What is one of the biggest mistakes buyers make when trying to save on auto insurance? Selecting an insurance company by price alone.
Sometimes customers receive a lower quote from a “big-box” company. What these companies often don’t tell you is that they cut your coverage in order to lower the quote. And that can have big financial consequences if you have a claim.
Some of these larger companies offer a low teaser rate the first term of 6 months or a year, only to raise the premium substantially at the end of the term.
And the customer service you receive from the big-box companies may not be what you expect. Think customer service doesn’t matter? One claim that’s handled badly might change your mind.
While the big-box companies will write you a policy, they may not take the time to review your individual circumstances to identify potential gaps in coverage that might expose you to risk.
Our agency represents multiple companies so we can provide you with the best coverage from financially solid and A-rated companies at the lowest price. We take a comprehensive look at your personal insurance needs to ensure there are no gaps in coverage. Your account will be assigned to one account representative who will respond promptly to resolve your issues and is available by email, phone, or in person if you prefer. Our customer service is second to none!
Beware next time you receive a quote from a big-box company. You might get less than you bargained for!
Our office will be open beginning on Monday, June 1st by APPOINTMENT ONLY. Please call the office at 413-598-8304 if you need to make an appointment. We will have a limited number of staff in the office.
Our hours are Monday – Thursday 9:00am to 5:00pm and Friday 8:00am to 4:00pm.
In keeping with the requirements of the Chicopee Health Dept, all customers will be required to wear a mask or face covering and maintain social distancing when in the office. Our staff will wear masks and the office will be sanitized periodically for the safety of everyone.
As a reminder, please continue to mail your insurance payments directly to the insurance company. We will not accept payments in the office at this time.
Our commitment to you remains certain as we go through these challenging times. Please feel free to call our office if you have questions.
Policyholders are doing their part to limit the spread of COVID-19 by staying at home. This is leading to lower auto usage and resulting in fewer auto claims. In response, and to ease some of the financial burden many customers are experiencing, we are pleased to announce that all of our carriers have chosen to issue a “Stay at Home Auto Premium Refund”. Insurance companies will return a small portion of auto premiums for the months of April and May to our voluntary personal auto policyholders in Massachusetts, subject to regulatory approval.
Our agency will keep you informed when this credit is approved by the insurance department. Our commitment to you remains certain as we endure these challenging times.
ACCOUNT CREDIT – Save 15-25% when you insure both your auto & home with our agency PAID IN FULL – Up to 5% when your annual premium is paid in full GO GREEN – Up to 3% when you make electronic payments and receive your policy online GOOD STUDENT – 10% if the youthful driver meets certain grade qualifications STUDENT AWAY FROM HOME – 10-15% off your premium for youthful drivers that are away from home and meet specific qualifications MULTI-CAR DISCOUNT – up to 8% per household with two or more private passenger vehicles
Discounts may vary according to the companies we represent and the state in which you are insured.
So you got a new piece of jewelry…do you know what kind of coverage your insurance provides? A basic policy will provide you with some coverage but thebest way to protect your jewelry is to schedule it on your policy.
Why should I schedule my jewelry?
Your house or tenant’s insurance has basic coverage for jewelry, however there is usually a limit of $1,000 on a basic policy.
In addition to having a lower limit, a basic policy only covers you for theft of jewelry.If you lose a stone or lose the piece in general, you don’t have coverage.
Another benefit to scheduling your jewelry is that there is no deductible in the case of a loss. If it is not scheduled any claims would be subject to the deductible.
Hit & run accidents are becoming more common. Whether your car is hit while parked or another vehicle leaves the scene of an accident, follow these steps to stay safe and get your claim filed properly.
If you are involved in a hit and run while driving:
Pull over to a safe area. DO NOT try to chase the car that hit you. Chasing can lead to reckless driving, putting you and other drivers at risk.
Call the police to make a report.
If you were able to see the plate number of the car that hit you, write it down. Write down any information such as make and model of the car that hit you that you recall. Take down the time and place where the accident occurred.
Check for witnesses to the accident, if the police are not coming to the scene, see if they are willing to give you their contact information to put on the police report.
File a report with the local police and file a claim with your insurance company.
If you are involved in a hit and run while parked:
Call the police to make a report.
If the police are not coming to the scene, take pictures of the scene, take note of the time, location, and damage to your car.
See if there are any witnesses willing to give their contact information.
File a claim with your insurance company.
To report a claim with LSB click here or call the office at 598-8304.
Many renter’s assume that their landlord’s insurance is enough to protect them. Unfortunately, it is not. Your landlord’s insurance does not protect your belongings and doesn’t protect you from liability suits. That’s where renter’s insurance comes in.
Isn’t Renter’s Insurance Expensive?
Depending on your coverage, renter’s insurance can cost as little as $10-12 a month! Nationally, the average cost of renter’s insurance is $187 according to the National Association of Insurance Commissioners. Bonus – having renter’s insurance will give you a discount on your car insurance too!
I Don’t Own Enough to Need Insurance
While you may not own many things you think of as valuables, possessions add up quickly. Things like cell phones, TV’s, computers and even clothing are all common possessions that would be covered by your renter’s insurance. Additionally, many renter’s own furniture and kitchen appliances, adding up to thousands of dollars in personal property that they may not even think of.
Doesn’t My Landlord’s Insurance Cover Liability Claims?
Not necessarily. If someone trips and falls in your apartment, you need liability coverage. If you have a pet and someone is injured by your pet, you need liability coverage.
In 2011, the average cost of dog-bite claims was $29,396
On average, the cost of slip-and-fall accidents exceeds $12,000
The cost of legal defense in a slip-and-fall lawsuit is $50,000
I want Renter’s Insurance. What do I do now?
First, estimate the amount of personal property you own. You will not get paid over this amount so be sure to consider everything. You want enough coverage so that if you had a fire and lost everything you would have enough to replace your belongings and start over!
Next, call us! We will ask you a little about your apartment, such as type and age of the building and number of units. Then we will go over how much coverage you want for both property and liability and have you sign an application.