We have a new Blog!

Posted by on Apr 5, 2011 in Auto Insurance, Downey Insurance, Insurance, Personal Insurance

We now have a new blog on our website that we will be posting on in addition to GreatInsurancePeople.com.   Here is the link: http://www.downeyinsurance.com/contact-us/our-blog/

Yesterday I posted a blog about Massachusetts Auto Insurance Coverages.  It is amazing how many coverages the Massachusetts Auto Policy has, and they can sometimes be hard to understand.  This blog gives a brief overview of each coverage.  Our Agents are experts in Massachusetts Auto Insurance  and can help you choose which coverages are right for you.   We would love to here from you, please call 508-485-0130 or visit our website www.downeyinsurance.com.

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7 % E-Customer discount with Safety Insurance for your Massachusetts Auto Policy

Posted by on Mar 22, 2011 in Auto Insurance, Downey Insurance, Insurance, Personal Insurance

Safety Insurance has announced that effective 3/15/11 they are now offering up to a 7% discount for becoming an e-customer when you have a Massachustes Auto Policy.  We already offer an electronic policy option at Downey Insurance Group for customers that would like to receive any of their policies electronically. But, Safety Insurance is our first Insurance Company to add the incentive of a discount.  There are many advantages to receiving your insurance policy via e-mail.  Some people like it for the convenience factor or for environmental reasons.  I you would like to receive your policy via E-Mail please fill out this request form on our website:  http://www.downeyinsurance.com/service-center/go-paperless/

This Safety e-customer discount is just one of many discounts that Safety has to offer.   Here is a list of discounts that you may be eligible for with Safety Insurance.

Rewards for Safe Driving

  • Up to 25% for Excellent Driver Plus Discount (no accidents or incidents in past 6 years)
  • Up to 15% for Excellent Driver Discount (no accidents or incidents in past 5 years)
  • 5% Group Discount for drivers who participate in the In Control Advanced Driver Training program and become members of Safe Roads Alliance.

Multi-Policy Discounts

  • 10% Account Credit when you buy another insurance policy from Safety. (Other than Personal Auto)
  • Up to 10% Multi-Car Discount when you insure more than one personal automobile with Safety

Student Discounts

  • 10% Good Student Discount (B or better average, Dean’s List or Honor Roll)
  • 10% Student Away at School Discount for students on your auto policy who are away at school, at least 100 miles away, without regular access to a vehicle.

Hybrid Vehicle Discount of 10%

e-Customer Discount

  • Up to 7% when you qualify for an Account Credit and select combined account billing with electronic policy issuance.

Loyalty Discounts

  • Up to 4% for for continuous years insured with Safety or your agency.
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$$$ Speak Louder than Words! Pamela Saved $500 by cancelling her Progressive Auto Insurance Policy and writing with Downey Insurance

Posted by on Mar 16, 2011 in Auto Insurance, Downey Insurance, Insurance, Personal Insurance

Wow!!! Last week Pamela G. called for a quote, the same day she came in to sign with us and we saved her close to $500!! *And that was just on one policy* She couldn’t believe it; she told me she had her Auto Insurance with Progressive & that their prices were good when she 1st wrote with them, but 2 terms later.. they sky rocked!! Now that speaks loudly… don’t you think?! Give us a call… what do you have to lose besides $$$ if you don’t call us!! Can you afford not to? Visit our website www.downeyinsurance.com or Call Downey Insurance at 508-485-0130.

-Elis Colon is a customer service representative in our Marlborough,MA office. We also have offices in Keene, NH and Brattleboro, VT.

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Warning: Progressive to increase some rates by 23% in Massachusetts

Posted by on Feb 23, 2011 in Auto Insurance, Downey Insurance, Insurance, Personal Insurance

After coming into the Massachusetts market in May of 2008 Progressive Insurance has had a very bumpy ride.   When Progressive first came on-line in MA we received many calls from our clients who had self quoted their policy on Progressive’s website. 


Unfortunately Progressive was using some very deceptive tactics to get people to leave the comfort of their trusted insurance professionalsand purchase their policy on-line from some computer server without a review from their current insurance professional who understands that individuals unique protection needs. 


Thank goodness most of our clients had the insight to call us so we could show them the where they were being deceived.   The most common deception that we found was not including premium for surcharge points added by the DMV even though they are requiring applicants to submit their social security number.  The quote process also informs applicants that Progressive obtains credit reports and confidential credit scoring information, which is prohibited in Massachusetts for both rating and underwriting purposes.  


Other  misleading practice’s that Progressive was utilizing to it’s own advantage included quoting short term policy’s not covering the full 12 months required by MA law, and most importantly not informing our clients about the danger in the reduction of coverage they were  quoting compared to the level of protection that they are insured at currently.


We were not the only agency that was taking notice, the Massachusetts Association of Independent Insurance Agents filed a formal complaint with the MA Division of Insurance stating similar grievances, and they released a press release to all of their member agents warning them of these deceptive practices.


Now 3 years later after luring MA residents with their to good to be true rates they are attempting an unprecedented rate hike.  This time it is Massachusetts Attorney General Martha Coakley that is taking on the on-line insurance retailer.


From Boston.com February 10th, 2011- Attorney General Martha Coakley is pressing Massachusetts regulators to reject auto insurer Progressive Corp.’s plans to hike the rate for commercial customers by 23.5 percent.


Coakley says in a letter to the Division of Insurance that Progressive’s proposed rates were excessive and unfair to Massachusetts businesses. She also argues that the information used by the Mayfield Village, Ohio-based firm to justify the hike was inconsistent with its proposal.


Coakley says Progressive’s request contradicted its actual claims history, as well as Massachusetts’ overall claims history. The firm has refused to provide the Attorney General’s Office key data or answer questions about its calculations.


But a spokeswoman says Progressive provided insurance regulators and the Attorney General’s Office with all of the documentation necessary to support the request for a rate hike.

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Massachusetts Personal Injury Protection Benefits Drivers

Posted by on Feb 7, 2011 in Auto Insurance, Downey Insurance, Insurance, Personal Insurance

Auto-insurance requirements vary among states, and Massachusetts has one of the more complicated insurance systems in the nation. One requirement of Massachusetts auto insurance law is personal injury protection (PIP), which must be included in every motor-vehicle liability or insurance policy.

Personal Injury Protection Coverage

In Massachusetts, every auto-insurance policy must provide PIP benefits. But, drivers may choose to reduce or eliminate the PIP coverage provided by their insurance companies by purchasing a deductible. In addition to reducing PIP benefits, buying a deductible also lowers drivers’ monthly premiums for their auto insurance.

How PIP Works

If a driver with PIP coverage is injured in an auto accident, his or her insurance company will reimburse the driver for medical and related expenses up to a certain amount. PIP funds are provided regardless of whether the driver was at fault in the accident.

With PIP insurance, a driver’s insurance company will pay up to $2,000 in medical expenses related to an auto accident. If the driver does not have health insurance or the health-insurance company denies coverage, PIP coverage will pay up $8,000. The expenses reimbursed with PIP funds must be incurred within two years of the accident.

PIP Benefits

PIP insurance is valuable for drivers because it reimburses expenses that otherwise may not be covered by health insurance, including cosmetic and dental services, co-payments and deductibles. PIP coverage also provides 75 percent of the driver’s lost wages or lost earning power if he or she is unemployed. Additionally, PIP funds pay for necessary services that the driver would have performed if uninjured without pay, for example, cleaning his or her home.

Article provided by Harris & Associates PC
Visit us at http://www.bharrislaw.com

If you have any questions regarding your insurance coverage, or if questions regarding your insurance claim please feel free to call us 508-485-0130 or visit our web site @  Downey Insurance Group

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Appealing Massachusetts DMV Surcharges Due to Weather Related Accidents

Posted by on Feb 3, 2011 in Auto Insurance, Downey Insurance, Insurance, Personal Insurance

If you filed an auto insurance claim for an at fault accident this winter you do have the right to appeal the Massachusetts DMV surcharge.  Bad weather can cause all kinds of auto accidents that under normal driving conditions would have been avoided.  Due to the number of storms we have had this season people may have tried to drive to work because they can not afford to take anymore days off.   Our Downey Insurance Group offices were closed on Feb. 2nd with our agents checking messages, following up with clients, and filing our customers claims from home.


The Massachusetts State Police said yesterday Feb. 2nd  – “Massachusetts State Police continue to respond to numerous spinouts, disabled motor vehicles and minor crashes caused by the weather. Regular snow patrols out of the barracks are being supplemented by troopers from various specialty units, including the truck team, motorcycle unit and community action teams.”


There is a $50 fee for appealing a surcharge in Massachusetts, but surcharge points on your record can increase your Auto Insurance premiums costing you more.  If you feel that your accident was weather related, you may apply for an appeal by filling out the Surcharge Appeal Form on the reverse side of your surcharge notice from your Insurance Company.   If you have any questions regarding your auto claim please feel free to call our offices of Downey Insurance Group in Marlborough, MA  Brattleboro, VT and Keene, NH at 508-485-0130.   If you are not already a valued Downey Insurance client our experienced staff is the best in the business and they would love the opportunity to review you insurance at your convenience.  Call us today or visit our website www.downeyinsurance.com.

More information regarding filing a surcharge appeal nay be found here on the Mass DMV website.

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