Auto Insurance

No one wants to discover after an accident that their insurance coverage falls short. At Murphy Insurance, we’re here to help you secure the right auto insurance.

Affordability is key when choosing auto insurance, but it’s important not to be lured by attractive yet insufficient policies that could leave you at risk.

Our focus is on your safety and financial protection.

Auto Quote Contact Us

Every insurance company has its unique offerings, making it challenging to compare options effectively. That’s where we shine.

You might be surprised to learn that enhancing your auto insurance coverage often requires just a small additional investment. We simplify the process by helping you evaluate provider and policy choices, seek out discounts, and optimize your car insurance within your budget constraints. Ultimately, we aim to provide you peace of mind, knowing that you and your loved ones are well-protected.

Understanding Your Auto Insurance Coverage

Auto insurance helps financially protect you and those you care about. Depending on the coverage options you select, your insurance can:

Pay for damage and repairs to your vehicle in an accident.
Cover damage to another vehicle or other property in an accident.
Cover medical expenses associated with an accident.
Pay for losses caused by underinsured or uninsured drivers.
Reimburse you for damages from vandalism, natural disasters, or theft.
Pay for legal representation in case of an automobile-related lawsuit.

Auto insurance can seem confusing. But once you understand the different types of coverage that make up your policy, it’s not hard at all.

Your auto insurance consists of 12 distinct parts divided into two categories: Compulsory and Optional. The first four parts are Compulsory coverages required by Massachusetts law. The other eight are Optional; however, they provide additional insurance protection.

A brief explanation of each part of the coverage is listed below.

Compulsory (Required) Insurance

Bodily Injury To Others
This coverage pays for damages if you are legally responsible for an accident in Massachusetts that injured someone other than passengers in your vehicle. It also provides for legal defense and court costs.

Personal Injury Protection
This is commonly known as “No-Fault” and provides benefits, including medical expenses, lost wages, and replacement cost services.

Bodily Injury Caused By An Uninsured Auto
Pays damages for bodily injury resulting from inevitable accidents caused by uninsured autos or in a hit-and-run situation.

Property Damage
This coverage pays for damages to someone else’s vehicle or other property damaged in an accident if you, a household member, or someone using your auto with your consent is legally responsible.

Optional Insurance

Optional Bodily Injury to Others
Pays for damages to people injured or killed in an accident if you, a household member, or someone else using your auto with your consent is legally responsible for the accident. Unlike the compulsory part, this coverage does provide coverage for injuries to your passengers and accidents occurring outside of Massachusetts.

Medical Payments
This coverage pays for reasonable expenses for necessary medical and funeral services for yourself and your passengers due to an auto accident. It also covers expenses if you or a household member is struck by a vehicle or are a passenger in another vehicle at the time of an accident.

Collision
This coverage pays for any direct and accidental damage to your vehicle caused by a collision, regardless of fault. It also covers damage to other private passenger autos used by you or a household member with the owner’s permission.

Limited Collision
This coverage will pay in some situations for direct and accidental damage to your vehicle caused by a collision. Coverage is only provided for multiple-car accidents in which the driver of the auto we are covering was no more than 50% at fault.

Comprehensive
This is not a substitute for Collision or Limited Collision. This will pay for direct and accidental damage to or loss of your auto in non-collision situations, including vandalism, theft, fire, wind, hail, flood, hitting an animal, etc.

Substitute Transportation (Rental Reimbursement)
This coverage reimburses you for car rental costs up to the limits shown on the Coverages Selections Page in certain situations if your auto was in a collision and is being repaired or replaced.

Towing & Labor
This coverage pays for auto towing and labor due to a breakdown, even without an accident. Coverage is up to the limit shown on the declaration page.

Bodily Injury Caused by an Underinsured Auto
This coverage pays for damages for bodily injury or death as the result of certain accidents caused by someone who does not have enough insurance.

How Much Auto Insurance Do I Need?

The answer to this question isn’t cut and dry. We understand that everyone wants to save money. With tight budgets, the amount you pay for insurance is certainly of concern, but you also need to be careful that you are sufficiently covered. You don’t put yourself at financial risk should something happen. How much insurance is right for you depends on your situation, and we can help you determine what feels right based on your needs and budget.

When deciding how much insurance you need, answering the following three questions can be helpful.

1) What Liability Coverage Limits Will Be Enough to Protect Me?

It’s impossible to predict precisely how much you would have to pay if you were found responsible for an accident because too many variables are involved in any situation. While there isn’t a set formula, it can be helpful to consider how you would pay for any damages that exceed your coverage limits. Even “minor” accidents can cause costly property damage, skyrocketing medical care costs, or other possible monetary damages should you injure someone. When deciding your limits, you should consider how much you would need for a worst-case scenario, not an “average” accident, because it only takes one catastrophe to change your life. The higher your liability coverage limits, the more likely your policy will be able to pay all the damages and protect you financially. You don’t want to risk a lot for a little.

2) What Collision and Comprehensive Deductibles Can I Afford?

Higher deductibles lower your premium but increase the amount you must pay out of pocket if a loss occurs. Determine how much you would be willing AND able to spend on short notice to save on your premium. It may make sense to have a higher deductible and use those “savings” to purchase higher protection limits on other parts of your policy that cover liability. Again, you should consider getting adequate coverage to protect you in a catastrophe.

3) Should I Carry Collision and Comprehensive Coverage?

If you have a loan on your vehicle or lease it, you might be required to carry collision and comprehensive coverage. If you own your car free and clear, consider dropping these coverages to save money as the value of your car decreases. However, you need to decide whether or not the risk of paying the entire cost of repairing or replacing your vehicle is worth the savings in premiums.

Let our professionals walk you through your options. Complete a Get An Auto Insurance Quote request online, and we will contact you. Or Contact Us to have a conversation about your protection plan.

Other Vehicle Coverage

More Information About Auto Insurance

Auto Insurance Companies

At Murphy Insurance, we collaborate with top-rated insurance companies to meticulously assess and compare options, striking the perfect balance between cost and coverage that aligns with your needs. When a car accident happens, you want to be covered. And we want to help you get the protection you need. If you’re shopping for car insurance, price is important, but be aware of cut-rate policies that leave you unprotected. We don’t believe in you risking a lot for a little.

You might be surprised, but it often only costs a little more to improve your auto insurance coverage substantially. Every insurance company has differences in their offerings, so comparing options is more challenging than it might seem. We help you compare options, look for discounts, and focus on maximizing your car insurance coverage to fit your budget. Ultimately, we want you to know that you and those you care about are protected. At Murphy Insurance, we work with top-rated insurance companies and compare options to find the best balance of cost and coverage for you.

Let us eliminate confusion and help you find the best value.

Click here to submit an inquiry to Murphy Insurance or call us at 800 222 8711

Auto Insurance Blog Posts

What Is Comprehensive Coverage in Auto Insurance and What Does It Cover?

May 20, 2026

Comprehensive coverage is part of an auto insurance policy and helps protect your vehicle from damage caused by non‑collision events such as theft, weather, or vandalism. Learn what comprehensive coverage includes, what it does not cover, and when it may be worth adding to your auto policy.

Stay Safe With Motorcycle Safety Awareness Month

May 5, 2026

May is Motorcycle Safety Awareness Month. This time is dedicated to helping bikers and their passengers remain safe while cruising the road. Although your bike can be a thrilling and exciting way to travel, it’s also often more dangerous than using a passenger car. Check out safety tips to keep in mind.

Steering wheel

What Should You Do After a Car Accident to Help Your Insurance Claim?

April 29, 2026

A car accident can be stressful and overwhelming, especially in the moments that follow. This checklist outlines practical steps drivers can take after an accident to protect themselves, document key details, and help keep the insurance claims process on track

Preventing Distracted Driving

April 2, 2026

According to the National Safety Council, more than 3,000 people die each year as a result of distracted driving crashes. Keep reading to learn what you can do to reduce potential distractions while you drive—keeping both yourself and others safe on the road.

Massachusetts RMV Text Scams Are Rising: How to Protect Yourself

March 18, 2026

Massachusetts drivers are being targeted by RMV text scams demanding payment and personal information. Learn how these smishing attacks work, what national data shows, and how to recognize red flags, avoid fraudulent links, and protect yourself from identity theft and financial loss.

Carbon Monoxide Safety for Your Home and Your Vehicle

February 24, 2026

Carbon monoxide is a silent winter danger that can affect anyone, whether you’re at home or sitting in your vehicle during a storm. Heavy snow, blocked vents, and improvised heating sources can cause CO to build up quickly without warning. This guide explains the most important do‑nots, safer alternatives, and key precautions to help protect your household, your passengers, and your neighbors during severe winter weather.

The Defensive Driving Process

February 2, 2026

To be a defensive driver, it’s important to follow a three-step process: see hazards, determine potential responses, and act in time. Driving in Massachusetts means navigating heavy traffic, narrow roads, construction zones, and unpredictable New England weather. Defensive driving helps local drivers anticipate hazards, reduce accident risk, and protect their auto insurance record.

Shopping for a Safe Vehicle

January 13, 2026

When shopping for a new vehicle, safety should be a top consideration. This brief guide outlines key safety features—from crash protection to advanced driver assistance systems—and explains how they can impact your insurance costs. Understanding these factors can help you make a smarter, more informed purchase.

Operating Under the Influence (OUI) Will Cost You Money

January 9, 2026

An Operating Under the Influence (OUI) conviction is more than a legal problem; it’s a financial disaster. Between fines, court fees, license costs, higher insurance premiums, towing, and lost wages, one mistake can cost you between $11,000 and $30,000. The best way to save? Don’t drink and drive.

How Deductibles Affect Auto Insurance Premiums

December 27, 2025

Learn how your auto insurance deductible impacts both your premium and your protection. Choosing the right deductible can help you balance monthly costs with what you would pay out of pocket if an accident or covered claim occurs, giving you better control over your coverage and budget.

Safe Driving Saves Money on Your Automobile Insurance

July 18, 2025

For better or worse, your automobile insurance premium is a direct result of your driving record. While you can’t always prevent every accident or control what happens on the road, safe driving is one of the most powerful tools you have to protect both yourself and your finances. Keep reading to learn how maintain a safe driving record can lower your premium, and—as a result—protect your wallet.

Buying a Car? Don’t Forget the Insurance Quote First!

July 14, 2025

Shopping for a new car can be exciting, but it’s crucial to check in with your agent before finalizing your purchase. Not all vehicles are created equal when it comes to insurance costs. Two cars might look similar on the outside, but one could cost you hundreds more per year to insure.

Risks of Lowering Auto Coverage

June 20, 2025

Many drivers look to reduce their auto insurance premiums by lowering coverage or dropping parts of their policy altogether. While it’s true that cutting back can save a few dollars in the short term, the long-term consequences of being underinsured can be financially devastating—especially in the aftermath of a serious accident. Learn about ways you can save without exposing yourself to major financial risk.

Auto Insurance in Hudson, MA: What You Need to Know

March 28, 2025

If you live in Hudson, MA, or the surrounding areas, securing the right auto insurance is essential. Whether you’re a daily commuter, a weekend traveler, or a first-time driver, having the appropriate coverage ensures protection on the road and compliance with Massachusetts’ legal requirements.

What to Do After a Hit-and-Run

March 27, 2025

When you’re involved in a vehicle collision and the other driver takes off without exchanging insurance information, this is commonly referred to as a hit-and-run. Review the following guidance to understand what information to collect and who to contact following a hit-and-run incident.

Common Auto Insurance Terms

February 25, 2025

Auto insurance can be confusing at times. Policies often contain a variety of terms that can be difficult to understand, especially for someone without a background in insurance. The following is a list of common auto insurance terms to keep in mind the next time you meet with your insurance broker.

6 Factors Driving Commercial Auto Losses

February 18, 2025

A variety of trends have contributed to the rise of commercial auto losses. Here is a look at the most significant factors driving commercial auto losses across the country.

6 Types of Auto Insurance Coverage

August 26, 2024

Interpreting the various types of coverage offered under your auto insurance policy can be tricky, but extremely beneficial. To help you develop a better understanding of your policy, here are six types of coverage that it may include.

How Distracted Driving and Texting Impact Your Auto Insurance Premiums

July 17, 2024

One major reason for auto insurance premiums going up is the rise in distracted driving, especially texting while driving. Distracted driving has become a leading cause of accidents, pushing up costs for insurance companies and, ultimately, leading to higher premiums for all drivers.

5 Tips for Adding a Teen to Your Auto Policy

June 21, 2024

If your teen is approaching driving age, it may be time to start thinking about your plan for adding them to your auto insurance policy. Here are five tips to consider when adding a teen to your auto insurance policy.

Understanding the Risks of Speeding

June 19, 2024

According to NHTSA data, speeding kills more than 12,000 people behind the wheel each year, contributing to nearly one-third (29%) of all traffic fatalities. With this in mind, it’s important to understand what causes speeding and how to prevent it.

Distracted Driving Awareness Month: Are You Doing Your Part?

April 1, 2024

April is Distracted Driving Awareness Month, recognized by the National Safety Council. It aims to raise awareness about the dangers of distracted driving and urges motorists to minimize distractions while driving.

Changing “Garaging?” Don’t Delay In Telling Your Agent

January 24, 2024

The location where your vehicle is primarily parked overnight is termed the “garaging location”. If the garaging location changes, your auto insurance policy states that you are required to notify the insurance company immediately. There is no grace period for notification; therefore, it’s a good idea to let your agent know in advance when a garaging change will occur.

Driving in Winter…Be Prepared and Stay Safe

December 27, 2023

Snow, sleet, ice and below freezing temperatures all have an effect on driving conditions. During winter, safety depends on driver performance in winter hazards, good vehicle maintenance—and common sense. These tips will help you and your car weather the winter.

Previous Next

Auto Insurance FAQ, Tips and Myths

What Is Comprehensive Coverage in Auto Insurance and What Does It Cover?

May 20, 2026

Plan Your Routes | Auto Insurance Tips

May 9, 2026

Avoiding traffic jams isn’t just convenient—it’s safer. Heavy congestion can lead to impatient driving, sudden stops, and accidents. It also increases the chances of rear-end collisions and fender benders, especially in stop-and-go traffic. By planning ahead, you reduce the chances of encountering these hazards. Staying calm behind the wheel helps keep everyone on the road safer and reduces the risk of costly collisions or insurance claims. Read our Auto Insurance Tip #69 post to learn more.

Wheel Alignment Matters | Auto Insurance Tips

May 7, 2026

Correct alignment helps your tires wear evenly, improves handling, and boosts fuel economy. It also reduces strain on your suspension system and other components, saving you money over time. Keeping your wheels properly aligned can also extend the life of your tires, delaying the need for costly replacements. Most importantly, it helps keep your vehicle stable and predictable—especially when making sudden maneuvers or driving in bad weather. Read our Auto Insurance Tip #67 post to learn more.

Set Car Reminders | Auto Insurance Tips

May 6, 2026

When you stick to a regular maintenance schedule, your car performs better, lasts longer, and retains more of its value. A well-maintained vehicle is less likely to break down, malfunction, or contribute to an accident. A regular schedule also makes repair costs more predictable and reduces the likelihood of being caught off guard by a sudden issue. This kind of consistency pays off in the long run—especially if you plan to keep your car for many years. Read our Auto Insurance Tip #66 post to learn more.

Keep Your AC Chill | Auto Insurance Tips

May 5, 2026

If your AC doesn’t feel as cold, smells musty, or takes longer to cool the car, your cabin air filter may be to blame. A clogged filter limits airflow and forces your system to work overtime, which can put unnecessary strain on the vehicle and increase fuel use. In some cases, it can even reduce the effectiveness of your defroster during colder months. Regular maintenance helps your system run smoothly—especially during hot weather or long trips. Read our Auto Insurance Tip #65 post to learn more.

Stay Safe With Motorcycle Safety Awareness Month

May 5, 2026

Practice Lane Discipline | Auto Insurance Tips

May 4, 2026

Maintaining proper lane discipline is one of the most underrated ways to keep roads safer and more predictable. Whether you’re on the highway or navigating local roads, staying in your lane and signaling clearly helps reduce confusion, prevent accidents, and make traffic flow smoother for everyone. Unsafe lane changes and erratic driving can lead to preventable accidents and insurance claims. Sideswipes and rear-end collisions caused by poor lane decisions often result in higher premiums or points on your license. By simply staying in your lane and driving with care, you can avoid these outcomes and protect your driving record. Read our Auto Insurance Tip #64 post to learn more.

Speed Limits Save Lives | Auto Insurance Tips

May 3, 2026

Speeding may seem harmless when you're running late or keeping up with the flow of traffic, but it drastically reduces your reaction time. Being a safe driver doesn’t mean being the slowest one on the road—it means making thoughtful, informed decisions behind the wheel. Respecting speed limits and adjusting your pace to the environment shows you're not just getting to your destination—you're doing it responsibly. Staying within the speed limit protects not just your safety, but your driving record and financial stability as well. Read our Auto Insurance Tip #63 post to learn more.

Use Your Turn Signals | Auto Insurance Tips

May 2, 2026

Accidents caused by improper or absent signaling are often preventable—and may result in being found at fault in an insurance claim. Rear-end crashes, sideswipes, and intersection collisions often stem from a failure to signal. That can mean higher repair costs, rising premiums, and a blemish on your driving history. Using your turn signal consistently is a simple, no-cost way to protect your record and reduce the risk of filing a claim. Read our Auto Insurance Tip #62 post to learn more.

Keep a Safe Distance | Auto Insurance Tips

May 1, 2026

Rear-end crashes caused by tailgating are almost always preventable, and insurance companies often consider the following driver at fault. Even minor fender benders can lead to expensive repairs, higher premiums, and a long claims process. Most safety experts recommend the “two-second rule”—stay at least two seconds behind the car in front of you in good conditions, and more in bad weather. That space might not seem like much, but it can make all the difference when traffic slows unexpectedly or someone brakes hard. Read our Auto Insurance Tip #61 post to learn more.

Be Emergency Ready | Auto Insurance Tips

April 30, 2026

Being emergency-ready isn’t just about comfort—it’s about reducing risk. A properly prepared vehicle can help prevent small issues from becoming bigger problems. In some cases, quick action from a well-equipped driver can avoid situations that lead to insurance claims, like roadside accidents or weather-related incidents. Planning ahead is one of the best ways to protect yourself and your passengers. Read our Auto Insurance Tip #60 post to learn more.

Don’t Ignore a Check Engine Light | Auto Insurance Tips

April 29, 2026

Ignoring the check engine light may not cause immediate problems, but it can allow a minor issue to worsen over time. What starts as a $50 fix could turn into a $500 repair if left unchecked. Worse yet, some ignored problems can lead to breakdowns or mechanical failures that affect your safety or result in an accident—potentially triggering an insurance claim and raising your premiums. A diagnostic scan at your local repair shop or auto parts store can help pinpoint the issue quickly—and often affordably. Read our Auto Insurance Tip #59 post to learn more.

Steering wheel

What Should You Do After a Car Accident to Help Your Insurance Claim?

April 29, 2026

Rotate and Roll | Auto Insurance Tips

April 28, 2026

Every tire on your vehicle wears differently depending on its position, your driving habits, and whether your car is front-, rear-, or all-wheel drive. Without regular rotation, some tires may wear out faster than others, leading to poor traction, a rougher ride, or even premature tire failure. Worse yet, uneven tires can increase your risk of a blowout or affect your ability to stop or steer safely—especially in bad weather. Read our Auto Insurance Tip #58 post to learn more.

Top it off! | Auto Insurance Tips

April 27, 2026

Neglecting basic fluid maintenance can lead to far more than inconvenience. Overheating, brake failure, and poor visibility are all risks that can be minimized—or completely avoided—by staying proactive. And from an insurance standpoint, avoiding accidents caused by poor vehicle maintenance helps you stay claim-free and keeps your rates stable. Prevention is always cheaper than repair, and far less stressful than an emergency. Read our Auto Insurance Tip #57 post to learn more.

Listen up! | Auto Insurance Tips

April 26, 2026

If something doesn’t sound right, it probably isn’t. Ignoring vehicle issues can sometimes lead to breakdowns, accidents, or damage that could result in an insurance claim—or worse, leave you stranded. Early detection not only helps avoid high repair costs but can also prevent situations that put your safety at risk. Staying ahead of problems is one of the best ways to keep your driving record clean and your premiums low. Read our Auto Insurance Tip #56 post to learn more.

Rub-a-dub-dub | Auto Insurance Tips

April 25, 2026

While it might not seem like it, maintaining a clean vehicle can help you avoid certain insurance-related headaches. Rust or deterioration caused by neglect could potentially impact a damage assessment or lead to more serious issues down the line—like structural problems or avoidable repairs. A well-maintained car not only holds its value but also helps support your safety on the road. Read our Auto Insurance Tip #55 post to learn more.

Brighten Up! | Auto Insurance Tips

April 24, 2026

Staying visible helps prevent accidents, especially during dark or unpredictable driving conditions. Functional lights not only keep you compliant with the law—they give other drivers the cues they need to keep everyone safe. Taking small steps to maintain your vehicle's lights can help you avoid filing a claim, preserve your good driving record, and potentially keep your insurance rates low. Read our Auto Insurance Tip #54 post to learn more.

Boost Your Fuel Efficiency | Auto Insurance Tips

April 23, 2026

Underinflated tires create more rolling resistance, which means your engine has to work harder to move your vehicle. That extra effort translates to lower fuel efficiency and increased wear on your tires. On the flip side, tires that are overinflated can reduce traction and lead to uneven tire wear. Keeping your tire pressure at the manufacturer’s recommended level helps you strike the right balance for both performance and safety. Read our Auto Insurance Tip #53 post to learn more.

Smooth Stops Only | Auto Insurance Tips

April 22, 2026

Brake pads, rotors, and tires wear out faster when you stop abruptly or slam on the brakes. These parts aren’t cheap to replace, and frequent hard stops can add up to costly repairs. Smooth stopping reduces mechanical wear and tear and can even improve your fuel efficiency since your car maintains momentum more effectively. Beyond vehicle maintenance, smooth stops help prevent one of the most common types of accidents—rear-end collisions. Read our Auto Insurance Tip #68 post to learn more.

Keep Your Engine Happy | Auto Insurance Tips

April 21, 2026

One of the easiest ways to keep your vehicle running smoothly and avoid unexpected repair costs is by keeping up with regular oil changes. Your engine relies on clean oil to stay lubricated, cool, and free of damaging debris. Over time, oil breaks down and gets dirty, making it less effective at protecting your engine. Ignoring oil changes can lead to poor performance, lower gas mileage, and costly repairs—or even total engine failure. Read our Auto Insurance Tip #51 post to learn more.

RRules Don't wear headphones when driving #50

Don’t Wear Headphones When driving | Auto Insurance Tips

April 20, 2026

When you're behind the wheel, staying alert to everything happening around you is crucial for your safety and the safety of others. Headphones can block out important sounds that help you stay aware of your surroundings, such as the honking of another driver, sirens from emergency vehicles, or even the sounds from your own vehicle indicating a potential problem. By keeping your ears open to these sounds, you're better equipped to react to unexpected situations. Read our Auto Insurance Tip #50 post to learn more.

RRules Don't rely on traffic signals #49

Don’t Rely on Traffic Signals | Auto Insurance Tips

April 19, 2026

Traffic signals are just one piece of the puzzle when it comes to safety on the road. While we depend on them to help control the flow of traffic, they don’t account for every possible scenario. Drivers may not be paying attention, pedestrians might cross when they shouldn’t, or cyclists may not always follow the rules of the road. These unpredictable moments can put everyone at risk, which is why staying alert is so important. The best thing you can do is keep your eyes on the road, anticipate potential hazards, and be ready to react quickly and safely when necessary. Read our Auto Insurance Tip #49 post to learn more.

RRules Full stop for blind pedestrians #48

Full Stop for Blind Pedestrians | Auto Insurance Tips

April 18, 2026

If you spot someone using a white cane or accompanied by a guide dog, it's a clear indication that they are blind or visually impaired. In these situations, it's not just courteous—it's the law—to come to a complete stop. No exceptions. These individuals rely on drivers to follow the rules and give them the time and space they need to cross safely. Even if you don’t immediately see them stepping into the road, be patient and prepared to wait. Read our Auto Insurance Tip #48 post to learn more.

Yield to Pedestrians | Auto Insurance Tips

April 17, 2026

As drivers, it’s essential to remember that pedestrians often have the right of way—especially at intersections and marked crosswalks. This includes people on foot, in wheelchairs, or using walkers, all of whom depend on drivers to stay alert and respectful. A common situation where this matters is when you’re stopped at a red light and it turns green. Before moving forward, take a moment to check for any pedestrians still crossing. A quick pause can prevent a serious accident and help keep everyone on the road safe. Read our Auto Insurance Tip #47 post to learn more.

Right of Way for Animals | Auto Insurance Tips

April 16, 2026

While cars and trucks are the usual vehicles on the road, it’s important to remember that in many places, including Massachusetts, horseback riders and drivers of horse-drawn vehicles also share the roadway. These riders and their animals have specific rights, and as a responsible driver, it’s essential to approach these situations with care. Understanding local laws regarding equestrians ensures everyone’s safety and fosters a more respectful driving environment. Read our Auto Insurance Tip #46 post to learn more.

Yield to Funeral Processions | Auto Insurance Tips

April 15, 2026

Funeral processions are given special legal protection in most states, and interfering with them is not only a violation of the law—it’s a sign of disrespect to those who are mourning. These solemn convoys, which often include family, friends, and loved ones, are traveling together to honor someone who has passed away. By yielding the right of way and allowing the procession to pass uninterrupted, you show respect for the grieving process and demonstrate basic courtesy during a sensitive and emotional time. Read our Auto Insurance Tip #45 post to learn more.

Yield to Emergency Vehicles | Auto Insurance Tips

April 14, 2026

When an emergency vehicle is rushing by with sirens blaring and lights flashing, it’s not just a moment of chaos—it’s a moment that calls for action. Whether it’s a fire truck heading to a blaze or an ambulance responding to a medical emergency, your quick response can help save lives. Yielding properly isn’t just good manners—it’s the law, and it’s crucial for everyone’s safety. Read our Auto Insurance Tip #44 post to learn more.

Rotary Right of Way Law | Auto Insurance Tips

April 13, 2026

Rotaries—also known as roundabouts—are designed to keep traffic flowing efficiently, reduce congestion, and improve safety. But they only work well when everyone follows the rules. The most important one? Traffic already in the rotary has the right of way. That means when you approach a rotary, you must wait for a safe gap in traffic coming from your left before entering. Cutting in or forcing your way through not only causes confusion—it can lead to dangerous accidents. Read our Auto Insurance Tip #43 post to learn more about navigating four-way stops with confidence.

Right of Way Laws at Four-Way Stops | Auto Insurance Tips

April 12, 2026

Knowing and following right-of-way laws is essential for keeping everyone safe and traffic flowing smoothly, especially at busy intersections. One key rule to always remember: the first vehicle to arrive at a stop has the right of way. If you and another driver arrive at the same time, yield to the car on your right—it’s a simple gesture that promotes safety and cooperation on the road. These small moments of awareness and courtesy can make a big difference, helping to prevent confusion, fender benders, and even serious accidents. Read our Auto Insurance Tip #42 post to learn more about navigating four-way stops with confidence.

RRules Car on the right has the right of way #41

Car on the Right Has Right of Way | Auto Insurance Tips

April 11, 2026

When two drivers reach an intersection at the same time, confusion can happen fast. But there’s a simple rule that clears things up: the driver on the right has the right of way. This often-overlooked rule plays a big part in keeping intersections safe—especially when there’s no traffic light or stop sign to direct who goes first. Whether you're in a parking lot, a neighborhood street, or a rural crossroad, knowing who yields can help prevent costly (and avoidable) accidents. Read our Auto Insurance Tip #41 post to learn more.

Right of Way Laws. Turning Left…Yield! | Auto Insurance Tips

April 10, 2026

Turning left might seem like second nature, especially for experienced drivers, but it’s actually one of the most common situations where accidents occur. These collisions often happen when drivers misjudge the speed or distance of oncoming vehicles, or try to "beat the light" without fully assessing the intersection. Left turns require extra caution and clear judgment because you're crossing oncoming traffic, which puts you directly in harm’s way if a mistake is made. That’s why it’s so important to follow one key rule: when turning left, you must yield to any vehicle coming toward you, no matter how slow they appear to be moving. Read our Auto Insurance Tip #40 post to learn more.

Right of Way Laws…Yield! | Auto Insurance Tips

April 9, 2026

Yielding doesn’t mean giving up your spot out of politeness—it means following the law and helping traffic flow safely and smoothly. It’s a crucial part of defensive driving that helps prevent confusion and reduces the risk of accidents. If another vehicle is already in the intersection, you’re required to yield, giving them the right of way. This applies not just at intersections, but also when merging, at yield signs, and when pedestrians are crossing. Ignoring this rule can lead to dangerous collisions, serious injuries, and costly legal or insurance consequences.. Read our Auto Insurance Tip #39 post to learn more.

Be Prepared for Anything | Auto Insurance Tips

April 8, 2026

Flat tires, dead batteries, unexpected weather—life on the road is full of surprises, and they don’t always come with a warning. While we all hope to avoid emergencies while driving, being prepared can make all the difference if something does go wrong. Having the right tools and supplies on hand can help you stay calm, make safer decisions, and potentially get back on the road more quickly. That’s why every vehicle should have a well-stocked emergency kit with essentials like a flashlight, jumper cables, first aid supplies, and basic tools. Read our Auto Insurance Tip #38 post to learn more.

Click it or Ticket! | Auto Insurance Tips

April 7, 2026

Many people think they don’t need to buckle up for short trips or when driving at low speeds—but that’s a dangerous myth. Most accidents happen within 2.5 miles of home, and often at speeds under 40 mph. Don’t take the risk. And it’s not just about drivers. Everyone in the car—front and back—should be buckled up. In many states, the driver is responsible for making sure passengers are wearing their seatbelts. Read our Auto Insurance Tip #36 post to learn more.

RRules Don't be a stinka. use ya blinka #36

Don’t Be a Stinka, Use Ya Blinka! | Auto Insurance Tips

April 6, 2026

Letting other drivers know your next move isn’t just polite—it’s smart and safe. A quick flick of your blinker gives everyone around you time to react, whether you're turning, merging, or changing lanes. Taking the extra second to use your blinker could help keep your driving record clean and your insurance rates lower. Other drivers aren’t mind readers. Signaling early and clearly removes the guesswork, making the road safer for everyone. Read our Auto Insurance Tip #36 post to learn more.

RRules Check and replace worn wiper blades #35

Check & Replace Worn Wiper Blades | Auto Insurance Tips

April 5, 2026

Good visibility is essential for safe driving. Over time, sun, heat, and general use wear down your blades, making them less effective. Worn-out wiper blades don’t just squeak—they streak, skip, and reduce your visibility when you need it most. Driving with poor visibility is a major risk. Accidents happen in a split second, and if you can’t see clearly, you can’t react in time. When it comes to insurance, if poor visibility contributes to an accident, it could still be considered your fault, even if the weather played a role. Read our Auto Insurance Tip #35 post to learn more.

Don’t Drive Drowsy! | Auto Insurance Tips

April 4, 2026

When you’re overly tired, your body and brain simply aren’t operating at full capacity. That means slower reaction times, poor decision-making, and even the risk of falling asleep at the wheel. Studies show that being awake for 18–24 hours affects your driving as much as having alcohol in your system. Driving tired isn’t worth the risk. Your safety, your passengers, and others on the road depend on a fully alert driver. Read our Auto Insurance Tip #34 post to learn more.

Got Cranky Kids? Pull Over! | Auto Insurance Tips

April 3, 2026

Distracted driving is one of the leading causes of accidents—and noisy or fussy kids are a major distraction. You might be tempted to hand back a toy, quiet a tantrum, or turn around to referee. But taking your eyes or mind off the road, even for a few seconds, can be dangerous for everyone in the car. If your little ones need your attention, the safest move is to pull over. By making safe choices, you help protect your driving record—and your wallet. Read our Auto Insurance Tip #33 post to learn more.

Pass the Keys…Call a Ride | Auto Insurance Tips

April 2, 2026

Driving under the influence doesn’t always look like weaving or swerving. Sometimes, it’s slower reaction times, poor judgment, or failing to notice hazards. And it only takes one second of delay to cause a crash. Aside from the emotional toll and potential for injury or death, driving under the influence can have a huge financial impact— all of which can be avoided by not driving impaired. Read our Auto Insurance Tip #32 post to learn more.

Preventing Distracted Driving

April 2, 2026

Leave It…Don’t Retrieve it! | Auto Insurance Tips

April 1, 2026

Reaching for something while driving may not seem like a big deal, but it can be just as dangerous as texting. When your attention shifts—even briefly—your ability to react disappears. And accidents can happen in the blink of an eye. If you drop something, wait until you’re safely parked or at your destination to retrieve it. Minimizing distractions like reaching for dropped items can help you avoid preventable crashes—and that keeps your driving record clean. Read our Auto Insurance Tip #31 post to learn more.

RRules Rolling around is distracting #30

Rolling Around is Distracting | Auto Insurance Tips

March 30, 2026

When things are sliding, rattling, or tipping over in your car, your eyes and attention naturally shift away from the road. Even momentary distractions can increase the risk of a crash, especially in stop-and-go traffic or during sudden maneuvers. Driving without distractions helps you avoid sudden stops, fender benders, and preventable accidents—all of which can lead to insurance claims and higher premiums. Read our Auto Insurance Tip #30 post to learn more.

Adjust Before Driving | Auto Insurance Tips

March 29, 2026

Before you even start the engine, take a moment to make sure your car is set up for you. It might seem like a small step, but adjusting your seat and mirrors before you drive can make a big difference in both comfort and safety. When you're adjusted correctly, you're less likely to strain, fumble with controls, or shift around mid-drive—all things that can distract you or slow down your reaction time. It’s a small routine that builds better driving habits—and may even help keep your insurance rates in check. Read our Auto Insurance Tip #29 post to learn more.

4 Second Rule in Bad Weather | Auto Insurance Tips

March 28, 2026

Most rear-end collisions happen because drivers follow too closely especially in challenging conditions. Staying at least four seconds behind the car ahead gives you more time to react when conditions are less than ideal. Insurance companies take notice of safe driving habits, and keeping a safe distance in all weather is a smart, proactive move. You’ll reduce your risk, protect your driving record, and possibly qualify for safe-driver discounts. Read our Auto Insurance Tip #28 post to learn more.

One-1,000…Two-1,000 | Auto Insurance Tips

March 27, 2026

We all want to get where we’re going—but tailgating won’t get you there any faster. Keeping at least two seconds of space between you and the car ahead gives you the time you need to react if something goes wrong. That small buffer can make a huge difference in avoiding accidents. Maintaining a safe following distance not only protects you and others, but can also help you avoid costly insurance claims and premium increases. Read our Auto Insurance Tip #27 post to learn more.

RRules Don't chill out while driving #26

Don’t Chill Out While Driving! | Auto Insurance Tips

March 26, 2026

When you're overly relaxed or distracted, your reaction time slows, and you may miss important cues like brake lights ahead, a pedestrian stepping off the curb, or someone suddenly swerving into your lane. That’s when accidents happen. Even a moment of zoning out can turn into a dangerous situation, especially at higher speeds or in busy traffic. When you expect the unexpected, you’re far more likely to avoid a crash—and far less likely to file an insurance claim. Read our Auto Insurance Tip #26 post to learn more.

RRules Assume crazy drivers are all around you #25

Assume Crazy Drivers Are All Around You! | Auto Insurance Tips

March 25, 2026

It might sound a little dramatic, but treating every drive like you’re surrounded by unpredictable drivers is actually a smart safety move. Defensive driving means being prepared—not paranoid. It’s about making safe choices based on what might happen, instead of relying on everyone else to do the right thing. The truth is, not everyone on the road is paying attention—or even following the rules. But by driving like you're the only one who is, you’re doing your part to keep yourself and everyone around you safer. Read our Auto Insurance Tip #25 post to learn more.

Slow Down When Driving | Auto Insurance Tips

March 24, 2026

Slowing down while driving gives you more time to react, improves control, and helps keep everyone safer on the road. A calmer pace can also reduce stress, prevent accidents, and help protect your driving record. Read our Auto Insurance Tip #24 post to learn more.

Don’t Tailgate | Auto Insurance Tips

March 23, 2026

Tailgating might seem like a way to nudge a slower driver to speed up, but in reality, it’s one of the most dangerous habits on the road. Following too closely drastically reduces your reaction time, making it much harder to avoid a collision if the car in front suddenly brakes. It not only increases your risk of a crash but can also lead to costly consequences, including damage, injuries, and higher insurance premiums. Keeping a safe distance isn’t just courteous—it’s essential for everyone’s safety. Read our Auto Insurance Tip #23 post to learn more.

Learn How to Merge | Auto Insurance Tips

March 22, 2026

Merging onto a highway can feel intimidating, especially during busy times like rush hour. The speed, the traffic, and the need to make quick decisions can be overwhelming at first. But with the right approach and a bit of practice, it becomes second nature—and plays a key role in keeping everyone on the road safer. Whether you're entering the highway or already cruising in a lane, a little patience, awareness, and cooperation go a long way in creating a smoother, more efficient flow of traffic for everyone. Read our Auto Insurance Tip #22 post to learn more.

RRules Don't multi-task while driving #21

Don’t Multi-task While Driving | Auto Insurance Tips

March 21, 2026

Driving requires your full attention and focus at all times. Many people mistakenly believe they can juggle tasks—like texting, eating, or adjusting the radio—while behind the wheel. However, this kind of multitasking can be extremely dangerous and significantly increases your risk of an accident, as it diverts your attention from the road and impairs your ability to react to sudden changes in your environment. It’s important to remember that even a momentary lapse in focus can have serious consequences. Read our Auto Insurance Tip #21 post to learn more.

Double Check at Intersections | Auto Insurance Tips

March 20, 2026

Intersections are some of the most dangerous places on the road. Whether it’s a stop sign, a traffic light, or an unmarked crossing, failing to double-check before proceeding can lead to serious collisions. Taking an extra moment to look twice—left, right, then left again—can prevent crashes and keep everyone safe. Stay alert and drive with confidence—your safety and your insurance rates depend on it. Read our Auto Insurance Tip #20 post to learn more.

Get Set Before You Go On The Road | Auto Insurance Tips

March 19, 2026

Taking just a minute to set up your car before you start driving can make a big difference in reducing distractions and improving safety. Adjusting your seat, mirrors, climate controls, and media before hitting the road ensures you’re fully focused on the task at hand. By eliminating those distractions, you’re not only protecting yourself and your passengers but also helping to keep everyone else on the road safe. Read our Auto Insurance Tip #19 post to learn more.

Massachusetts RMV Text Scams Are Rising: How to Protect Yourself

March 18, 2026

Scan Your Surroundings When Driving | Auto Insurance Tips

March 18, 2026

Safe driving isn’t just about following traffic laws...it's about being fully aware of everything happening around you. Scanning your surroundings as you drive allows you to anticipate potential hazards, make better decisions, and react quickly to changing conditions. By staying alert and aware, you can spot dangers before they become problems, ultimately reducing the risk of accidents and helping keep the road safer for everyone. Read our Auto Insurance Tip #18 post to learn more.

Operation Under the Influence will Cost You Money

OUI Will Cost You Money | Auto Insurance Tips

March 17, 2026

An OUI (Operating Under the Influence) is more than just a legal issue, it’s a financial disaster. Beyond the fines, legal fees, and potential jail time, the costs can quickly add up, reaching thousands of dollars. Plan ahead, use a rideshare service, or designate a sober driver to ensure you get home safely. A little preparation can save you from hefty costs and, more importantly, help protect lives on the road. Read our Auto Insurance Tip #17 post to learn more.

Buckle up Even on Short Trips | Auto Insurance Tips

March 16, 2026

Accidents don’t wait for long trips to happen. Whether you’re heading across town or just down the street, it’s crucial to always buckle up. This simple habit not only saves lives and prevents serious injuries but can help keep your insurance costs down. No matter the distance, staying safe behind the wheel starts with wearing your seatbelt for every trip. Read our Auto Insurance Tip #16 post to learn more.

Eliminate Blind Spots | Auto Insurance Tips

March 15, 2026

Adjusting your side and rearview mirrors before you start driving, as well as taking steps to eliminate blind spots, is an essential habit for preventing accidents. Small adjustments to your mirrors can make a big difference in your visibility, helping you spot other vehicles, pedestrians, or obstacles you might otherwise miss. By improving your ability to see everything around you, you enhance your reaction time, reduce the likelihood of collisions, and significantly boost overall safety for yourself and others on the road. Read our Auto Insurance Tip #15 post to learn more.

Stay Focused on Driving | Auto Insurance Tips

March 14, 2026

Driving requires your full attention, and it’s easy to get distracted by a variety of things whether it’s checking your phone, adjusting the radio, or even chatting with passengers. However, staying focused on the road is crucial for your safety, the safety of your passengers, and the well-being of everyone around you. Even a momentary lapse in attention can lead to accidents, so making an effort to eliminate distractions and keep your focus sharp can prevent costly and dangerous consequences. Read our Auto Insurance Tip #14 post to learn more.

Buckle up! | Auto Insurance Tips

March 13, 2026

When you buckle up, you’re not just protecting yourself, you’re setting a powerful example for your child that could save their life one day. Children are keen observers and often mimic the behaviors they see, so practicing safe driving habits, like always wearing a seatbelt, teaches them invaluable lessons. By modeling responsible behavior, you’re helping instill these safety habits early, which can stay with them for a lifetime. Read our Auto Insurance Tip #13 post to learn more.

Stand Behind the Guard Rail | Auto Insurance Tips

March 12, 2026

Experiencing a vehicle breakdown on a busy road can be overwhelming, but knowing how to handle the situation can keep you safe. If there’s a guardrail nearby, standing behind it—away from traffic. Putting a barrier between yourself and moving vehicles helps you stay safe while you wait for help to arrive. Read our Auto Insurance Tip #12 post to learn more.

Pull as Far Off the Road as Possible | Auto Insurance Tips

March 11, 2026

A vehicle breakdown can be both stressful and dangerous—especially if it happens on a busy road or highway. In those moments, knowing what to do can make all the difference. Taking the right steps not only helps keep you and your passengers safe, but also reduces the risk of additional accidents or damage. Staying calm, pulling over safely, and making yourself visible to other drivers are all essential actions that can help minimize potential hazards. Read our Auto Insurance Tip #11 post to learn more.

Don’t Text and Drive | Auto Insurance Tips

March 10, 2026

Texting while driving is one of the most dangerous distractions behind the wheel. Even taking your eyes off the road for just a few seconds is enough time to miss a red light, drift into another lane, or cause a collision. The consequences can be devastating—leading to serious injuries, property damage, and costly insurance claims. Staying focused and putting the phone down helps protect everyone on the road—and keeps your insurance rates in check. Read our Auto Insurance Tip #10 post to learn more.

Share the Road | Auto Insurance Tips

March 9, 2026

Auto Insurance Tip #9: Roads are shared spaces—used by drivers, cyclists, motorcyclists, and pedestrians alike. Being patient and staying alert helps ensure everyone gets to their destination safely. Whether it’s giving a cyclist extra space, yielding to a pedestrian, or checking blind spots for motorcycles, small actions can make a big difference. Practicing this kind of awareness not only helps prevent accidents—it also protects your driving record and can help keep your insurance rates low.

Be Patient With Your Teen Driver | Auto Insurance Tips

March 8, 2026

Auto Insurance Tip #8: Teaching a teen to drive can definitely be stressful—but your patience and guidance are key to helping them become a safe, responsible driver. Every calm correction, thoughtful explanation, and encouraging word helps build their confidence and shapes their long-term driving habits. The way you support them now doesn’t just affect their safety on the road—it can also influence their ability to avoid accidents and traffic violations.

Don’t Drive When You’re Tired | Auto Insurance Tips

March 7, 2026

Auto Insurance Tip #7: Fatigue behind the wheel is just as dangerous as driving under the influence. When you're drowsy, your reaction time slows, your judgment becomes impaired, and your ability to focus on the road drops significantly. Unfortunately, crashes caused by drowsy driving often result in costly insurance claims and increased premiums. Making rest a priority before driving helps keep you safe—and protects your driving record and your wallet.

Distracted Driving Takes Many Forms | Auto Insurance Tips

March 6, 2026

Distractions while driving don’t just come from cell phones—things like eating, adjusting the radio, or even chatting with passengers can pull your focus away from the road. These seemingly small actions can lead to big consequences by delaying your reaction time and increasing the risk of a crash. Understanding the different types of distractions—and taking steps to avoid them—can make all the difference in preventing accidents. Read our Auto Insurance Tip #6 post to learn more.

Set an Example for Your Teen Driver | Auto Insurance Tips

March 5, 2026

As a parent, your driving habits serve as a blueprint for how your child will approach the road when it's their turn to drive. Beyond safety, the way you drive also plays a major role in shaping your teen’s future insurance premiums. By setting a positive example today, you’re not only teaching your teen how to be a responsible driver, but also helping them avoid costly insurance consequences down the road. Read our Auto Insurance Tip #5 post to learn more.

Why Not Slow Down a Little? | Auto Insurance Tips

March 4, 2026

It might feel tempting to press the gas pedal a little harder, especially when you’re in a hurry—but speeding comes with serious risks. It reduces your reaction time, increases the severity of crashes, and puts everyone on the road in danger. Slowing down isn’t just about following the law—it’s about making thoughtful choices that protect you, your passengers, and those around you. Read our Auto Insurance Tip #4 post to learn more.

Try Not to Honk Your Horn in Anger | Auto Insurance Tips

March 3, 2026

Honking is meant to be a safety tool, not an outlet for frustration. While it can be helpful for alerting other drivers to potential danger, using your horn out of anger often does more harm than good. It can escalate tension, distract other drivers, and increase the risk of road rage incidents. Staying calm behind the wheel not only promotes a safer, more respectful driving environment—it also helps you avoid unnecessary distractions that could lead to accidents or costly insurance claims. Read our Auto Insurance Tip #3 post to learn more.

Yield for Pedestrians | Auto Insurance Tips

March 2, 2026

Respecting pedestrian right-of-way isn’t just common courtesy—it’s the law and a vital part of safe driving. Whether you're approaching a crosswalk, navigating an intersection, or pulling through a parking lot, yielding to pedestrians is one of the simplest ways to prevent accidents and protect lives. Beyond safety, yielding to pedestrians also helps minimize your legal and financial risk. Read our Auto Insurance Tip #2 post to learn more.

The Defensive Driving Process

February 2, 2026

Shopping for a Safe Vehicle

January 13, 2026

Operating Under the Influence (OUI) Will Cost You Money

January 9, 2026

A New Year, A Fresh Look at Your Protection

January 2, 2026

A new year is the perfect time to review your insurance and personal risk management. Life changes, rising costs, and growing responsibilities can all affect your coverage needs. A quick annual check can help ensure that you and what matters most are properly protected.

How Deductibles Affect Auto Insurance Premiums

December 27, 2025

Don’t Drink and Drive

December 1, 2025

Driving while under the influence is not only dangerous for the impaired driver; passengers, other motorists and pedestrians are put at serious risk, too. That’s why it’s important to avoid getting behind the wheel after drinking too much. One drink can change your night — one decision can change a life. Choose wisely. Don’t drink and drive. Read more about guidance on preventing drinking and driving.

Terrific Thanksgiving and Holiday Travel Tips

November 21, 2025

Holiday travel is one of the busiest times of the year, and a little preparation can make all the difference. From planning your route and preparing your vehicle to staying alert, flying smart, and protecting your home, these simple tips can help you enjoy a safer, smoother trip this Thanksgiving and holiday season.

On the Road Alone: Essential Safety Tips for Long Solo Drives

November 10, 2025

Heading out on a long drive alone can be empowering, but it also calls for a little extra preparation. From planning safe rest stops to staying aware of your surroundings, these essential tips will help you feel confident and secure on every mile of your solo journey.

Road Safety and Wildlife: What Drivers Need to Know

October 1, 2025

Every year, countless accidents occur because drivers aren't prepared for unexpected encounters with animals on the road. Whether it's a deer darting across a rural highway or a stray dog wandering into city traffic, these moments can be dangerous for both humans and animals. Staying alert and understanding how to respond in these situations can make a critical difference in preventing harm and keeping roads safer for everyone.

The Benefits of Raising Your Limits

September 24, 2025

An overwhelming majority of states require individuals to carry insurance in order to operate a vehicle. While meeting these minimum limits may be enough to get you on the road, they may be inadequate if you are involved in a serious accident. For better protection, you may want to consider raising your limits to secure proper protection.

Safe Driving Saves Money on Your Automobile Insurance

July 18, 2025

Buying a Car? Don’t Forget the Insurance Quote First!

July 14, 2025

Risks of Lowering Auto Coverage

June 20, 2025

The Good Student Discount

June 10, 2025

Teens and young adults often face hefty auto insurance premiums because, statistically, new drivers are more likely to get into car accidents. However, most carriers offer a way to help offset some of this financial burden—a good student discount. Learn more about how to qualify.

You only need to update your insurance if you make a major life change | Insurance Myths

June 6, 2025

While major life events are an obvious reason to review your coverage, regularly updating your insurance ensures it continues to meet your needs—even if your life seems steady. Your lifestyle and possessions evolve over time, often in ways that may not feel monumental but can still impact your insurance needs.

My auto insurance policy covers all types of rental cars | Auto Insurance Myths

June 6, 2025

Not all rental situations are covered by standard auto insurance policies. Understanding the specifics of your policy can help you avoid unexpected expenses and ensure you’re fully protected. Here’s what you need to know.

Driving Safely As You Grow Older

June 6, 2025

As you get older and wiser, you might come to the realization that you just can’t do some things quite like you used to. When it comes to driving, it's important to stay safe and feel confident behind the wheel. Learn about smart driving tips for seniors and precautions to ensure your safety and that of those around you on the road.

My personal auto insurance covers both my personal and business use of my car | Auto Insurance Myths

June 4, 2025

The reality is that most personal auto insurance policies exclude coverage for business use. Personal auto insurance policies are designed to cover typical personal activities such as commuting to work, running errands, or taking road trips. Business use, on the other hand, often involves higher risks.

Once I have insurance, I don’t need to review it | Insurance Myths

June 2, 2025

This myth could leave you underinsured or paying for coverage that no longer fits your needs. Regularly reviewing your insurance is essential to ensure your policies remain aligned with your current life circumstances. Here’s why.

If someone driving my car causes an accident, I won’t be held responsible | Auto Insurance Myths

June 2, 2025

In most cases, the insurance policy covering the car is considered the primary coverage, not the driver’s personal insurance. That means if someone else is driving your car and causes an accident, your insurance company will likely be responsible for paying for the damages—even if you weren’t behind the wheel. Learn why it's important to drive smart—and lend smarter.

My car is old, so I don’t need to have higher insurance limits | Auto Insurance Myths

May 23, 2025

Insurance is about balancing risk and protection. While you might save a few dollars by lowering your coverage, the potential costs of being underinsured can be catastrophic. Liability insurance is the foundation of your financial well-being, and ensuring you have adequate limits protects your future, no matter the age of your car.

My auto insurance covers all types of damage | Auto Insurance Myths

May 20, 2025

While auto insurance provides valuable protection, it’s essential to understand what your policy does and doesn’t cover. Taking the time to review your policy and consider additional coverage options can save you from unexpected expenses and give you peace of mind on the road.

Insurance should be bought and used for every accident or disaster | Insurance Myths

May 20, 2025

While it’s tempting to lean on your insurance policy whenever something goes wrong, doing so can have unintended consequences. Insurance is meant to protect you from significant financial setbacks—such as a major accident, storm damage, or liability claim—not to serve as a go-to solution for every minor mishap. What many people don’t realize is that every time you file a claim, it’s recorded in your insurance history. Insurers use this information to evaluate your risk profile, which can impact your premiums as well as overall insurability.

Insurance premiums are set in stone and can’t be changed | Insurance Myths

May 20, 2025

While it might seem obvious that premiums can fluctuate, many people are surprised to learn just how many different factors influence those changes. Yes, your claims history matters—but so do larger economic forces, industry trends, and environmental shifts. Let’s take a closer look at what can influence your premiums and how you might be able to lower them.

A higher deductible will always lower my costs | Insurance Myths

May 20, 2025

When looking at increasing your deductible to lower costs is typically true to some extent, the decision is more nuanced. Opting for a higher deductible can save you money on premiums, but it also means you’ll face higher out-of-pocket costs if you need to file a claim. Let’s break down the factors to consider before deciding on your deductible.

Insurance policies are just a way for companies to make money | Insurance Myths

May 19, 2025

While insurance providers are businesses that aim to make a profit, their primary purpose is to offer protection and financial security to individuals and families. Insurance is fundamentally designed to shield you from significant financial loss. By pooling resources from many policyholders, insurance companies can help individuals recover from unexpected events such as accidents, natural disasters, or other unforeseen circumstances.

Insurance policies are always complicated and hard to understand | Insurance Myths

May 19, 2025

While policies are indeed detailed legal contracts, they don’t have to be intimidating. Insurance agents can help you understand your coverage and make informed decisions. Let’s debunk this myth and show how policies can be approachable with the right resources.

I have Health Insurance, so I don’t need medical coverage for my Car Insurance | Insurance Myths

May 19, 2025

Many health insurance plans come with high deductibles, copays, or limited coverage for certain types of injuries. In the event of a car accident, these gaps could leave you facing significant out-of-pocket expenses. Medical coverage on your car insurance policy helps bridge these gaps, ensuring that accident-related medical costs are taken care of.

All car insurance is the same | Auto Insurance Myths

May 16, 2025

Not all car insurance policies are the same — coverage, limits, deductibles, and added features can vary significantly. While most policies include basic protections like liability, collision, and comprehensive coverage, optional add-ons and claims service differ between insurers. It’s important to review your policy and work with a trusted agent to ensure you have the right coverage for your needs.

I use my car for on-the-job duties—because I’m not self-employed, my Auto Insurance policy covers me | Auto Insurance Myths

May 15, 2025

Many drivers assume their personal auto insurance covers all types of driving, but using your car for work—like making deliveries, visiting job sites, or transporting supplies—can create gaps in coverage. Personal policies are designed for everyday activities such as commuting and running errands, but business use often requires additional protection. Even if you’re not self-employed, your insurer may exclude work-related driving, leaving you at risk in an accident. To avoid costly surprises, review your policy and consider a commercial auto policy or an endorsement if you use your vehicle for business purposes.

I’ve never had a car accident, so I don’t need automobile insurance | Insurance Myths

May 6, 2025

No matter how cautious and skilled a driver you are, accidents can happen. Road conditions, weather, other drivers, or even wildlife can create situations beyond your control. You might never cause an accident, but what about the driver who runs a red light or the unexpected hailstorm? Automobile insurance provides a safety net for the unforeseen.

If I’m not at fault in an accident, my insurance won’t be affected | Insurance Myths

May 6, 2025

Even if you’re not at fault, your insurance might still be affected. Insurance companies assess risk based on your overall claims history, not just who was at fault. Here are some factors that could lead to higher premiums.

Defensive Driving Tips

April 10, 2025

Using proper defensive driving techniques will help keep both you and other drivers safe on the road. With this in mind, be sure to implement the following defensive driving guidance the next time you get behind the wheel.

Auto Insurance in Hudson, MA: What You Need to Know

March 28, 2025

What to Do After a Hit-and-Run

March 27, 2025

Insurance is required to drive a car, so if someone hits me, there is coverage | Insurance Myths

March 27, 2025

If you're in a car accident but aren't responsible, you can't always rely on the other driver's insurance because not everyone carries adequate coverage. Some people drive with no insurance at all, and others may only purchase the minimum required liability coverage, which often isn’t enough to cover all damages in a serious accident. So, it's important to have your own protection in case of an uninsured or underinsured driver.

Avoiding Problems When Buying Used Vehicles

March 6, 2025

While buying a used vehicle will save you money in purchase price and help you avoid depreciation costs, it is important to do your research before you purchase one. To avoid buying a car with hidden problems, consider these purchase precautions.

Common Auto Insurance Terms

February 25, 2025

6 Factors Driving Commercial Auto Losses

February 18, 2025

A variety of trends have contributed to the rise of commercial auto losses. Here is a look at the most significant factors driving commercial auto losses across the country.

Gap Insurance

February 10, 2025

Car owners often assume that if their car is totaled, it will be replaced at the amount they paid, or at least the amount they owe. However, that’s not always the case — learn why and what you can do to protect yourself.

Vehicle Storage Tips During Winter

February 6, 2025

As winter approaches, it’s time to think about safely storing your recreational vehicle to avoid damage from the harsh weather and roads. Utilize the following guidance to properly prepare and store your vehicle this winter.

Quiet Vehicles and Pedestrian Safety

February 3, 2025

Electric cars continue to make headlines, but anyone who’s had such a vehicle sneak up behind them while on foot knows how quiet they are. These vehicles, along with hybrid cars, run much more quietly than gas-powered cars—posing a serious risk to unaware pedestrians.

I only drive my car occasionally, so I don’t need higher limits | Insurance Myths

February 3, 2025

Even if you drive infrequently, the risk of causing an accident when you do drive is no different from that of a daily driver. If you’re involved in an accident, your liability for any injuries or property damage you cause doesn’t decrease just because you drive occasionally, so maintain solid insurance protection limits is crucial.

If another driver causes an accident and I’m hurt, their Auto Insurance pays for my injuries | Insurance Myths

January 24, 2025

While the law requires drivers to carry insurance, not everyone complies. Some people drive without insurance, while others carry only the bare minimum. That minimum coverage might not come close to covering your medical bills, lost wages, or other damages if you’re seriously injured. Thankfully, you don’t have to rely solely on other drivers’ insurance. Your auto policy can include coverage to protect you in these scenarios.

Leave a little more room when driving | It’s friendlier and safer | Auto Insurance Tips

January 18, 2025

Leaving more room between your car and the one in front of you is one of the simplest yet most effective ways to enhance safety on the road. Driving defensively helps avoid accidents, and avoiding accidents is the best way to keep insurance insurance costs down. Read our Auto Insurance Tips post to learn more.

Tips for Driving in Extreme Weather

January 15, 2025

Driving in adverse weather conditions can be downright nerve-wracking. It can also be very dangerous. Being aware of how to modify your driving during heavy rain, snow and fog can help you stay calm and safe during your journey. Consider the following tips when driving in extreme weather.

Does My Insurance Cover Pothole Damage?

January 8, 2025

Although potholes may be unavoidable, vehicular damage doesn’t have to be. Consider the following guidelines for avoiding pothole-related damage.

What do I need to know in case of an auto accident? | Auto FAQ

January 7, 2025

What do you need to know in case of an auto accident? Accidents are stressful, but knowing how to handle the situation calmly and responsibly can help protect your safety, ensure accurate documentation, and safeguard your interests. Read our FAQ post to learn more.

Increase to Accident Surcharge Thresholds Limits Effective July 1, 2015

If my car gets hit and I don’t have collision coverage, can Murphy Insurance help? | Auto FAQ

December 18, 2024

If your car gets hit and you don’t have collision coverage, can Murphy Insurance help? Yes. Many other agents won’t help process the paperwork in a third-party claim unless you have collision coverage, but Murphy Insurance cares about its customers. Read our FAQ post to learn more.

Vehicle Breakdown Safety Basics

November 20, 2024

No one ever plans to experience a vehicle breakdown. That’s why it’s important to plan ahead and be prepared in order to handle such a situation safely. Implement the following guidance to ensure you remain safe and injury-free in the event that you get stuck on the road.

How Insurers Calculate Premiums

November 13, 2024

Depending on the type of policy, an insurance premium must be paid monthly, twice a year or annually. Each policy type will have also have a different premium amount based on the coverage and policyholder. It’s essential to understand how premiums are calculated so you can secure the best deal without sacrificing coverage.

Preventing Drowsy Driving

November 5, 2024

Every year, the National Sleep Foundation organizes Drowsy Driving Prevention Week to raise awareness about the dangers of driving while fatigued.

Defensive Driving to Avoid Deer Collisions

October 5, 2024

With deer mating season in full swing from October through December, drivers face an increased risk of collisions. As deer are more active, especially around dawn and dusk, habitat loss has pushed them closer to roadways. Here’s how defensive driving can help you avoid an accident.

Factors Affecting Your Car Insurance Rate

September 6, 2024

The cost of auto insurance is influenced by a wide range of factors. Together, these variables shape the overall cost of auto insurance. With this in mind, it can be helpful to better understand how the following elements may impact your rates:

6 Types of Auto Insurance Coverage

August 26, 2024

How Distracted Driving and Texting Impact Your Auto Insurance Premiums

July 17, 2024

5 Tips for Adding a Teen to Your Auto Policy

June 21, 2024

Understanding the Risks of Speeding

June 19, 2024

Spring Cleaning for your Insurance

April 26, 2024

As you tackle spring cleaning tasks, consider reviewing your insurance policies for any necessary updates. Ensuring your coverage is current and aligned with your needs offers peace of mind as you welcome the warmer seasons ahead.

Mistakes to Avoid when Applying for Auto Insurance

April 24, 2024

Overlooking errors on your auto insurance application can result in significant consequences. Providing inaccurate information may lead to higher premiums, policy cancellations, or inadequate coverage during accidents.

Distracted Driving Awareness Month: Are You Doing Your Part?

April 1, 2024

Protect Yourself from Underinsured and Uninsured Drivers

March 22, 2024

When purchasing car insurance, it's common to prioritize coverage for personal and property damage as well as liability. However, it's equally important to consider coverage for scenarios where another party is at fault, as their insurance might not adequately cover damages or injuries, leaving you financially vulnerable.

Even Responsible People Get Sued

March 13, 2024

Regardless of your financial status, legal actions can incur substantial defense costs, potentially causing financial strain, irrespective of the lawsuit's outcome. Being sued, even without liability, can lead to significant financial burdens.

10 Questions to Help Assess Changing Insurance Needs

March 6, 2024

Regular insurance reviews are essential as our life circumstances evolve, ensuring our coverage aligns with our needs. Utilize these ten questions during your review to gauge if adjustments or discussions with your insurance professional are necessary.

A Full Insurance Review is Worth Your Time

February 21, 2024

You've purchased insurance for your auto, home, business, life, etc., ensuring comprehensive coverage. With the premiums settled, you might wonder why you should engage with your insurance representative unless there's a specific concern. However, it's wise to annually review your insurance coverage to understand its nuances and potential updates.

Changing “Garaging?” Don’t Delay In Telling Your Agent

January 24, 2024

Understanding Rental Car Insurance

January 16, 2024

When renting a car, understand your existing coverage before considering additional insurance options. Whether from traditional rental companies, car-sharing programs, or peer-to-peer services, knowing your policies can prevent unnecessary expenses while ensuring adequate protection on the road.

Driving in Winter…Be Prepared and Stay Safe

December 27, 2023

Fortify Your Future – A Guide to Updating Your Insurance for the New Year

December 26, 2023

With the new year, lots of us make "new year resolutions". A resolution is defined as "a firm decision to do or not to do something." So, it maybe a new habit such as exercising more, changing eating habits, quitting smoking or changing a routine. Or, it could be checking something off your "bucket list" or taking care of a long put off task or project. Your New Year's resolution should be making sure you are properly insured.

Tips for Disaster-Free Holidays

December 13, 2023

Take measures to safeguard this festive season and its celebrations against the risks of fire, theft, accidents, and other mishaps. Following guidance from the Insurance Information Institute (III), implementing a few straightforward precautions and obtaining appropriate insurance coverage can help mitigate seasonal dangers.

Road Safety Tips for Holiday Travel

November 20, 2023

As Thanksgiving weekend approaches, many embark on journeys, making it one of the busiest travel periods of the year. Whether driving to see loved ones or exploring new destinations, exercising extra caution on the road is paramount during this holiday season. By adhering to safety guidelines not only during Thanksgiving but also year-round, we can all contribute to safer travels for ourselves and fellow road users.

Snow Plowing Liability for Completed Operations

November 15, 2023

For those involved in snow plowing, whether as a primary business or side venture, it's crucial to ensure adequate liability coverage, especially for completed operations, alongside comprehensive auto insurance. Recent amendments to Massachusetts laws in 2010 have heightened liability risks for property owners and snow plow contractors, underscoring the necessity of having appropriate protection measures in place.

Halloween Safety - Part 1: Home Safety Tips

Halloween Safety: Home Safety Tips

October 23, 2023

Halloween rivals Christmas in festive spirit, evident in the elaborate decorations adorning neighborhoods. However, amidst the excitement, it's important to consider insurance implications, especially when inviting guests or driving during the festivities.

What is Gap Insurance?

October 17, 2023

When purchasing or leasing a new vehicle, it immediately depreciates in value once driven off the lot, a factor covered by standard auto insurance policies. With minimal down payments on financed purchases, the loan amount may surpass the vehicle's market worth in the initial years of ownership.

U.S. Auto Insurer Claim Payouts Soar Due to Increasing Inflation

September 28, 2023

Rising inflation has driven personal and commercial auto liability insurance costs billions higher, impacting both policyholders and insurers, according to a recent study. Despite dominating premium earnings, personal auto policies often offer significantly lower coverage limits than commercial policies, highlighting a crucial gap in protection.

Steps to Take When Renewing Your Insurance

September 27, 2023

Even without filing a claim, the rising costs of insurance are surpassing inflation due to various factors such as increased repair and replacement expenses caused by labor and supply chain disruptions. Moreover, the growing frequency and severity of accidents and weather-related disasters contribute to overall rate adjustments. Our team of insurance experts can assist you in securing the appropriate coverage at a competitive rate, ensuring you receive optimal value for your insurance investment.

What’s the Difference Between Auto Policy Cancellation and Non-Renewal?

September 27, 2023

Understanding the distinction between insurance policy cancellation and non-renewal is crucial. Discover the reasons behind potential non-renewal of your insurance policy to ensure clarity and preparedness.

Avoid a Deer vs. Car Collision

September 25, 2023

As urban expansion encroaches on rural habitats, deer-car collisions have surged, totaling over half a million annually, with a substantial number resulting in fatalities. Particularly during the migration and mating season from October to December, deer activity spikes, tripling the risk of auto accidents involving deer, as noted by statistics from the Highway Loss Data Institute (HLDI).

Safe Driving Tips for Teens

September 6, 2023

For new drivers, safe driving isn't just about avoiding accidents—it's about saving lives and money. While advice on safe driving may seem repetitive, statistics underscore the heightened risk new drivers face, emphasizing the importance of maintaining a clean driving record to keep insurance costs affordable.

College Students: What You Should Know about Renters and Auto Insurance

August 28, 2023

As the new school year commences, college students are returning to campus and making new living arrangements, including potentially bringing a car to school. Amidst the preparation, it's crucial not to overlook insurance coverage, as the needs of students may evolve based on various factors, even if they have attended college before.

Back to School – College Student Insurance Coverage Tips

August 9, 2023

Whether you're a college student in a dorm or an apartment dweller, or if your child is away at school, it's crucial to reassess your insurance policy for necessary updates or adjustments. Feel free to address any concerns or questions about your coverage with our Associates to ensure you're adequately protected.

Don’t be Confused about Multi-Policy Discounts

July 31, 2023

Unlocking the potential of multi-policy discounts has never been clearer! Discover how bundling your auto and home/condo/renter policies with one insurer can lead to significant savings while streamlining your coverage needs.

Cohabiters Have Unique Insurance Coverage Issues

July 25, 2023

Cohabitation typically denotes unmarried couples or roommates living together, necessitating suitable coverage for your living arrangement. While this overview outlines key considerations, individual circumstances may vary, so please reach out to us for tailored guidance from our Associates.

Insuring a Leased Car

July 19, 2023

When leasing a car, purchasing your own auto insurance policy remains necessary, as the auto dealer or financing entity typically mandates collision and comprehensive coverage to protect the vehicle.

Auto Insurance for Teen Drivers

July 12, 2023

Welcoming a new driver into your family can be exciting and nerve-wracking for parents. While safety is paramount, navigating the financial implications—like soaring insurance costs and potential liabilities—requires proactive steps to ease the stress and ensure peace of mind.

Prepare an Emergency Roadside Kit: Tips for Safe Driving

June 21, 2023

Having an emergency roadside kit on hand can be a lifesaver in times of vehicular distress. A cell phone stands out as your lifeline for summoning assistance quickly. Paired with items like a first aid kit, flashlight, and essential repair tools, you'll be well-prepared to navigate any unexpected roadside challenges.

Practice Good Driving Habits: Tips for Road Safety

June 14, 2023

In the pursuit of safe driving, whether you're a seasoned driver or just starting, it's crucial to stay mindful of good habits and remain vigilant on the road. Remember to share the road responsibly with vulnerable users like motorcyclists, bicyclists, and pedestrians, prioritize eliminating distractions, and ensure everyone buckles up for every trip.

Protect Your Kids: Tips for Safe Driving

Protect Your Kids: Tips for Safety In and Around Your Car

June 8, 2023

A comprehensive guide to child safety during travel urges caregivers to prioritize proper car seat installation and awareness of potential hazards like heat stroke and blind zones. For essential resources on selecting and inspecting car seats and tips on navigating long journeys with children, consult the NHTSA's invaluable Child Safety Information hub.

Why are Home Insurance Premiums Going Up?

June 1, 2023

We often encounter the question: "Why are home insurance premiums increasing?" Various factors can contribute to individual policy hikes, yet current market dynamics are driving up prices across the insurance sector.

Before You Hit the Road: Tips for Vehicle Maintenance

May 23, 2023

As Memorial Day marks the start of summer, the excitement for family road trips begins. Before embarking on your adventure, ensure your vehicle is road-ready with essential checks like tire pressure, fluid levels, and the condition of belts and hoses.

Motorcycles are Everywhere…Share the Road

May 17, 2023

Motorcycle rider deaths made up 14% of all motor vehicle crash fatalities in 2018, with 4,985 lives lost despite a 5% decrease from the previous year, mainly occurring during the summer months. Motorists can improve safety by understanding motorcyclists' challenges, such as visibility issues, and practicing habits like proper mirror use and signaling when changing lanes.

Car Care Tips

May 11, 2023

In this guest blog post by Tom Ricci from Body and Paint Center of Hudson, readers are provided with essential tips on car care to prevent accidents and extend the life of their vehicles. From regular oil filter changes to tire inflation checks and engine tune-ups, these simple preventive measures not only ensure safer operation but also contribute to better fuel efficiency and environmental sustainability.

Cyclist Protection Tips

May 10, 2023

Cycling amidst traffic exposes you to risks beyond physical injury; financial impacts can also occur in accidents. Ensure you and your loved ones have adequate protection in case of unforeseen incidents.

Does Your Auto Insurance Policy Cover a Rental Car While Traveling?

May 3, 2023

Renting a car comes with insurance complexities, impacted by factors like travel location and rental agreements. While your Massachusetts Auto Policy may offer some coverage, understanding rental terms and potential gaps is crucial before hitting the road.

April is Distracted Driving Awareness Month

April 14, 2023

Distracted driving remains a significant threat on the roads, with distracted driving-related crashes claiming the lives of at least eight individuals daily, according to the National Highway Traffic Safety Administration. As April marks Distracted Driving Awareness Month, take this opportunity to evaluate your driving habits and commit to making responsible choices to ensure the safety of yourself and others on the road.

10 Tips for What to Do at an Accident Scene

April 12, 2023

In the event of an accident, staying calm is essential for managing the situation effectively. Remember to prioritize safety by checking for injuries, calling the police, and exchanging necessary information with the other driver, while also documenting the scene and contacting your insurance provider promptly to initiate the claims process and ensure assistance during this stressful time.

Insurance Checklist for Getting your Motorcycle Back on the Road

April 5, 2023

As spring breathes life back into the roads, motorcycle enthusiasts eagerly prepare to revive their bikes for another season of adventure. Amidst the tune-ups and polish, don't forget to ensure your insurance coverage is up-to-date and tailored to your current needs, safeguarding your excitement with comprehensive protection on and off the road.

In Control Advanced Driver Training Program

January 5, 2023

Enhance your driving skills and save money with the In Control Advanced Driver Training program, offering potential savings of over 10%. This training opportunity provides various avenues for cost reduction, making it a valuable investment for safer driving.

10 Tips for Safe Winter Driving

December 21, 2022

Winter driving requires preparation. Pack emergency supplies, check tire pressure, and ensure your battery is ready. Keep your gas tank half full and stay informed on road conditions. Drive slowly, leave extra space, and avoid sudden moves. If stuck, stay in your vehicle and clear the exhaust pipe to prevent carbon monoxide buildup.

Start Your Engines – MA Low Plate Lottery 2022

July 20, 2022

Are you vying for the coveted low-number license plate in Massachusetts? Now's your chance! With the MA RMV's annual Low Plate Lottery now open for applications, residents have the opportunity to secure one of the 198 available plates, provided they meet the eligibility criteria and abide by the rules outlined by MassDOT.

Mass RMV’s Low Plate Lottery For 2021…Deadline August 27

July 20, 2021

The Massachusetts Low Number License Plate Lottery for 2021 is now open! Similar to last year, this year’s lottery will have a shorter application period and will only accept online submissions. Make sure to apply before the deadline for your chance to win one of these coveted plates.

Hurricane Season to Have ‘Above-Average’ Activity

June 28, 2021

Forecasters predict an above-average 2021 Atlantic hurricane season, with 18 named storms, eight hurricanes, and four major hurricanes expected. Now is the time to review your insurance coverage and prepare your property for potential storm damage—contact Murphy Insurance for guidance.

Massachusetts RMV Extends Designated Wednesday Appointment Hours for Customers 75 Years of Age or Older Through February & March

January 27, 2021

The RMV will continue offering dedicated Wednesday appointment hours for customers 75+ through March 2021, expanding services to include registration and title transactions.

COVID-19 Update Message from Dennis Murphy Regarding RMV Backlog

October 13, 2020

Get the latest update from Dennis F. Murphy III regarding customer assistance and service amid the ongoing COVID-19 pandemic by watching the video on YouTube.

MA RMV: Online Renewals for Standard Driver’s Licenses & ID Cards in 2020

June 10, 2020

The MA RMV has notified customers with licenses and ID cards expiring in March, April, and May that their credentials are extended until September 2020. The letter explains renewal options: renew online now for a Standard License/ID or wait until September for an in-person REAL ID renewal.

Insuring Your Classic Car

June 3, 2020

For owners of classic, custom, collectible, or antique cars, standard auto insurance may not provide adequate protection. Specialized coverage tailored to the unique value and usage of these vehicles is essential to ensure comprehensive protection against damage or loss.

Personal Auto Insurance COVID-19 Premium Return

April 27, 2020

Insurance companies seek DOI approval for auto premium credits/refunds due to reduced usage during COVID-19. Policyholders await carrier details post-approval. Insurers also offer payment flexibility to aid financially strained individuals; assistance is accessible through the insurance company or Murphy Insurance Agency.

Auto Insurance Issues Created by COVID-19 Crisis: Deliveries & Students Home Early

March 31, 2020

COVID-19's impact on daily life raises auto insurance concerns. Delivery work requires policy updates for "business use." College students returning home may need garaging location adjustments or driver re-inclusion. Contact us promptly for necessary policy changes to ensure proper coverage during these uncertain times.

New Massachusetts Hands-Free Cell Phone Driving Law: What You Need to Know

February 1, 2020

To curb distracted driving and enhance safety, the new law, "An Act Requiring the Hands-Free Use of Mobile Telephones While Driving," prohibits handheld cellphone and electronic device use while driving, effective February 23, 2020. It's essential to prepare and adjust habits.

5 Tips for Disaster-Free Festivities

December 20, 2019

As the holiday season approaches, the Insurance Information Institute urges prioritizing family, friends, and festivities while remaining vigilant against potential hazards like fire, theft, accidents, and other mishaps. By following five key safety tips, including fire prevention measures, identity protection, home security strategies, responsible party hosting, and safe driving practices—especially in winter conditions—we can ensure a joyful and secure celebration for all.

Safe Travels on Thanksgiving

November 20, 2019

As Thanksgiving approaches, remember that road safety is paramount during this busy travel period. Take precautions such as checking tire pressure, buckling up, leaving early, obeying speed limits, avoiding distractions, and never driving under the influence to ensure a safe and enjoyable holiday journey.

Deer Collision Risk Peaks in November and December

October 15, 2019

Encountering a deer on the road can evoke the "deer in the headlights" moment, highlighting the abruptness of the situation. With collisions being more prevalent from October to December due to increased deer activity, cautious driving is paramount to avoid accidents.

Motorcycles: Properly Insuring Your Bike

June 3, 2019

Prepare for motorcycle season with comprehensive coverage. Ensure your policy includes protection for custom bike equipment, gear, and injuries, including coverage for bodily injury to guests and yourself by uninsured or underinsured motorists.

Top 10 Most Frequently Stolen Vehicles 2017

March 27, 2019

In 2017, the Honda Civic ranked as the most stolen passenger vehicle, tallying 45,062 thefts across all model years, per the NICB. The majority of these thefts targeted older models lacking modern anti-theft technology.

Understanding Your Insurance Deductibles

October 1, 2018

In the event of a home disaster or car accident, the deductible represents the amount you're responsible for covering and is deducted from your claim payment. Understanding how deductibles function can help avoid unexpected expenses and lead to savings.

5 Tips for Solid Auto Insurance Coverage

August 28, 2018

While car insurance typically covers vehicle damage, the most significant financial risk lies in injuring others without adequate Bodily Injury to Others coverage. Since accidents and their severity are unpredictable, ensuring sufficient coverage is crucial to safeguard against potential liabilities arising from injuries.

Proud to be a MAPFRE agent! MAPFRE Insurance named auto insurance #1 Best Value in MA

July 2, 2018

MAPFRE Insurance was awarded the ValChoice #1 Best Value Award for auto insurance in Massachusetts on May 30, 2018. Scoring 92 out of 100 in ValChoice’s 2016/2017 analysis, MAPFRE stood out for its customer service, claims handling, and overall value. Only one insurer in each state receives this prestigious recognition based on unbiased data from each state’s department of insurance. Murphy Insurance is proud to be an agent for MAPFRE, offering customers access to this top-rated provider known for its outstanding service and value.

MA RMV Closed and No RMV Services For 3 Days Starting March 22 at 7PM

March 16, 2018

From Thursday, March 22, 2018 at 7 p.m. until Monday, March 26, 2018 at 8 a.m., the MA Registry of Motor Vehicles will be closed for a technology upgrade to meet federal security standards. During this period, non-public safety services will be unavailable, and no transactions will be processed.

New MA Real ID & Driver’s License Documentation Requirements Starting March 26, 2018

March 16, 2018

Starting March 26, Massachusetts requires documentation of U.S. Citizenship or lawful presence for any driver’s license, ID, or learner’s permit renewal or issuance. Four documents are necessary to confirm your Social Security Number, Date of Birth, and Residency.

What Affects the Cost of Your Auto Insurance?

February 18, 2018

Our approach to finding you the best auto coverage at the best price involves understanding various detailed factors. From the car you drive to where you live, your driving record, and potential discounts, we ensure you get tailored coverage that suits your needs and budget.

Court Hearing Filing Fee Refunds for Civil Motor Vehicle Infractions

January 18, 2018

A recent federal court decision (Crawford v. Blue et al.) now requires refunds for the $25 court hearing request fee if a driver was found not responsible for all civil motor vehicle infractions on their citation. This applies to citations issued after September 22, 2017. If eligible, recipients should receive their refund within 60 days—provided their current address is on file with the RMV. Learn more about how to ensure you receive your refund.

Thanks and Please Be Safe In the Kitchen & On the Road

November 20, 2017

During this season of gratitude, we extend our heartfelt appreciation to everyone who has contributed to our continued success. We're especially grateful to our customers for entrusting Murphy Insurance Agency with the responsibility of serving you, and we remain dedicated to safeguarding your family, business, and valued possessions.

Equifax Breach – Freezing Your Credit May Impact Your Insurance

October 27, 2017

The ongoing coverage of the substantial Equifax data breach highlights its significance. With over 143 million American consumers potentially affected, if you possess a credit report, you may be among those whose sensitive personal information was compromised.

Uber, Lyft and Other TNC Drivers…New Endorsement Covers Insurance Gap

October 6, 2017

Once you sign into a Transportation Network Company (TNC) app, your personal auto insurance ceases coverage for vehicle damage, property damage, bodily injury, and most other protections. Insurance policies provided by TNCs usually offer only limited coverage from logging into the app until picking up a fare.

Flood Cars: How to Avoid Purchasing a Washed-Up Vehicle

September 28, 2017

Floods, like other natural disasters, can inflict significant damage on properties and vehicles. Unfortunately, flood-damaged vehicles present a tempting opportunity for criminals seeking to defraud unsuspecting consumers.

Insurance for Uber, Lyft and Other TNC Drivers – Close the Gaps

June 20, 2017

Good news for Uber, Lyft, or other Transportation Network Company (TNC) drivers: certain insurance carriers now provide personal auto insurance policy endorsements, addressing coverage gaps. Plymouth Rock Assurance and Mapfre Insurance are among the companies offering these endorsements, bridging the insurance gap for TNC drivers.

All Electronic Tolling on Mass Pike – October 28

October 21, 2016

Effective October 28, 2016, the Massachusetts Turnpike (Route 90) ceased accepting cash for tolls, eliminating toll booths at exits. For those who don't frequently travel on the Turnpike, here's a summary to ensure you stay informed about these changes.

Pokémon Go App Takes Millions of Players to Exciting New Worlds; Insurance Can Help Make Those Worlds (and This One) Safer

July 19, 2016

Pokémon Go quickly gained global popularity, surpassing Twitter's user count in a matter of days, while also causing unintended consequences such as injuries and property damage, most of which are reportedly covered by insurance, according to the Insurance Information Institute (I.I.I.).

MA RMV Announces myRMV Web Feature

July 13, 2016

As part of the Massachusetts RMV’s Summer of Success campaign, the RMV launched myRMV on July 6 at www.massrmv.com. This new online feature provides a user-friendly central page where customers can access their RMV information and complete transactions in one convenient location.

Massachusetts 2016 Low Number License Plate Lottery Applications Now Being Accepted

June 27, 2016

Learn about the Massachusetts Lottery for Low License Plate Numbers, including how to enter online, available plates, and important dates for the 2016 drawing.

Why You Need Uninsured Motorists Coverage

May 19, 2016

When purchasing automobile insurance, being well-informed is essential for making intelligent decisions due to the various factors involved. One critical decision is whether to invest in uninsured motorists (UM) and underinsured motorists (UIM) coverage.

House to Consider Legislation Regulating Transportation Network Companies Ride for Hire

House to Consider Legislation Regulating Transportation Network Companies for Ride-for-Hire

March 10, 2016

The House of Representatives is set to deliberate on legislation proposed by the Financial Services Committee, aimed at regulating Transportation Network Companies (TNCs) such as Uber and Lyft. The proposed legislation establishes a new regulatory division, Ride For Hire, within the Department of Public Utilities, responsible for overseeing TNCs and their drivers, ensuring compliance with insurance requirements and background checks.

Be Aware of Uber and Airbnb Insurance Gaps

February 19, 2016

Earning from services like driving for Uber or renting out your home on Airbnb can be appealing, but standard personal auto and home insurance policies do not provide coverage for these activities, potentially leaving you exposed to significant gaps in coverage in the event of an accident. It's essential to explore specialized insurance options tailored to these ventures to ensure adequate protection for your assets and liabilities.

Managing Insurance Costs…Understanding Deductibles, Frequency and Severity

February 15, 2016

Effectively managing insurance costs extends beyond coverage limits, options, and premiums; it includes evaluating the deductibles you're comfortable paying out of pocket.

MA RMV Announces Grace Period for December 2016 Registration Renewals

December 31, 2015

Are You Covered When You Borrow Someone’s Car?

December 29, 2015

Borrowing or driving a friend's car is common, yet we often overlook coverage considerations. It's important to be aware of exclusions and conditions in auto policies, particularly regarding "regular use" and "business use" coverage issues.

Bump Up that Deductible!

November 5, 2015

Insurance consumers often seek ways to cut costs on personal lines insurance, but not all approaches are prudent. Requests for reductions in dwelling or liability limits on homeowners or auto insurance policies may seem tempting, but they often carry significant risks, particularly in liability situations such as auto accidents or injuries on your property, where substantial losses could occur if a judgment goes against you.

Exercise Care on Freeways

November 5, 2015

Automobile accidents are a leading cause of death in the United States, especially among children and young adults, as reported by the National Highway Traffic Safety Administration. Many of these fatalities occur on freeways and highways, due to the high speeds involved.

Avoid Those Cell Phones While Driving

October 6, 2015

According to the National Highway Traffic Safety Administration (NHTSA), nearly 700,000 drivers in the United States use cell phones or manipulate electronic devices while driving during daylight hours. In 2012, there was a 9 percent increase from the previous year, resulting in an estimated 421,000 injuries in auto accidents involving distracted drivers.

RMV: Skip the Line…Go Online!

October 5, 2015

Hate waiting at the RMV? Before heading to a branch, visit MassRMV.com to see if you’re eligible for an online transaction. From license renewals to registrations, many services are just a click away. Plus, follow @MassRMV on Twitter for updates and enjoy free WiFi at select branches. #SkipTheLine

Reduce Your Exposure to Intersection Auto Accidents

September 25, 2015

Automobile crashes causing injuries and property damage are most prevalent in urban areas, with one study finding that 81 percent of crashes happen in cities. Additionally, approximately 43 percent of auto accidents are linked to intersections, as highlighted by another study.

RMV Introduces Free In-Branch WiFi at Eight Busiest Branches

September 16, 2015

Starting September 2, 2015, RMV customers at eight branch locations across Massachusetts can enjoy free WiFi while completing their transactions. This new service is part of the RMV’s ongoing efforts to enhance customer experience and modernize branch operations. Stay connected while you wait!

MassRMV: FasTrack License Renewal Self-Service Kiosks

August 18, 2015

FasTrack service is available at select MA RMV branches, including Boston’s Haymarket, Worcester, Springfield, and more. This self-service kiosk allows eligible customers to take their own photo, complete transactions quickly, and receive a temporary credential, with the permanent license or ID mailed to their address.

Increase to Accident Surcharge Thresholds Limits Effective July 1, 2015

July 17, 2015

Governor Baker's signing of the Massachusetts 2016 State Budget on July 17, 2015, led to increased minor and major thresholds for surchargeable accidents, offering potential savings for drivers in the state who may be involved in at-fault accidents.

Massachusetts Drivers Be Aware of New "Move Over Law"

Headlight & Windshield Wiper Law No Longer a Surchargeable Offense – July 17, 2015

July 17, 2015

A new law eliminates the surchargeable offense for not using headlights with windshield wipers. Though using headlights and taillights with wipers remains mandatory and enforceable, receiving a ticket won't affect your driving record or insurance premium.

Have You Heard? NH New Hands-Free Electronic Device Law in Effect July 1, 2015

July 1, 2015

Effective July 1, 2015, New Hampshire implemented a law prohibiting the use of hand-held electronic devices while driving, joining other states in similar measures. This law aims to enhance road safety by reducing distractions caused by electronic devices.

Massachusetts Senate Attempts to Increase Accident Surcharge Threshold Limits

June 4, 2015

The Massachusetts Senate has successfully incorporated an amendment into the 2016 State Budget, aiming to raise the Property Damage Threshold for both Minor and Major accidents. The proposed thresholds would increase to $1,001 for Minor Accidents and $5,001 for Major Accidents, potentially benefiting Massachusetts drivers by impacting surcharge points added to driving records, which can influence insurance premiums following at-fault accidents.

New MA Law Requires Use of Headlights Effective April 7, 2015

April 1, 2015

A new law passed, effective April 7, 2015, mandating drivers to activate headlights and taillights alongside windshield wipers. Non-compliance with this regulation constitutes ticketable and surchargeable offenses, potentially leading to increased insurance premiums.

10 Things You Should Know About Insurance

March 25, 2015

There are many things you might not know about your current insurance policies for your home, family, cars, and business. It is important to understand what is and isn't covered.

Coaching Your Teenage Driver

March 13, 2015

Obtaining a driver's license is a significant milestone for teenagers, symbolizing increased freedom and independence alongside added responsibility. While many teens may feel invincible, it's crucial for parents to instill a heightened sense of responsibility, particularly when driving, to ensure safety on the road.

Car Insurance Checklist…Getting the Best Value

March 3, 2015

To secure excellent auto insurance, prioritize value over price. It's crucial to consider the value you receive for your spending when purchasing car insurance, as minimum legal requirements may not offer sufficient protection in the event of a serious accident involving bodily injury or significant property damage.

Snow Removal from Vehicles Laws

February 9, 2015

Neglecting to fully clear snow and ice from your vehicle's roof and windows isn't just risky but could lead to hefty fines and legal consequences. Please take the extra few minutes to make sure your car is properly cleared to protect yourself and others on the road.

Vermont Cell Phone Ban for Drivers Begins October 1, 2014

October 1, 2014

Starting October 1, 2014, cell phone use while driving in Vermont is prohibited, requiring hands-free operation for electronic devices to comply with the law. All drivers must be mindful of these regulations when operating a vehicle in the state.

Gender Related to Type of Car Crash

September 15, 2014

The fear of experiencing a car accident is universal, heightened particularly for parents of teenage drivers as they navigate their child's initial ventures on the road. The specter of a collision looms heavily, casting a shadow over the anticipation of a teen's newfound driving privileges.

Most Stolen Cars in 2013

August 25, 2014

The NICB has published its yearly "Hot Wheels" report detailing the most frequently stolen vehicle make, model, and year in 2013, using theft data provided to the NCIC by law enforcement agencies. Read how to keep your vehicle safe from theft.

DOI Issues Alert on Car-Sharing and Ride-Sharing Services

July 24, 2014

Are you thinking about car-sharing or ride-sharing in Massachusetts? Beware: these options carry insurance risks. Understand your coverage limitations and potential liabilities before joining.

Is Hands-Free Cell Phone Use Safe?

April 25, 2014

Using a hands-free cell phone while driving might seem safe, especially with the rise of dashboard info systems enabling such calls, but it's not necessarily so. Although laws in Massachusetts and other states prohibit texting while driving and cell phone use by drivers under 18, it's legal for adults to use cell phones while driving, yet this doesn't necessarily equate to safety, especially compared to handheld devices.

MA RMV Restores Renewal Reminders by Mail

November 28, 2013

The RMV has resumed its birthday postcard reminder service, notifying drivers if they can renew online or must visit a branch. Supported by advertising, this service helps Massachusetts' 4.75 million licensed drivers stay updated, with 87,000–92,000 postcards sent monthly.

Thank You & Be Safe Over Thanksgiving

November 27, 2013

During this season of gratitude, we express our heartfelt thanks to all who have supported our success, especially our loyal customers. We deeply appreciate your trust in Murphy Insurance Agency as we strive to safeguard you, your loved ones, and your business endeavors.

RMV requires 72 Hour Notice to Cancel Road Test

November 10, 2013

Effective November 13, 2013, the MA RMV requires 72 hours' notice (instead of 24) to cancel or reschedule a road test without paying the fee. This includes weekends and holidays, and cancellations can be made online or via the automated phone system when RMV offices are closed.

When Driving Out of State Carry Proof of Insurance

July 16, 2013

While Massachusetts drivers may not be familiar with the requirement, many other states mandate that drivers carry proof of insurance and have Auto Insurance ID Cards. This difference in state laws can create stressful situations for travelers, highlighting the challenges of navigating inconsistent insurance requirements across state lines.

Drive Safely On Thanksgiving…And Thanks

November 21, 2012

Thanksgiving often involves travel to reunite with family, especially by road, which statistically poses higher risks of accidents and injuries. To ensure everyone's safety, here are some precautions you can take during this holiday season.

Get Your Coverage Updated Well Before a Storm

Insurance Claim Tips For After The Storm

October 29, 2012

After Hurricane Sandy passes, it'll be crucial to assess the damage. To streamline the claims process for property or vehicle damage caused by the storm, consider implementing these helpful tips.

Remembering Irene…Lessons Learned

September 21, 2012

This time last year, the Northeast endured the aftermath of Hurricane Irene and an unexpected October snowstorm wreaking havoc in Massachusetts, resulting in extensive damage including downed trees and prolonged power outages.

Hit-and-Run…It Can Happen To You

January 31, 2012

In a car accident, identifying the other driver isn't always possible, especially in hit-and-run situations which can escalate beyond mere vehicle damage to serious injuries for you or passengers, or even pedestrian accidents. Such uncertainties highlight the importance of being prepared.

5 Tips for Better Value on Your Car Insurance

5 Tips to Maximize Car Insurance Value

December 21, 2011

Maximizing your car insurance coverage while saving money is simpler than you think. By exploring discounts, adjusting deductibles, and understanding your vehicle's value, you can get the best bang for your insurance buck.

Most Stolen Cars in 2010

December 14, 2011

Surprisingly, the list of most stolen cars last year might include some models you wouldn't expect. However, with technological advancements, newer vehicles come equipped with features like kill switches and GPS locators, contributing to declining vehicle theft rates.

Driving Safely at Thanksgiving

November 22, 2011

As Thanksgiving approaches, I cherish the traditions that bring us together and prompt reflection on gratitude, including our valued customers and dedicated team at Murphy Insurance Agency. Yet, amidst the joy of the holiday, it's crucial to address the heightened risks of travel, particularly during one of the busiest and statistically most perilous times on the road.

Don’t Risk a Lot For a Little

October 5, 2011

Severe accidents underscore the unpredictability of life's uncertainties. Murphy Insurance prioritizes your protection, urging our clients to secure comprehensive bodily injury coverage against financial risks. Connect with us today for personalized insurance solutions.

Back-to-School College Student Insurance Issues

August 18, 2011

Heading into back-to-school season, the question arises: Does your homeowners policy cover your child’s belongings at college? It's not always straightforward, as residency status and living arrangements can complicate matters, emphasizing the need for clarity and communication with your insurance agent.

Five Insurance Lessons from ‘The Town’

August 18, 2011

Watching "The Town" might not immediately bring insurance to mind, but amidst the action-packed scenes, there are valuable lessons to learn. From ensuring higher Uninsured and Underinsured limits on your car insurance to the importance of timely life insurance, the movie underscores the need for comprehensive protection in the face of unexpected catastrophes.

Welcome to the Murphy Insurance Blog!

August 17, 2011

Welcome to our blog, where insurance meets real life without the jargon. We aim to simplify insurance topics, offering personal and business coverage insights and guidance. With a dedicated team, we're here to share valuable information and engage with our readers. Stay tuned for updates!

Mobile Phone/Texting while Driving Law Effective September 30, 2010

August 23, 2010

Stay informed about the Massachusetts Safe Driving Law taking effect on September 30, 2010, which introduces new provisions. Familiarize yourself with the updated regulations to ensure compliance with the law.

Massachusetts Drivers Be Aware of New “Move Over Law”

February 4, 2010

Starting March 22, 2009, the Move Over Law aims to safeguard police, firefighters, tow truck drivers, and roadside workers. Drivers must switch to the adjacent lane or reduce speed when approaching a stationary vehicle with flashing lights, ensuring safety on the road.

Previous Next

Click here to submit an inquiry to Murphy Insurance or call us at 800 222 8711