4 Second Rule in Bad Weather | Auto Insurance Tips

April 29, 2026|Auto Insurance Tips|auto insurance, driving tips, personal insurance, road rules

Road Rules Tip #28

When the roads get slick, the rules of the road change just a bit—and one of the most important is the four-second rule. Staying at least four seconds behind the car ahead gives you more time to react when conditions are less than ideal.

Why Four Seconds Matter in Rain, Snow, or Fog

In poor weather, your car needs more time to stop, and it’s harder to see what’s ahead. Keeping a greater following distance helps you:

Avoid skidding into the car in front of you
See brake lights or hazards sooner
React calmly to sudden moves or slowdowns

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

You can use the same trick as the two-second rule: pick a roadside object and start counting when the car ahead passes it. In bad weather, count to four before you reach the same point.

Keeping Your Distance Pays Off

Most rear-end collisions happen because drivers follow too closely—especially in challenging conditions. Giving yourself extra space keeps you safer and can help you avoid:

Fender benders
Insurance claims
Increased premiums after a crash

Good Habits Make a Difference

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.

Space Equals Safety

Next time you’re driving in rain, snow, or fog, take it easy and leave plenty of space. It’s a small adjustment that can make a big difference for your safety—and your insurance.

At Murphy Insurance, we believe smart driving habits go hand in hand with being properly protected. If you ever have questions about coverage or safety, contact us we are here to help.

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Pass the Keys…Call a Ride | Auto Insurance Tips

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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.

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

April 29, 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

April 29, 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.

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4 Second Rule in Bad Weather | Auto Insurance Tips

April 29, 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

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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.

Steering wheel

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RRules Don't chill out while driving #26

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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

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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.

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RRules Don't multi-task while driving #21

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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.

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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.

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

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

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

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A higher deductible will always lower my costs | Insurance Myths

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

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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.

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

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

April 18, 2025

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.

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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.

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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

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.

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

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.

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

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.

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

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.

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

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.

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 Small Business Property and Liability Insurance Claims

April 24, 2019

Small businesses are significantly likely to face property or liability claims, with burglary and theft ranking as the most common, while reputational harm emerges as the costliest. To mitigate risks, business owners can implement preventive measures tailored to each potential claim scenario, ensuring comprehensive protection.

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.

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At Murphy Insurance, we are here to assist you in obtaining the appropriate auto insurance. Choosing the appropriate auto insurance coverage can be overwhelming. Every insurance company has its unique offerings, making it challenging to compare options effectively. That’s where we shine. 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, our goal is to provide you with peace of mind, knowing that you and your loved ones are well-protected.