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It's Time to Bundle Up!

A-Affordable  Insurance is well-known in Massachusetts for helping people who’ve had their car insurance canceled or their plates revoked, but A-Affordable Insurance is much more than auto insurance. We are a full service insurance agency bundleup representing a host of insurance companies and offering insurance for homes, condos and apartments as well as flood, motorcycle, commercial vehicle and business insurance. We are also quite proud of our Teen Drivers Insurance Program and the innovative ways we’ve saved parents and teens money with coverage specifically tailored for young drivers.

If it’s savings you’re looking for, A-Affordable can help you bundle your auto insurance with your home, renters or condo policy and save you money. We pride ourselves in offering affordable stand-alone insurance policies, but we can offer even more generous discounts for customers who combine policies with us.

Curious about how much we can save you? Take a couple of minutes to complete the Request a Quote form or visit one of our 15 conveniently located offices to learn more about how we can help you save money on all your insurance needs. If you prefer, you can contact one of our knowledgeable insurance reps to discuss your insurance needs by calling us at 1-800-897-2837. Our phone support hours are Monday – Thursday from 8 am to 8 pm, Friday from 8 am to 7 pm, and Saturday from 9 am to 1 pm. We open early and stay late for you!

We look forward to the opportunity to earn your business.

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Halloween Safety Tips

 Kids love the magic of Halloween: Trick-or-treating, classroom parties and trips to a neighborhood haunted house. But for moms and dads, often there is a fine line between Halloween fun and safety concerns.

Costume Safety from the American Academy of Pediatrics:

  • Plan costumes that are bright and reflective. Make sure that shoes fit well and that costumes are short enough to prevent tripping, entanglement or contact with flame.angelcostume

  • Consider adding reflective tape or striping to costumes and trick-or-treat bags for greater visibility.

  • Because masks can limit or block eyesight, consider non-toxic makeup and decorative hats as safer alternatives. Hats should fit properly so they don't slide over eyes. Makeup should be tested ahead of time on a small patch of skin to make sure there are no unpleasant surprises on the big day.

  • When shopping for costumes, wigs and accessories, look for and purchase those with a label clearly indicating they are flame resistant.

  • If a sword, cane, or stick is a part of your child's costume, make sure it is not sharp or long. A child may be easily hurt by these accessories if he stumbles or trips.

  • Do not use decorative contact lenses. While the packaging on decorative lenses will often make claims such as "one size fits all," or "no need to see an eye specialist," using decorative contact lenses without a prescription is both dangerous and illegal. This can cause pain, inflammation, and serious eye disorders and infections, which may lead to permanent vision loss.

  • Review with children how to call 9-1-1 (or their local emergency number) if they ever have an emergency or become lost.

Carving a Niche

  • Small children should never carve pumpkins. Children can draw a face with markers. Then parents can do the cutting.jackolantern

  • Consider using a flashlight or glow stick [or battery-operated candle] instead of a candle to light your pumpkin. If you do use a candle, a votive candle is safest [battery-operated votive candles are also available and are very inexpensive].

  • Candlelit pumpkins should be placed on a sturdy table, away from curtains and other flammable objects, and not on a porch or any path where visitors may pass close by. They should never be left unattended.

Home Safe Home

  • To keep homes safe for visiting trick-or-treaters, parents shouldHalloweenHome remove from the porch and front yard anything a child could trip over such as garden hoses, toys, bikes and lawn decorations.

  • Parents should check outdoor lights and replace burned-out bulbs.

  • Wet leaves or snow should be swept from sidewalks and steps.

  • Restrain pets so they do not inadvertently jump on or bite a trick-or-treater.

On the Trick-or-Treat Trail

  • A parent or responsible adult should always accompany young children on their neighborhood rounds.familytrick

  • Have flashlights with fresh batteries for all children and their escorts.

  • If your older children are going alone, plan and review the route that is acceptable to you. Agree on a specific time when they should return home.

  • Only go to homes with a porch light on and never enter a home or car for a treat.

  • Because pedestrian injuries are the most common injuries to children on Halloween remind Trick-or-Treaters:

    * Stay in a group and communicate where they will be going.

    * Remember reflective tape for costumes and trick-or-treat bags.

    * Carry a cell phone for quick communication.

    * Remain on well-lit streets and always use the sidewalk.

    * If no sidewalk is available, walk at the far edge of the roadway facing traffic.

    * Never cut across yards or use alleys.

    * Only cross the street as a group in established crosswalks. Never cross between parked cars or out of driveways.

    * Don’t assume the right of way. Motorists may have trouble seeing Trick-or-Treaters. Just because one car stops doesn’t mean
      others will.
  • Law enforcement authorities should be notified immediately of any suspicious or unlawful activity.

Safety Tips for Massachusetts Motorists

  • Watch for children walking on roadways, medians and curbsHalloweenTraffic

  • Enter and exit driveways and alleys carefully

  • At twilight and later in the evening, watch for children in dark clothing.

  • Discourage new, inexperienced drivers from driving on Halloween

We're Here to Help!

Thank you for the opportunity to share this Halloween safety information with you. We would also like the opportunity to share how we may be able to save you money on all your insurance needs. Please stop by one of our 15 conveniently-located offices or, If you prefer, you can contact one of our helpful insurance reps by calling us at 1-800-897-2837. Our phone support hours are Monday - Thursday from 8 am to 8 pm, Friday from 8 am to 6 pm, and Saturday from 9 am to 3 pm. At A-Affordable, we open early and stay late for you!

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Need Business Insurance?

Business insurance helps companies protect their financial assets and their intellectual and physical property from losses due to lawsuits, property damage, theft, vandalism, loss of income and employee injuries and illnesses. business2

Standard coverages include Commercial Liability, Commercial Property, Commercial Auto and Workers’ Compensation. There are other business insurance coverages available to address the more unique risks different businesses face.

One of the A-Affordable Massachusetts commercial insurance representatives would be glad to discuss your commercial insurance needs with you. Please call us at 800-897-2837. Our phone support hours are Monday – Thursday from 8 am to 8 pm, Friday from 8 am to 6 pm, and Saturday from 9 am to 3 pm. At A-Affordable, we open early and stay late for you.

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Not Every Hero Wears a Cape ... Plan and Practice Your Escape

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The National Fire Protection Association® (NFPA®), the official sponsor of Fire Prevention Week for more than 90 years, has announced its 2019 campaign, “Not Every Hero Wears a Cape. Plan and Practice Your Escape!” Fire Prevention Week 2019 is October 6th through 12th. The campaign works to educate everyone about the small but important actions they can take to keep themselves and those around them safe. 

NFPA statistics show that in 2017 U.S. fire departments responded to 357,000 home structure fires. These fires caused 2,630 fire deaths and 10,600 fire injuries. On average, seven people per day died in home fires during 2012 to 2016.

Local Fire Departments across Massachusetts will be hosting a series of events in support of this year’s Fire Prevention Week campaign, "Not Every Hero Wears a Cape. Plan and Practice Your Escape!” To find out more about Fire Prevention Week programs and activities in your city or town, call the non-emergency number of your local Fire Department.

A-Affordable Insurance Agency is proud to share this information about Fire Prevention Week—2019 and to offer NFPA’s Fire Safety Tip Sheets including: 

Escape Planning Smoke Alarms at Home
Home Safety for People with Disabilities Smoke Alarms for those Deaf/Hard of Hearing
Heating Safety Fire Alarms in Apartment Buildings
College Campus Fire Safety Cooking Safety


We're Here To Help!

Thank you for the opportunity to share this Fire Prevention Week—2019 information with you. We would also like the opportunity to share how we may be able to save you money on all your insurance needs. Please stop by one of our 15 conveniently located offices. If you prefer, you can contact one of our helpful insurance reps by calling us at 1-800-897-2837. Our phone support hours are Monday – Thursday from 8 am to 8 pm, Friday from 8 am to 6 pm, and Saturday from 9 am to 3 pm. At A-Affordable, we open early and stay late for you!

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Is BASIC Insurance Good Enough for You?

In Massachusetts, what does “BASIC” insurance really mean?

  1. It means the most your insurance company will pay for injuries to one person is $20,000, and the most they’ll pay for one accident, regardless of the number of people injured, is $40,000. 

  2. It means that all your company will pay for damage you do to someone else’s property (car, fence, telephone pole, landscaping, etc.) is $5,000.

  3. It means you’re only covered on public roads in Massachusetts … not in parking lots, on private property or anywhere out-of-state.

  4. It means that you have no coverage for any passengers in your car … anywhere.

Do you think that’s enough? Keep in mind that a moderately serious accident can easily cost $100,000 or more, depending on the number of people injured, the number of cars involved, and the severity of injuries and damages. 

Plus, once the company has paid out your total limits, they’re no longer obligated to defend you in a lawsuit. They can just walk away, leaving you with legal fees and any court awards over and above the limits paid out by your company. If you’re thinking you have no assets for the other party to get, think again. Court awards are good for 20 years! How likely is it that you’ll still have nothing of value in 20 years – no house, no car, no high wages to garnish?

Let’s talk. Your friendly A-Affordable Insurance representative is here to help you. Give us a call at 800-89-SAVES … 800-897-2837. Our phone support hours are Monday – Thursday from 8 am to 8 pm, Friday from 8 am to 6 pm, and Saturday from 9 am to 3 pm. At A-Affordable, we open early and stay late for you!

 

September 2019

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Get Your Motor Running ...

You may have been born to be wild and have a little rebel in you, but motorcycle insurance coverage is one thing motorcycle owners can’t do without. Motorcycle

There’s nothing quite like experiencing the freedom of the open road from a motorcycle seat. But a machine that brings you this much joy deserves protection with the right amount and type of insurance coverage.

Your bike is a financial investment you want to protect. Insurance is a great way to not only protect your investment, it’s also the best way to ensure that people who ride your bike, including you, are able to get quality health care in the aftermath of an accident without breaking the bank.

Motorcyclists have different insurance needs, and we have coverage choices for you above and beyond the standard Massachusetts motorcycle insurance coverages.

One of our knowledgeable A-Affordable insurance representatives would be happy to discuss your motorcycle insurance needs with you. Please call us at 1-800-897-2837. Our phone support hours are Monday – Thursday from 8 am to 8 pm, Friday from 8 am to 6 pm, and Saturday from 9 am to 3 pm. At A-Affordable, we open early and stay late for you!

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Do You Rent Your Home?

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Blizzard after blizzard.  Is your home insured?

Renters insurance is a must and here are some reasons why.  

It is common thought that your items are covered when renting a home…BUT THIS IS NOT TRUE!  It is likely that your landlord has insurance on his property, but this doesn’t include your items!  

You can start a renters policy for approximately $20 a month and this typically covers nearly $20,000 in property, hotels and incidentals should disaster happen.  No one plans on disaster.  Disasters just happens.  Multilevel properties are super common in Massachusetts.  Chances are that your home is connected to another unit where you have no control of the circumstances which occur.
One cat’s tail + one candle = fire. 

Cold snap + use of clogged fireplaces = fire

We have seen this happen!  

Common questions:
How do I purchase renter’s insurance?  This is super easy.   Just call A-Affordable Insurance at 1-800-89 SAVES and get a free quote. If you like what you hear, we can get you set up that day!
How do I know how much coverage to purchase?  We help you with this.  We have been insuring Massachusetts since 1984 and know how to list out the categories to make the process quick and easy!

No one expects disasters to happen, they just happen.  You’ve worked hard for your property, your furniture, appliances, clothes, jewelry, instruments and more.   We are here to keep you covered.  Give a call for a free quote.

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Everything you need to know about SMOKE DETECTORS.

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There are two basic types of smoke detectors on the market, ionization and photoelectric.  Sometimes the two are combined into one smoke detector.  This doesn’t exactly mean that it is the best. (ie. in placing a detector close to a kitchen, you may opt for ionization only).   You should know the difference and decide which smoke alarm is best for each room.
According to the National Fire Protection Association the technological breakdown between ionization and photoelectric is as the following:
Ionization detectors tend to work better with flame fires.  The detector has a very small amount of radioactive material that floats between two electrically charged plates.  When smoke from the fire enters the the space between the plates, the ions are reduced which sets the alarms off.

Photoelectric detectors tend to work better with smoldering fires.  A light is set within the detector which aims at a sensor.  Once the smoke enters the detector, it interferes with the light which causes a break in the communication to the sensor in turn setting the alarm into action.

Unfortunately you are unable to predict which type of fire has potential to break out and thus it is recommended that you have both types of alarms installed in your home.  

Placing smoke detectors and keeping them up to date does not have to be challenging.
The NFPA recommends that we place smoke alarms in each bedroom, outside each sleeping area, to have them on every level of the home as well as the basement.  Be cautious of placing a smoke detector too close to the kitchen as cooking can set them off quite easily.  You may want to consider a ionization detector near the kitchen as cooking can lend to ‘safe’ smoke which cooking.  

According to the US Fire Administration (USFA), it is recommended that smoke detectors be replaced every ten years and batteries changed twice a year.

A tip in remembering to swap your smoke detector out every ten years is to take a marker and write the date you installed it to the ceiling.  You can also make a reminder in your smart phone to change the batteries twice a year and set those reminders repeat yearly.

To stay on the safe side, do not remove the smoke detector when beeping.  This problem is usually solved by changing the batteries, swapping an old smoke detector out or changing the location of detector in your home.  The beeping sound can also occur when the power to your home is restored after an outage.  Note: the chirping sound is typically need of fresh batteries.

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Copyright

© A-Affordable Insurance Agency, Inc.

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Fires in the dead of winter.

The roaring ten-alarm, six-alarm and 5 alarm fires that broke out in Massachusetts over the past month serves an eye opener for those without home or renters insurance.  The holiday season will be very difficult for all the displaced people facing these hardships.

What happened:
Cambridge:
On December 3rd a massive ten-alarm blazing fire broke out in Cambridge just before 3:00pm and ripped through the neighborhood claiming 16 buildings.  The raging fire rolled through an entire row of vehicles as well.  Approximately 125 people have been displaced from this blaze.  “To me, that’s nothing short of a miracle,” said Assistant Fire Chief Gerry Mahoney.  “If that fire had been in the middle of the night, it would be an whole different story.”  

Charlestown:
In the early morning of December 16th a 6 alarm fire engulfed a 3 story building.  No one was injured and twenty people were displaced.  The arctic temperatures filled the air making the efforts of the firefighters challenging as the steam was easily confused with smoke.

The North End:
A five alarm fire broke out early Christmas morning at approximately 4:15 am.  No residents were injured though two firemen sustained minor injuries. There were six residents in the building that made it out safely.

Thankfully all fires occurred in the early morning and daytime, had it been nightfall there may have been devastation in loss of life.  


Why are home and renters insurance so important?
No one expects tragedy to strike, and when it does, you want to have been as prepared as possible, especially since house fires increase in winter.   According to CAFA “During winter months, heating equipment is the leading cause of home fires.  About two-thirds of home heating fire deaths are caused by portable or fixed space heaters.”  Other common causes leading to house fires include deep fryers, candles, unattended cooking and Christmas trees.


People have come together to help others this holiday season.
Cambridge:
Mayor E. Denise Simmons launched a fundraiser for the displaced families with the goal of 500,000 and they have already exceeded the goal.  
Not all survivors of the fire had insurance so this money will be needed for day to day needs being clothes, food and shelter.
Two places to donate for Cambridge:
1: https://www.gofundme.com/cambridge-mayors-fire-relief-fund?ssid=841990250&pos=1
2: http://www.Cambridgema.gov/firefund

 Please be safe and call A-Affordable Insurance for a free renters or homeowners quote.
1-800-89 SAVES

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U Drive U Text U Pay

U Drive  -  U Text  -  U Pay

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A new Massachusetts campaign has been launched April 8th, 2016 and running until April 29th.
Texting while driving had been outlawed in Massachusetts September 30th, 2010.  Ticketing texting violators had been somewhat on a back burner and assigned mainly towards teenagers until now.  Accidents have increased greatly and Massachusetts has deemed texting to be a cause they would like to address for ultimate safety for all citizens while on the road.

Offenses and Fines:
Adults:  The law stands that no driver should be on their phone texting, writing or sending a message or simply browsing the internet.  Should the driver be stopped at a traffic light, they are still held liable and fined just the same.
1st Offense:  $100 fine
2nd Offense:  $250 fine
3rd and subs offense:  $500 fine

Juveniles:  
1st offense: $100 fine, license suspended for 60 days, and the driver is required to complete a driver attitudinal course.  
2nd offense:  $250 fine and license suspended for180 days
3rd or subs offense:  $500 fine and one year license suspension

ie. Massachusetts teen, Aaron Deveau was found guitly in the vehicular homicide of Donald Bowley in 2011. He was sentenced two years to prison and will serve one. In addition, his license had been suspended for 15 years.
Please read A-Affordable blog posted in August 2012.

Photo compliments of The Boston Herald:
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Bus Drivers: Bus drivers can be fined $500 for using their cell phones while driving.  Bus drivers are not permitted to use their phones in either hands-free or handheld manors.  
ie. On an early Sunday May 18th, 2014 an MBTA bus crashed into a guardrail hospitalizing 7 people.

Photo compliments of CBS local.

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Please click to read the Distracted Driving Law.


Jeff Larason Director of The Safety Bureau.  Quote compliments of Boston.com
“It's a big problem, across the country in the past year, the crash rates have been increasing.  It’s very likely that the increasing levels of distraction on the vehicle are a big part of that.”

Statistics:
National Safety Council has stated that cell phone use while driving leads to 1.6 million crashes each year.
According to USA Today, 1 out of every 4 car accident in US is caused by texting while driving. 
According to Alcohol Problems and Solutions, texting is 6 times more likely to cause an accident than driving drunk.
The CDC reports that each day in the US over 8 people are killed and 1061 injured in crashes that are reported to involve a distracted driver.

According to DRIVING LAWS, published by NOLO, Massachusetts text messaging and cell phone laws are considered ‘primary’ laws.  A primary law means that an officer can pull you over for the offense without having to witness some other violation.

 

Stay on the safe side.

DO NOT WRITE, READ, OR SEND from your phones. 

It is dangerous and can place you, your loved ones, your neighbors & strangers at great risk.


  

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