Category Archives: Motorcycle Insurance

insurance scams

How to Avoid Insurance Scams

These days, it seems like scams are more prevalent than ever. Most of us have become acutely aware of people online trying to get our money through shady practices, but the fact is that they can happen anywhere. Thus, it’s imperative that you stay vigilant at all times and learn the various ways that insurance scams can occur.

Insurance scams are especially troubling because they can take advantage of you relatively easily. In most cases, if you’re not aware of the potential for fraud, you could get duped without knowing it.

So, with that in mind, we want to help you learn to avoid insurance scams. Knowing what to do in these situations will ensure that you don’t become another victim.

Types of Insurance Scams

The fact is that shady people can take advantage of you and your insurance in a multitude of ways. Some of the most common methods can be-

Fake Insurance Companies – these scammers get you to buy insurance through them, only to find out that they don’t provide the services they promised.

Intentional Damage or Injury – usually, this type of fraud occurs with your car. Because all states require drivers to carry some insurance, scammers target them all the time. In this case, they will cause collisions intentionally, either with another vehicle or as a pedestrian.

Inflated Prices – whether it’s after a natural disaster or it’s your mechanic inflating the cost of your repair bill, scammers will try to get more money from you or your insurance company.

How to Avoid These Scams

Knowing about the various ways that people will try and take your money is a significant step toward avoiding them. However, here are some other tips to make sure that you don’t get duped.

Do Your Homework
If insurance representatives or salespeople contact you, don’t take their word at face value. Thankfully, it’s easy to look up illegitimate businesses online, which you can even do from your phone.

Don’t Agree to Anything if You Don’t Understand It
If you’re going to be signing off on anything, you have to make sure that you know what’s going on. With many insurance scams, the scammers will be pushy or aggressive and try to get you to either pay immediately or provide your information before you have a chance to figure out what’s going on. If this happens to you, make sure to walk away before agreeing to anything they say.

If It’s Too Good to Be True, It Probably Is
This adage is valid when talking about insurance scams. For example, if an insurance company comes to you with a substantially lower rate, you want to question whether it’s really a good deal. In many cases, filing a claim is next to impossible, which means you have to pay out of pocket if something does happen.

Bottom Line – Be Cautious
Insurance scams are out there, but that doesn’t mean you have to be a victim. Keep a vigilant eye at all times, and don’t be afraid to say no to scammers. They thrive on misinformation and persistence, so don’t let them get your hard-earned money.

If you have any questions regarding your coverage always feel free to reach out to us at Northeast – Metro West Insurance.
insurance for millennials

3 Tips for Insurance for Millennials

Millennials can’t seem to get a fair shake these days. It seems like everyone wants to blame them for one thing or another. In reality, though, millennials are just like any other generation out there: working, paying bills and trying to find insurance. But finding just the right insurance can be difficult, if you don’t know what you’re looking for. How can you find the right insurance for millennials? Here are some tips to help you sort it all out:

1) Audit All The Items You Need Insurance For

Insurance carriers may offer discounts for when you are insuring multiple items. By knowing all your insurance needs your agent can review which carriers are going to offer you the best insurance options to match your needs. In addition, this will help with your monthly bill paying tasks. It is much more convenient to review statements from one carrier if possible. 

2) Talk With Your Agent About Possible Discounts

At Metro-West Northeast Insurance Agency are agents are always a phone call away. This allows you to review potential savings. For example some carriers offer discounts for items like Security Systems, AAA Memberships, and Auto Payment Options. Keeping your agent in the loop helps them understand your needs and provide the best over all value.

3) Understand What Your Deductibles Are

When you are speaking with your agent discuss with him rates vs deductibles. An agent can better asses your insurance needs if he understands what you are prepared for should a claim need to be filed. Then after you have reviewed this with your agent place some funds into a separate account to have on hand in case a file is claimed. Depending on your personal preferences you may rather have a smaller monthly insurance rate that has a larger deductible because you are prepared for the deductible if need be. On the other hand, you may rather pay a few dollars more monthly and have a smaller deductible.

Your relationship with your agent is really the key to having the best insurance that suits your needs. Metro-West Northeast Insurance Agents take pride in understanding their clients needs. If by chance you feel your current agent is not up to speed on your current needs give them a call.

If you are not insured with an agent from Metro-West Northeast Insurance Agency please reach out and our team will provide a free assessment. 

tips for summer drives

20 Tips for Summer Drives

It is that time of year, vacation time. Are you preparing for summer adventures across several states? Not only do you need to have a plan for your summer travels such as what to bring, where you are staying, food, entertainment, and more you need to consider your long drive ahead.

We put together 20 tips to consider as you get ready for your trip that will help you keep your eye on the road and ensure a safe, happy and memory of a lifetime trip!

  1. Get plenty of sleep the night before your long drive.
  1. Make sure your vehicle is in condition to take you on a long trip. This includes filling its gas tank and properly inflating its tires.
  1. Have your phone fully charged before your trip. In case of a problem, you can call emergency services right away.
  2. Have snacks with you to keep up your sustainability. Do not consume caffeinated drinks if you are driving, as their effects only last temporarily and get worse over time.
  3. Do not drink before driving. Even though you will not get erratic behavior after just one drink, it will cause you to become drowsy.
  4. Fasten your seatbelt to not only stay safe on the road but to also avoid a ticket from a police officer.
  5. Pull over every few hours and get some rest, get out of the car and stretch your legs, or stop somewhere and eat.
  6. If you have kids, make sure that they have something to occupy themselves with, such as novels or crossword puzzle books.
  7. If possible, share driving responsibilities with another person that you are driving with.
  8. Turn on the radio and/or listen to music to help you stay awake.
  9. Do not use your cell phone while driving. If you are using it as a GPS, keep it in a safe place within your reach, yet out of your line of sight.
  10. In cases of extreme traffic, use your GPS to find a detour that you can use to keep moving and not get stuck.
  11. As a backup plan, bring a traditional map with you, in case your GPS fails or is not reliable.
  12. Sign up for AAA or a roadside assistance program from your insurance provider.
  13. Conserve gas by going at the speed limit. It requires less fuel to drive slower.
  14. Stop at a gas station and refill your tank once you have 25 percent remaining.
  15. For food, avoid convenience stores and gas stations, and instead stop at a grocery or drug store, as you will get a larger and healthier selection of food.
  16. In case of a large storm, pull over and stop on the side of the road. Resume driving once the weather improves.
  17. Keep all valuables in either the trunk or glove compartment, this includes money that you may have to pay for parking or toll roads.

 

The key to a great trip is to plan ahead. Take your time and have fun! We would love to hear from you, do you have any special tips that you do to prepare for your vacations? Comment below.

Thanks for reading and happy travels!

 

Motorcycle Safety Guide: 7 Tips For First-Time Bikers

Motorcycle SafetyMotorcyclists are ecstatic that springtime weather is finally flourishing throughout New England, and for good reason. Hitting the scenic open roads can be an uplifting experience; which is why this time of year tends to influence those who have been itching to purchase a motorcycle for the first time. While the temptation may be growing, there are many things to consider before investing in that two-wheeler, more specifically, motorcycle safety.

Abide by These 7 Motorcycle Safety Tips to Keep Your Riding Experience a Happy One:

Safety Gear

In Massachusetts, state law requires anyone operating a motorcycle or riding as a passenger to wear a helmet that meets the minimum requirements laid out by the Registrar of Motor Vehicles. This law also applies to sidecar passengers. Although helmet laws vary from state to state, it is an undeniable safety precaution that ALL motorcyclists should abide by to prevent significant injury in the event of an accident. And leather jackets aren’t just a ‘fashion statement’ of the motorcycling community. Many bikers wear these jackets because they are thick and dense, which can provide better bodily protection if a fall takes place. Eye protection and thick gloves are also recommended.

Rider Awareness

Bikers must be even more alert of their surroundings than automobile drivers. They need to be mindful of any roadway hazards that could put them in a dangerous position. Always keep yourself visible to other drivers and keep an appropriate amount of distance from them. Communicate your directional intentions clearly by using proper signals and always keep your headlight on. It’s also recommended that for bikers of every experience level to use the least congested lanes. Noticing upcoming roadway activity, keeping balance and reacting to other drivers and/or animals on the road is crucial in safely operating a motorcycle, so avoid daydreaming and stay vigilant!

Know Your Bike

Before even considering making that first bike investment, familiarize yourself with how a motorcycle operates. Once you’ve learned the basics, research the specific mechanics and features of the bike you are looking into. NEVER buy one that hasn’t passed a thorough inspection or buy from an unknown and potentially unreliable source. After you’ve chosen the perfect ride for yourself, get into the habit of making a mental pre-ride checklist to ensure the bike is in ideal operating condition. Here is a checklist of items to double check before you hop on:

Fluids – Oil and all other fluids should be filled and checked for leaks underneath the bike

Tires – Should have proper air pressure and tread

Lights – Switch on all lights to make sure they are in working order; including turn signals

Throttle and Clutch – The throttle must be able to snap back when released and the throttle should feel smooth and tight.

Horn – Honk to test efficiency so other motorists can hear you

Brakes – Test the front and rear brakes separately to ensure they both hold firmly when applied

Mirrors – Keep them clean and adjusted according to your posture while on the bike

Check the Forecast

Driving in inclement weather can be problematic for any motorist, let alone bikers. The most experienced riders can get caught in a rainstorm, especially with the unpredictable New England Weather. No one wants to be on the first leg of their scenic bike ride only to roll into a wall of rain, so stay tuned to a reliable weather forecast in your area. In addition, roadways are the slickest immediately after rainfall begins because the water actually pulls oils from road surfaces.

Plan a Route

If you are buying a motorcycle with the intent to take in the sites, take the time to strategically plan out your trips. Take in into account road quality, attractions, and accommodations that are available on your preferred route. The Shelburne Falls Loop is a great example of a well-planned Massachusetts route for beginning and experienced riders. A big part of practicing motorcycle safety is knowing the areas in which you visit to avoid getting lost or stranded.

Know Your State’s Laws

Aside from the required licensing that is needed, bikers must familiarize themselves with the laws of any state that they plan on riding in. Simply knowing the laws of your home state could prove risky in the event you get stuck out of town, so research motorcycle laws and restrictions of your surrounding states as well.

Protect Yourself Financially

Last, but certainly not least, choose an adequate motorcycle insurance policy that is catered to your specific needs. Motorcycle safety isn’t only about protecting your physical well-being, but also for protecting your assets in the event of an accident. A quality insurance plan doesn’t have to break the bank either, and we’d like to prove it to you!

If you’re a first-time bike owner and wish to acquire a cost-effective insurance policy, call Northeast Insurance Agency at (800) 443-7007 or email us at info@neinsure.com.