best live chat

   

Do You Have Enough Car Insurance?

Many people who have car insurance have it mostly because the state requires it to be “legal” on the road. But, does the fact that you’re “legal” mean you have enough insurance? Probably not, but here at A-Affordable Insurance … we can make buying insurance simple. We know auto insurance is complicated because there are so many different coverages that do different things. These coverages fall into two major categories:

Coverage for Bodily Injury - There are two types of coverage for injuries … those that protect you and your passengers or household members and those that protect others who are injured due to accidents for which you are ultimately responsible.

Part 1.   Bodily Injury To Others   

Part 2.   Personal Injury Protection               

Part 3.   Bodily Injury Caused By An Uninsured Auto

Part 5.   Optional Bodily Injury to Others

Part 6.   Medical Payments

Part 12. Bodily Injury Caused By An Underinsured Auto

Coverage for Property or Physical Damage - There are three types of coverages that protect your property, the property of others, or assist you or someone else while your vehicle or theirs is out of service

Part 4.   Damage to Someone Else’s Property

Part 7.   Collision

Part 8.   Limited Collision

Part 9.   Comprehensive

Part 10. Substitute Transportation

Part 11. Towing and Labor


We have put together a brief summary of each of these coverages and invite you to click on any of the coverage parts listed to view our summary. If you prefer, you can contact one of our knowledgeable insurance reps to discuss these coverages by calling us at 1-800-897-2837. Our convenient 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!

Continue reading
  17 Hits
  0 Comments
17 Hits
0 Comments

Happy Thanksgiving

Thanksgiving 2

Thanksgiving is a special time to be thankful for great families, fortunate events, caring friends, amazing communities, loyal customers, and all the gifts of life we’re fortunate to have. We wish you safe travels over the river and through the woods on Thanksgiving ... the busiest travel day of the year.

We at A-Affordable Insurance Agency wish our clients and their families throughout Massachusetts the happiest of Thanksgivings and offer our sincere thanks for your business and your confidence in us.

 

The BEST and WORST travel days for Thanksgiving 2019:

BEST  DAYS              Monday, November 25t

                                   Thursday, November 28th (Thanksgiving)

                                   Friday, November 29th (Highways – NOT Malls)

WORST DAYS          Wednesday, November 28th

                                  Saturday, November 30 th

                                  Sunday, December 1st

 

 

 

Continue reading
  30 Hits
  0 Comments
30 Hits
0 Comments

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.

Continue reading
  46 Hits
  0 Comments
46 Hits
0 Comments

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!

Continue reading
  75 Hits
  0 Comments
75 Hits
0 Comments

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.

Continue reading
  80 Hits
  0 Comments
80 Hits
0 Comments

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

FPW2019

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!

Continue reading
  80 Hits
  0 Comments
80 Hits
0 Comments

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

Continue reading
  114 Hits
  0 Comments
114 Hits
0 Comments

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!

Continue reading
  1 Hits
  0 Comments
1 Hits
0 Comments

Do You Rent Your Home?

b2ap3_thumbnail_Screen-Shot-2018-03-21-at-7.04.46-PM.png

 

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.

Continue reading
  1598 Hits
  0 Comments
1598 Hits
0 Comments

Everything you need to know about SMOKE DETECTORS.

IMG_3002.JPG

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.

Continue reading
  3288 Hits
  0 Comments
3288 Hits
0 Comments