Auto Insurance Discount Review

Auto Insurance Discount Review

 

 

 

Do auto insurance rates got you down?

We recommend our Massachusetts Auto Insurance Discount Review!

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

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 Auto Insurance Discount Review!

Thank you for insuring with us.

Happy Thanksgiving

Happy Thanksgiving

 

 

 

From our family to your family: we hope you have a Happy Thanksgiving.

Our office will be closed on Thursday, November 23, 2023 and Friday, November 24th.

If you’re checking in to report a claim during off hours, you can do so with many of our carriers 24 hours per day/ 7 days per week.

If possible, have your policy number ready and call or click:

 

Johnson & Rohan Insurance Agency Hours of Operation:

Monday – Friday: 9:00 a.m. – 5:00 p.m.
Saturdays: 9:00 a.m. – Noon (Except July & August)

As always, we are available 24 hours a day, 7 days a week by appointment!

Phone: 781-224-0909
Fax: 781-224-0546

Johnson and Rohan Insurance
50 Salem Street
P.O. Box 52
Lynnfield, Massachusetts 01940

Email Don Johnson, Charlie Johnson, Kevin Johnson, Don Johnson III, Larry Swasey

Do I Need an Umbrella Policy? (Yes!)

What’s an umbrella policy? Personal liability umbrella policies help safeguard you against financial hardship in the event of a lawsuit.  They provide liability coverage that sits on top of your home and auto (and boat and second home if applicable).  Umbrellas are available in million dollar increments from $1,000,000 to up to $10,000,000.  Defense costs are also included – on top of the liability coverage and often the defense costs are higher than the damages awarded.  The costs are low and the coverage deep.  We believe the average family should have at least a $2,000,000 umbrella sitting over good auto and home liability limits.  Here are four situations where you should consider even higher limits:

Homeowners with pools

From 2005-2014, there were an average of 3,536 fatal, unintentional drownings (non-boating related) annually in the United States- about ten deaths per day. About one in five people who die from drowning are children, aged 14 and younger. For every child who dies from drowning, another five receive emergency department care for nonfatal submersion injuries.  More than 50% of drowning victims treated in emergency departments require hospitalization or transfer for further care.  These nonfatal drowning injuries can cause severe brain damage that may result in long-term disabilities such as memory problems, learning disabilities, and permanent loss of basic functioning.

Dog owners

Dog bites are the single largest cause of liability loss to insurance companies.  Big dogs bite,  little dogs bite, and even the nicest of dogs can have a bad day – and the damage they do comes back to (ahem) bite its owners.

Parents of teenage drivers

The National Highway Transportation and Safety Administration reports that in 2015, 1,886 drivers aged 15-20 perished in auto accidents.  An additional 195,000 were injured in car crashes, so young drivers (ages 15-20) account for 5.4% of total drivers but for 9% of those drivers involved in fatal crashes.  An umbrella policy provides a serious layer of protection between you and all you have worked for.

Families with toys

Motorcycles, four-wheelers, snow mobiles, boats, jet skis – they sure are fun.  But accidents resulting from their use can often be extensive and end up with expensive bodily injury claims.  Again, use your umbrella to protect your home and family.

So if you’re taking the time to read this and don’t have an umbrella policy, or if you think your policy might have too low of limits, give us a call to review.  (781) 224-0909.

J&R’s Top 10 List- Best Boston Area Chicken Wing Restaurants

 

fried chicken on black plate

J&R’s Top 10 Boston Area Chicken Wings-

At my house, Fall is all about watching football and eating chicken wings. If you like wings, you’re in luck.  We put together a list of our top 10 chicken wing joints, most around Boston.  You can click the names to access their websites and get directions.

  1. MaMagoo’s– A Cambridge classic.  Try the awesome chicken fingers with the honey mustard sauce.  My favorites!
  2. Buff’s Pub– For over 80 years this Newton, old school, hole in the wall has served great wings. And they finally take credit cards!
  3. DJ’s Famous Wings– With Falmouth and Hyannis locations, the Cape’s best wings.
  4. Crave– Allston. Wings are their signature dish. That says it all.
  5. Sidelines Sports Bar– Salem (near Salem State). 18 different sauces, from Teriyaki to Diablo Buffalo.  North Shore’s best wings.
  6. Bonchon– Korean style with locations in Waltham and Boston
  7. Lincoln Tavern & Restaurant– Southie’s go to football and wings bar.
  8. The Smoke Shop– Best of Boston 4x winner for BBQ. 6 locations including a new one in E Boston.
  9. Wendell’s Pub– Norton. Two fryolators, one grill and only one cook. Classic.
  10. BT’s Smokehouse– Sturbridge. Esquire Magazine’s #1 ranked bbq in New England.  Right off the Pike!

Enjoy!

Massachusetts Insurance Rates

Massachusetts Insurance Rates

 

 

We’re all facing rising Massachusetts insurance rates. Johnson & Rohan Insurance quotes auto insurance with 8 carriers and even more home insurance companies.

Unfortunately, we are in a hardening insurance market. It seems that every company is increasing coverage and premiums.

Replacement cost (pure construction cost) on homes has never been higher due to the cost of building materials and the cost of labor.

The cost to repair vehicles or replace a windshield has never been higher.  Windshields with automatic traffic controls- braking and lane control cost even more because they have to be “tuned” after installation.

In order to save money you might want to consider increasing your deductibles from $500 to $1,000 or $2,500 or $5,000.

Double check the discounts you’re getting. Are you receiving a support or “bundled” policy discount? If you have your auto and home insurance with the same company, you should receive a large “account/bundle” discount. Do you have a central station fire and burglar alarm system? Make sure the system is reflected on your home insurance policy.

Review the endorsements you have on your policy. Most likely you carry “replacement cost protection on personal property.” This is a nice endorsement which eliminates depreciation on your personal property at claim time. Sometimes referred to as “a hidden deductible” if you don’t carry the endorsement. If you removed the endorsement you may save $200 – $300 on a standard home policy.

Do you have kids on your auto insurance policy? If so, you know how expensive they are. Review your auto insurance discounts to make certain they’re receiving a “good student” discount (B or better average). If they go away to school (over 100 miles from home) and don’t have a car with them, they qualify for an “away at school” discount. Review your auto’s annual mileage. If you average less than 7,500 miles a year, most companies offer a mileage discount on your auto insurance.

With rising Massachusetts insurance rates, give us a call, or send us an email, to discuss and review your insurance renewals.

Off Hours Claim Reporting

Johnson & Rohan Insurance recommends you call us when you have a claim. We will then report the claim to your insurance company and have them contact you. In addition we’ll advise, advocate and forward claim number and handler information.

Claims, of course, don’t always happen during office hours and if you find yourself in need of reporting a claim, following please find off-hours claim reporting numbers:

If possible, you will want to have your policy number ready and call or click:

 

Hours of Operation:

Monday – Friday: 9:00 a.m. – 5:00 p.m.
Saturdays: 9:00 a.m. – Noon (Except July & August)

As always, we are available 24 hours a day, 7 days a week by appointment!

Phone: 781-224-0909
Fax: 781-224-0546

Johnson and Rohan Insurance
50 Salem Street
P.O. Box 52
Lynnfield, Massachusetts 01940

Email Don Johnson, Charlie Johnson, Kevin Johnson, Don Johnson III, Larry Swasey

Mass Registry of Motor Vehicles Contact Info

 

 

 

 

Below please find Mass Registry of Motor Vehicles contact info:

if you have RMV questions or have technical issues.

  • for a manual and other information click on: https://atlas.massrmv.com/IPMProgram.aspx.  If the user clicks on Training and Support, they will get to the “IPM eServices Reference Guide for Insurance Industry Users”
  • Have a Payment Link Resent/Issue:
  • Email RMVRegDropoff@state.ma.us Include:
  • Drop Off Date:
    • RMV Drop Off Location:
    • Name of Runner Service (if applicable):
    • Name of your agency/business:
  • VIN #(s):
  • Email address for payment:
  • Special Plate Department – 857-368-8031

for issues with duplicate/replacement plates

to find out about a tin plate not received in mail

to order special plates.

  • Section 5 Department – 857-368-8030
  1. Dealer, Repair, Owner Contractor, Transporter or Farm Plates
  2. Question regarding these plate types
  3. Questions on Renewals
  1. Contact the IRP department with Apportioned plate Questions
  2. Contact regarding Apportioned Renewals
  • Out of State Citations Department – 857-368-8200
  1. Customers can now clear online OOS Reciprocal Suspensions

This form can be used by NON-EVR Agents for correction.

  • Consumers that use the Drop Off Center that have not received a payment link or call to pick up work can send an email here:  RMVRegDropoff@state.ma.us

They need to include:

Their Name

Branch Location

Date of Drop Off

Transaction Type

Email Address

If you are locked out you can call security to be reset

If you have a customer that wants to file a complaint for privacy violations, they can call security.

  • Title Department – 857-368-8050

If you have a customer that is showing a title has not been mailed, is under review or exam, you can contact titles to see if the title can be sent.  Make sure that the mailing address is correct in the customer ATLAS account.

  • MAIA Registry Procedures Manual

You may also want to consider using the RPM that is key word searchable for your RMV questions.  Here is a link to the MAIA RPM:   https://massagent.com/MassAgentSite/Agency-Tools/AgencyTools/Registry-Procedures-Manual.aspx

  • Registration and Title Application Instruction Guide

Here is a guide on what sections of the RTA to complete for the transaction being processed:  https://www.mass.gov/doc/registration-and-title-application-instruction-guide/download

  • Massachusetts Department of Revenue 800-392-6089

If you need information on sales tax values

If you need to determine the amounts of Penalties and Interest on motor vehicle sales tax.

For any questions:  MRB-DL-FTP@dot.state.ma.us  .

Massachusetts Homestead Act

The Massachusetts Homestead Act is designed to allow homeowners in Massachusetts to protect their primary residence against subsequent attachment, levy or sale to satisfy debts up to $500,000. The Homestead Law does not protect against: taxes or mortgages used to purchase the residence. Homeowners must file for the Homestead Act with The Registry of Deeds office in the county in which the residence is located.

Massachusetts charges a one time Filing Fee of $35 for a Declaration of Homestead.

Registry of Deeds Links:

Registry of Deeds Offices: 

DISTRICT/COUNTY:

LOCATED IN:
Barnstable Barnstable
Northern Berkshire Adams
Middle Berkshire Pittsfield
Southern Berkshire Great Barrington
Northern Bristol Taunton
Southern Bristol New Bedford
Fall River Bristol Fall River
Dukes Edgartown
Northern Essex Lawrence
Southern Essex Salem
Franklin Greenfield

The Homestead Act
Questions & Answers

La Ley de Protección de Hogar Seguro
Preguntas y Respuestas

City/Town to Registry Guide

DISTRICT/COUNTY:

LOCATED IN:
Hampden Springfield
Hampshire Northampton
Northern Middlesex Lowell
Southern Middlesex Cambridge
Nantucket Nantucket
Norfolk Dedham
Plymouth Plymouth
Suffolk Boston
Northern Worcester Fitchburg
Worcester Worcester

Massachusetts Deed

Rising Massachusetts Insurance Rates

 

 

We’re all facing rising Massachusetts insurance rates. Johnson & Rohan Insurance quotes auto insurance with 8 carriers and even more home insurance companies.

Unfortunately, we are in a hardening insurance market. It seems that every company is increasing coverage and premiums.

Replacement cost (pure construction cost) on homes has never been higher due to the cost of building materials and the cost of labor.

The cost to repair vehicles or replace a windshield has never been higher.

In order to save money you might want to consider increasing your deductibles from $500 to $1,000 or $2,500 or $5,000.

Double check the discounts you’re getting. Are you receiving a support policy discount? If you have your auto and home insurance with the same company, you should receive a large “account/bundle” discount. Do you have a central station fire and burglar alarm system? Make sure the system is reflected on your home insurance policy.

Review the endorsements you have on your policy. Most likely you carry “replacement cost protection on personal property.” This is a nice endorsement which eliminates depreciation on your personal property at claim time. Sometimes referred to as “a hidden deductible” if you don’t carry the endorsement. If you removed the endorsement you would probably save $200 – $300 on a standard home policy.

Do you have kids on your auto insurance policy? If so, you know how expensive they are. Review your auto insurance discounts to make certain they’re receiving a “good student” discount (B or better average). If they go away to school (over 100 miles from home) and don’t have a car with them, they qualify for an “away at school” discount. Review your auto’s annual mileage. If you average less than 7,500 miles a year, most companies offer a mileage discount on your auto insurance.

With rising Massachusetts insurance rates, give us a call, or send us an email, to discuss and review your insurance renewals.

Massachusetts Junior Operator Law

Massachusetts Junior Operator Law

 

 

 

 

 

 

New drivers in Massachusetts (or parents of a new, MA driver) should be familiar with the Massachusetts Junior Operator Law.

Some of these regulations include:

  • The Junior Operator may not operate a motor vehicle within the first six (6) months after receiving a Junior Operator’s License while any passenger under the age of 18 is in the vehicle (other than the Operator or an immediate family member/sibling), unless the Junior Operator is accompanied by a person who is at least 21 years old. This person who is at least 21 years old must have at least one year of driving experience, hold a valid driver’s license from Massachusetts or another state, and must occupy the seat beside the Junior Operator.
  • The Junior Operator may not operate a motor vehicle during the hours of 12:00 am (midnight) to 5:00 am unless accompanied by a parent or legal guardian.

Parents will want to talk with their new operators about the privilege, dangers & responsibilities of driving a motor vehicle. Practice with your new operator, buckle up & remember to drive safely!

Johnson & Rohan