Massachusetts Vanity License Plates

Have you ever thought about getting vanity license plates?

By using the following Registry of Motor Vehicles search tool, you can check to see if the vanity plate you want is available …

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Have you ever thought about getting vanity license plates?

According to Mass.gov, the official website of Massachusetts, one of the most requested topics is ordering vanity license plates.

By using the following Registry of Motor Vehicles search tool, you can check to see if the vanity plate you want is available:

http://www.massrmv.com/VanityPlateRequirements.aspx

Ordering Vanity Plates

Vanity plates may be ordered in person.

In Person: Go to any full service Registry Branch and complete the Application for Vanity Plates  Up to three plate requests can be made on one application. Payment must be made at the time of ordering.

Process: Within twelve to fourteen (12-14) weeks after your payment is received, you will receive a letter telling you the plates are ready and instructions on where to pick them up. The plates generally arrive at the branch within one week of the date of this letter.

To pick up your vanity plates at the branch you will be required to:

  • Submit an RMV-3, stamped by your insurance company.
  • Surrender your old plate(s).
  • Pay a swap fee.

Vanity plates must be picked up within 90 days.

What to do if in an accident:

1.) Stop. Be Courteous. Stay Calm. Your interest will be served best if you are courteous and engage in no controversy at the scene of the accident …

What to do if in an accident

  • Stop. Be Courteous. Stay Calm. Your interest will be served best if you are courteous and engage in no controversy at the scene of the accident.
  • If there is significant damage to any of the vehicles or any potential injuries call 9-1-1 immediately.
  • Get the names of the owners and drivers involved. Get license numbers, telephone numbers, and registration numbers.
  • Get the names, addresses, and telephone numbers of witnesses.
  • Express no opinion as to who was at fault. Give no information except for as required by the authorities. Do not sign any statements unless required by authorities.
  • Contact us for prompt claims help.

If reporting a claim during off hours you can do so directly:

  • Premier/Travelers: 1-877-425-2466
  • Safety Insurance: 1-866-906-5016
  • Vermont Mutual: 1-800-435-0397
  • MPIUA:  1-800-392-6108

MA Auto Excise Tax

The MA auto excise tax rate is $25 per $1,000 of valuation (NADA) subject to the following percentage formula:

MA Auto Excise Tax

In an attempt to demystify the annual, pesky excise tax we offer the following excise tax information:

Excise bills are prepared by the Registry of Motor Vehicles according to information on the registration. They are sent to city/town assessors who commit them to local tax collectors for distribution.

The excise tax rate is $25 per $1,000 of valuation (NADA) subject to the following percentage formula:

In the model year: 90%; second year: 60%; third year: 40%; fourth year: 25%; fifth year & beyond: 10%.

If you have turned in your plates on the vehicle you are getting excise taxed on, or if you have transferred plates and got rid of the vehicle, you may be eligible for abatement . Abatement instructions are located on your excise tax bill.

Lemon Law

When life gives you a lemon … give it back!

Over the years, our clients have called asking about The Lemon Law …

Lemon Law

When life gives you a lemon … give it back!

Over the years, our clients have called asking about The Lemon Law.

To qualify for the MA Lemon Aid Law, your vehicle must fail an official Mass safety and emissions inspection within seven days of purchase.

Next, you must get a written estimate for the cost for the inspection-related repairs. If the repair estimate is for more than 10% of the purchase price of the vehicle, you can get a full refund from the seller (private party or dealer).

To get a refund you must return the vehicle to the seller within 14 days of purchase with a signed statement by the inspector of why the vehicle failed, a copy of the estimate and a letter telling the seller that you want to cancel the sale.

For more information, visit the Consumer Affairs website at http://www.mass.gov/oca or call (617) 727-7780.

Home Insurance Review

The standard homeowner (HO-3 Special Form) policy provides broad protection for your home however, there are limitations to coverage …
Call or e-mail us for your homeowner insurance review!

Homeowner Review Checklist

Johnson & Rohan Insurance

We recommend you review and call us with any “yes” answers.

  • Do you own jewelry, furs or watches with values over $1,000?
  • Do you own silverware with a total value of over $2,500?
  • Do you have a collection of valuables, including: coins, stamps or other?
  • Do you own any of the following: Musical Instruments, Fine Arts or Antiques, Camera Equipment, Sports Equipment, Personal Computer?
  • Do you own a boat?
  • Is there a trampoline on your property?
  • Do you have any tools, equipment or other property used in your business or occupation?
  • Would you like your insurance to provide: Replacement Cost Protection on your Dwelling, on your Personal Property, Credit Card/forgery protection, Ordinance or Law coverage, Earthquake coverage?
  • Flood is not a covered loss on a homeowner policy. Would you like to obtain rates for flood insurance? Also excluded from coverage are such things such as: rot, mold, mildew or animal/vermin/insect damage.
  • Are you interested in receiving information on:  Auto, Life, Excess Liability (Umbrella), Boat or Business Insurance?

Please call us with any questions about your apartment, condominium, or home insurance protection.

Thank you for insuring with Johnson & Rohan.

Discount Double Check

Chances are, when you insured with Johnson & Rohan Insurance, we were able to save you money. Most likely, we also improved your coverage …

Johnson-Rohan-Insurance1

Chances are, when you insured with Johnson & Rohan Insurance, we were able to save you money. Most likely, we also improved your coverage.

Our job, as your Massachusetts insurance agent, is to shop your coverage with numerous companies, make coverage recommendations, and help you if you ever have a billing question or claim problem.

We re-rate renewals and suggest coverage improvements, shop for discounts, and recommend insurance programs.

Some of the traditional Massachusetts automobile insurance discounts include:

Age 65 or Older, Passive Restraint, Annual Mileage discounts, Anti-theft, Multi-Car, Driver’s Education, Public Transit

Additional discounts may include:

Account discounts, Excellent driver & excellent driver plus discounts (99 & 98 drivers), Pay in full discounts, Hybrid vehicle discount, Advanced driver training discount, Alumni & professional group discounts, Good student discount (“B” or better), Student away at school discounts

Call or click us for your Massachusetts Auto Insurance Discount Review!

Thank you for insuring with Johnson & Rohan Insurance.

Tips to Save Money

1) Drive Safely! First and foremost, Massachusetts credits good drivers! The best automobile drivers in Massachusetts get the best rates …

1.) Drive Safely!
First and foremost, Massachusetts credits good drivers! The best automobile drivers in Massachusetts get the best rates. If you have been licensed over 6 years and have had no moving violations (speeding tickets etc), no at-fault accidents, no revocations or suspensions then you are a 99 driver (Class 10). The next best drivers are the 98. From here driving records go from 0 (neutral/ number of points that new drivers are given) to 45. Points are given out for moving violations and at-faults accidents. 0 points for a first moving violation (although you lose your credit points – so, in fact you lose two “credits”), two points for each consecutive violation. A “minor” at-fault accident (less than $2,000 combined damage) is a 3 point surcharge and a “major” accident is 4 points. Call or e-mail us if you would like to review your driving record.
2.) Take advantage of applicable discounts!
Here are some of the automobile discounts presently offered in the state of Massachusetts:Age 65 or Older – A 25% discount for all coverage items will be applied after all other discounts and rating factors, but prior to the application of the SDIP rating step.

Passive Restraint discount – A 25% discount applied to the premium paid for Parts 2,3,6 and 12 is available if your auto is equipped with an air bag or automatic seat belts.

Annual Mileage discounts – A 10% discount applied to the premium paid for Parts 1-8 and Part 12 is available if your estimated annual mileage falls between 0 and 5,000 miles. A 5% discount is available if your estimated annual mileage falls between 5,000 and 7,500 miles.

Anti-theft discounts – Up to 35% of the premium paid for Part 9 (Comprehensive) are available for automobiles with various types of qualifying anti-theft devices. Many glass companies offer complimentary “window etching” which will qualify you for a 15% anti-theft discount, in lieu of any other device.

Multi-Car discounts – Available if an individual or married couple own two or more autos insured by the same company and there are no inexperienced operators.

Driver’s Education discount – A 10% discount applied to the premium for Parts 1,2,4,5, and 7 is available for the first 3 years after an inexperienced driver has completed an approved training course.

Public Transit discount – A 10% public transit discount is applied to the premium paid for Parts 4 and 7 (up to a maximum of $75 per eligible vehicles). This discount is available if you provide your insurer with evidence of purchase of 11 months of commuter passes from qualified transit systems and if you do not drive your auto to work or school more than 10 days per month.

3.) Shop Around!
Johnson & Rohan Insurance rates your auto insurance with 7 companies and even more home insurance companies. We will find you the best combination of price, coverage, service and discount programs. We will work with you to determine your insurance needs and the best product for you. We will assist you with claim or billing questions, and help you with other lines of insurance including: homeowner, apartment, condominium, business, life and health insurance. Call or click us for your free, no obligation insurance review.

Registry of Motor Vehicles Online Services

Save yourself long, frustrating waits, The Massachusetts Registry of Motor Vehicles now has many transactions you can now process online …

Mass RMV Online Services

The Massachusetts Registry of Motor Vehicles has a bad reputation with many consumers. Long waits, frustrating visits, and poor treatment have resulted in the RMV having this negative stereotype.

Now many transactions can be processed online, from the comfort of your own computer.

License/ID

Advanced Driver Training

Many companies offer an Advanced Driver Training discount, one company in particular (Safety Insurance) supplements the cost of the class. Instead of paying the standard rate of $299, Safety Insurance clients pay only $75 …

Johnson & Rohan Insurance

The number one killer of teens is automobile accidents.

Johnson & Rohan Insurance recommends In Control Advanced Driver Training.

Many companies offer an Advanced Driver Training discount, one company in particular (Safety Insurance) supplements the cost of the class. Instead of paying the standard rate of $299, Safety Insurance clients pay only $75.

In addition, clients receive a 5% policy discount on their auto insurance (Safe Roads Alliance). A “policy” discount can be huge because it applies to the entire policy and not just the vehicle the driver is rated on. So, in other words, if you have 3 vehicles on the policy all the vehicles receive the discount.

In Control is a non-profit organization filed as a 501(c)(3) and offers the nation’s first state certified crash prevention training to drivers of all ages. This closed course, hands-on education was adapted from existing law enforcement training in the United States as well as European instruction that led to a societal shift in attitudes toward driving in many countries.  

In Control has trained nearly 25,000 students and receives endless praise from graduates, parents, schools, police departments, insurance companies, legislators and community groups all over New England.   Most graduates enjoy insurance discounts and the peace of mind knowing that they have been trained for emergency situations.  Third party research has found a 70% reduction in crashes for new driver graduates of our training and similar results for experienced drivers trained through our commercial programs.

While focused on training New England drivers of all ages, In Control has traveled the United States providing training, consulting and products to keep people safe from the most dangerous thing we do.

Call, click, or stop by to find out more about Advanced Driver Training and other Massachusetts auto insurance discount programs.

Happy Holidays!

Johnson & Rohan Insurance wishes you a very Merry Christmas and a Happy New Year!

RFK2

In the summer of 1966 my aunts, Kathy and Margaret Johnson found themselves at the Washington DC train station.

Robert Kennedy walked by and took a moment to say hello to the group of handicapped children.

We share this picture during this holiday season to wish you and yours a very Merry Christmas and a Happy New Year!

“Few will have the greatness to bend history itself, but each of us can work to change a small portion of events. It is from numberless diverse acts of courage and belief that human history is shaped. Each time a man stands up for an ideal, or acts to improve the lot of others, or strikes out against injustice, he sends forth a tiny ripple of hope, and crossing each other from a million different centers of energy and daring those ripples build a current which can sweep down the mightiest walls of oppression and resistance.”

-Robert F. Kennedy

Johnson & Rohan