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Safety Insurance Group, Inc. has joined forces with the non-profit group Safe Roads Alliance, Inc. and the driver training and education center In Control Advanced Driver Training MA LLC, to improve driver safety in Massachusetts. The program has been designed for new teenage drivers.

This program gives  your new teen driver some very valuable classroom and hands on driving safety practices that are just not taught in the regular drivers education classroom.  (Adverse road and traffic conditions etc.) This is one day program and usually runs all day – classroom and driving.

Advanced driver training includes:

    – How to do a panic stop.

    – How to use ABS brakes

   – How to control a skid

   – The effect of speed on control

   - The dangers of tailgating

   - How to handle a highway emergency

  - The dangers of distractions

The cost of this whole day program is $299  but Safety Insurance will pay 70%  of that cost so you end up paying only $75. Keep in mind that upon completion, you will get a 5% discount on your auto policy when your teen driver is added to the policy or gets his or her own policy , so you will make up the $75 cost of this program usually the first year.

Keep them safe … they NEED this advanced drivers training!

For more info on the Safe Road Allianace – and In Control Driving Program please go to http://www.InControlADT.com or give us a call

We tend to think of insurance as protecting against accidents–repairing or replacing our home or car in the event of an accident. But as we progress in our careers, we accumulate assets and responsbilities and the danger of an accident is not limited to our property.

We have heard horror stories about the homeowner who hired a handyman who then fell off the roof…uninsured. Or the person you “bumped” who now has “whiplash.” The media can exaggerate these stories from time to time but a huge part of insurance is covering you against liability–and if you do not have enough coverage, you pay the difference. As a single person renting an apartment, these issues were probably not as obvious as when you have accumulated large savings or equity in your home that you plan to use for retirement or your children’s education.

It’s a good idea to talk with an insurance agent and periodically re-evaluate your coverages to make certain a catastrophe for someone else does not become a financial catastrophe for you.

Protect yourself – if you have significant assets to protect we recomend that you carry $250,000/$500,000 on Bodily Injury (Part 5) of your Mass. Auto policy and at least $100,000 under Property Damage (Part4).  I am sure you have heard of a personal umbrella policy – perhaps you considered it some point . A $1,000,000 policy would probably cost you no more than $175 per year and cover over and above your AUTO and HOMEOWNERS. If you have questions or you would like to discuss this further , please fill out the ”request a quote” form - or give us a call, and we would be happy to discuss it with you.

Every parent is nervous about the day when their teenage son or daughter will get behind the wheel of the family car. In addition to our concern for their safety, we all expect the car insurance bill to skyrocket. But there are a number of discount opportunities to consider:

• Good student discounts – typically, the student must maintain a “B” average or better.
• Students away from home – if your son or daughter is away attending college, they are driving less…and some policies can be modified to take this into account and reduce your premium.
• Multi-car and Low Mileage – it may make sense to have separate policies if your kids are attending college somewhere with lower rates…or the multi-car + low mileage discount here may be better.

As an insurance agent representing multiple companies, I can help you make sure your insurance fits your changing circumstances and you take advantage of every opportunity to reduce your costs. You can find additional information on ways families can save money on auto insurance at the Insure U website.

Insurance companies would prefer less paperwork–it saves money and helps our environment. Paperless “eco-friendly” policies offer a 7% discount for the first year and are handled all online. The application is processed online with a link sent to your email address where you can review the policy details.

This is a relatively new development, but eco-friendly insurance policies and other discounts are rapidly being adopted by many insurance companies. As an agent representing multiple companies that do business here in Massachusetts, I can help ensure you are aware of all the options to maximize your savings.

This discount applies to both your homeowners and auto insurance – so if you combine this “Go Green” paperless discount along with the discount for having both policies with the same Company – you can save BIG! .

For home and auto insurance – the biggest savings occur when you combine your home and auto with the same insurance company. Overall you can expect savings of 20% on the Home and 10% on the auto just for “bundling” the policies with one company.

Most insurance companies offer these discounts–and as an agent representing multiple companies, I can help identify the best combination to meet your needs and ensure the best coverage for your budget. I can help you evaluate your existing coverages and then consolidate/combine in the most efficient way to save money and simplify things at the same time.