly.
    11/04/2009 06:59 PM
    The Best Ways to Get Low Cost Car Insurance Online
    You know that getting automobile insurance nowadays is necessity and it can also be quite expensive. You can no longer get by without auto insurance because the police are on to people nowadays. It is so easy for them to find out whether or not you are driving with automobile insurance.
    11/04/2009 06:59 PM
    Little Known Ways to Get a Car Insurance Online Quote Cheap and Fast
    Are you looking for ways to get automobile insurance online quotes cheap and fast? A lot of people feel like they are paying too much every month on their automobile insurance. That leaves two out of every three people in the nation that are overpaying on their car insurance.
    11/04/2009 06:59 PM
    Find Cheap Auto Insurance - How to Guarantee You Are Getting the Cheapest Insurance
    A lot of customers keep getting their insurance plan renewed every year. They do not think about the other better plans available in the market. These customers do not give much importance to the price and the policy.
    11/04/2009 06:59 PM
    Warning - Are You Among the 2 Million Drivers That Pay Too Much on Car Insurance Rates?
    Do you constantly dread writing out that check for your car insurance every month? You weren't expecting your car insurance rates to be so high weren't you? The fact is that there are over 2 million drivers out there that are paying too much on their car insurance rates
    11/04/2009 05:54 PM
    Online Auto Insurance Comparisons
    Arizona insurance comparisons should be used in the right way to find a deal that is best for you. Get a company that is going to not only quote their rates, but some of their competitors as well. With this process you will find out that you going to be able to save money.
    11/04/2009 05:38 PM
    Wisconsin Auto Insurance - New Bill Raising Minimum Coverage Causing Commotion
    Large debates are occurring in these days in Wisconsin as auto insurance rates are skyrocketing in the wake of the new minimum coverage requirements. Senator Mike Ellis says that for some people insurance costs are climbing by as much as 40%, pushing Wisconsin from one of the least expensive states for auto insurance into one of the most expensive states.
    11/04/2009 05:37 PM
    Massachusetts Auto Insurance - High Praise For Arbella - Good Option For Drivers
    Massachusetts' third-largest insurance provider Arbella insurance group has recently received an excellent rating in its economic stability and profitability for this year and in the years to come by A.M Best according to Reuters. A.M. Best is the leading information provider for the insurance industry worldwide and helps provide the latest readings, news and research on the insurance industry market around the globe.
    11/04/2009 04:59 PM
    Selecting the Right Vehicle Insurance
    It is always important to make sure that you have the right vehicle insurance coverage at all times. Even if you live in a state that does not require it, you are driving at your own risk without the proper coverage. Luckily, most states require vehicle insurance, which protects everyone.
    11/04/2009 04:59 PM
    Low Rate Car Insurance - How to Locate Cheap Car Insurance Rates
    Having an insurance cover to your auto is the one of the significant things to be done, if you own a car. Insurance offers security for yourself and the motorist with whom you met an accident. If you are looking to obtain the best for your car then you have to carry out a research to locate the finest deals in automobile insurance by just comparing car insurance quotes.
    11/04/2009 04:56 PM
    New Hampshire Auto Insurance - Nationwide Increases Could Mean Trouble
    US annual car insurance premiums have increased to an average of $1655 last month, according to Reuters. This shows a 3.3% higher premium rate over 2008 car insurance rates in the same month last year.
    11/04/2009 04:51 PM
    How to Get a Cheap Car Insurance Quote That Saves You Money and Headaches
    Wouldn't it be amazing if you can finally get a cheap car insurance quote that saves you money and headaches? Obviously you are in the market shopping for auto insurance because you are sick and tired of paying too much for car insurance every month.
    11/04/2009 04:51 PM
    How to Reduce Teen Auto Insurance
    Most parents dread adding their teen driver to their insurance policy because of the high cost but there are several ways that you can save money. There are all kinds of discounts that insurance companies offer.
    11/04/2009 04:50 PM
    The Hidden Cost of an Accident
    Most of us are involved in at least one car accident at some time in our lives and we all agree it's never pleasant. Accidents can range from fender benders to major tragedies with fatalities and injuries; this is when we feel very grateful that we have insurance on our vehicle! But as bad as an accident is, are there other consequences? Will our premiums go up and if so, how much?
    11/04/2009 04:40 PM
    How Do You Prepare Your Self to Make a Car Accident Claim?
    Have you met with an accident? You may have chances facing one in future? Be prepared for any untoward happenings. You must make sure that you have read your car insurance hand book clearly, before requesting for any compensation. It is better to read it carefully and understand it rather than make a wrong claim and face rejections.
    11/04/2009 04:30 PM
    Sure Fire Methods to Get Affordable Teen Car Insurance Quotes
    Are you looking for ways to get an affordable car insurance quote for your son or daughter? After years of being charged too much on your car insurance the last thing you want to do is to have your son or daughter be overcharged too. And you can not really allow your children to drive around without auto insurance because it is rather unsafe.