Kelleher & Mackey Insurance

Want to find the "best" insurance coverage for you & your family? That takes some work. And that effort comes from a team - YOU & US! You're the consumer signing a contract with an insurance company. You have choices to make about competitive products. When you communicate your changing needs, we can give you information to help you make those choices! CONSUMER – Understand what you’re buying for coverage. Ask questions. We’re here to explain! What is covered? What isn’t covered? CONTRACT - You pay the insurance company in exchange for their promise to compensate you in case of a large, possibly devastating loss. Your policy is a contract explaining the conditions & circumstances under which you’ll be compensated. CHOICES – Your choices should be based on your current circumstances. Those choices need to be reviewed every few years. Getting a clunker or a shiny new luxury car? Moving to a studio apartment or buying a vacation dream house? CHANGES – Your life’s path takes many twists & turns. Your insurance needs to keep up with those “ups and downs”. Starting out - footloose & fancy free? Bringing up a wonderful family? “Down-sizing” your home? COMMUNICATION – Keep us informed about what’s happening in your life. We’ll help keep your insurance up-to-date. Planning an addition or renovation to your home? Is your family changing? New babies or grown kids moving out? Getting a dog?(Yes, this could matter to your insurance company!) COMPETITION – Rates for auto & home insurance are both competitive in Massachusetts. Packaging your auto and home with the same company could save you between $100 and $500! You are in charge of your insurance! Use this site as a resource. We’re here for you!  Personal Auto  Homeowners  Renters  Condominium Owners  Umbrella  Motorcycles  Dwelling Fire Bob Mackey Bob@KelleherAndMackey.com Bob has been active in the insurance industry since 1982. In 1988, he decided to open Kelleher & Mackey Insurance! He is frequently a speaker at First Time Home Buyer Seminars presented by Quincy Community Action Programs, Neighborhood Housing Services and South Shore Housing. In his spare time, you’ll find him biking, kayaking, walking and playing basketball. Jean Mackey Jean@KelleherAndMackey.com Even though her name - Kelleher – got top billing, Jean wasn’t pulled into the day-to-day agency operation until around 1992. Just like Bob, she likes to bike and walk – but for much shorter distances! After working together all day, Jean might be found at the gym or attending a Quincy Environmental Network meeting. Kevin Mackey Kevin@KelleherAndMackey.com MPIUA The Massachusetts Property Insurance Underwriting Association (MPIUA) also known as the Massachusetts FAIR Plan (Fair Access to Insurance Requirements) provides basic property insurance on eligible property for applicants who have been unable to gain insurance through the voluntary market. MPIUA offers policies under the Homeowners, Dwelling Fire and Commercial Property programs as approved by the Massachusetts Division of Insurance. Norfolk & Dedham The Norfolk & Dedham Group® consists of three mutual insurance companies founded in New England as early as 1825. The Group includes Norfolk & Dedham, Dorchester and Fitchburg. Safety Safety Insurance was founded in 1979. Today, Safety is the second largest private passenger automobile carrier and the fourth largest commercial automobile carrier in Massachusetts. Safety has consistently received an "A" rating from A.M. Best. Vermont Mutual The Vermont Mutual Insurance Group® brings together the strength and resources of three unique companies, Vermont Mutual Insurance Company, Northern Security Insurance Company,Inc; and Granite Mutual Insurance Company, to protect your family and business throughout New England and the State of New York. With our comprehensive insurance solutions, your home, automobile, property, inland marine, and personal and commercial insurance interests are protected. We've been making sure of it since 1828. Massachusetts Registry of Motor Vehicles RMV Affidavit of Correction Accident Report RMV Branch Information Sales Tax Exemption Form MVU-24 - Vehicle Transferred as a Gift Sales Tax Exemption Form MVU-26 - Vehicle Transferred Within Family Sales Tax Exemption Form MVU-29 - Vehicle Purchased Outside of Massachusetts Sales Tax Exemption Form MVU-27 - Vehicle Transferred by Intestacy, Will or Otherwise Massachusetts Division of Insurance Massachusetts Division of Insurance (Auto) Ways to Save on Your MA Auto Insurance In Control Crash Prevention Training Massachusetts Division of Insurance (Home) MA Guide to Understanding the Insurance Policy Covering Your Home MA Guide to Insurance for Your Home & Ways to Help Reduce your Insurance Premiums Flood Insurance Facts First Time Homebuyer Workshop - Quincy Community Action Programs First Time Homebuyer Workshop - Neighborhood Housing Services Asian Community Development Corporation Homestead Act NPR Car Talk – useful and fun information on reviews, buying, selling & repairing cars Car Insurance Coverages Car Insurance Discounts LOAN/LEASE COVERAGE (also known as GAP INSURANCE) If you have a loan on your car or you have leased your car, you must have Collision & Comprehensive coverage. If that car is stolen or declared a total, your insurance company will pay the actual cash value of the car. The actual cash value can be a lot lower than what you owe on your loan or lease amount. Your lender or lease company will hold you responsible for paying the difference between the actual cash value and the amount left on the loan or lease. LOAN/LEASE COVERAGE/GAP INSURANCE is offered by most insurance companies. Cost will vary by insurer, but average around $25 - $50 per vehicle. ACCIDENT FORGIVENESS May be offered as part of an additional endorsement - or coverage option - for an additional cost. Costs vary by insurer. The insurance company does not erase the accident from your driving record. Instead, the insurer only agrees to not include an accident in the calculation of future premiums. RENTING A CAR? DO I NEED THE COLLISION DAMAGE WAIVER? Although most collision damage waiver (CDW) or loss damage waiver (LDW) fees are considered outrageous, most consumers should consider purchasing the CDW/LDW for short-term rentals. WHY? Because rental car companies are charging ever-higher fees and penalties for losses and expenses not covered by most auto policies or credit cards. For a more detailed explanation, read this article: Top 10 Reasons to Purchase the Rental Car Damage Waiver ARE YOU THE PARENT OF A PROSPECTIVE TEEN DRIVER? Is your teen talking about getting a driver's license? Is your teen saving to buy a car? We want to make adding a new driver as easy and economical as possible, while still providing protection for your family. Surprise your kid by knowing all about the Junior Operator Law www.mass.gov/rmv/jol/index.htm. By enforcing these rules, you will be allowing him/her to learn to drive without distractions. Is it time to increase your liability coverage? Touch base with us to talk about the cost of higher limits on your car policy. Is it time to consider an Umbrella Policy. This type of policy will plug the liability gaps (over & above your home & auto policies) for about $250 a year. Get a Homestead Act www.state.ma.us/sec/rod/rodhom/homidx.htm. Find out how easy and inexpensive it is to protect your home in case of a lawsuit. Need a gift idea? Purchase a gift certificate for your new driver from In Control Crash Prevention Training www.driveincontrol.com. Contact us to see if they are offering any deals. Anyone who takes this class earns a discount on his insurance. Once your son or daughter gets that license, you have 60 days to tell us. After that, if he/she isn't listed as an operator and is involved in an accident, a claim can be denied. ARE YOU GETTING YOUR DRIVER'S LICENSE SOON? The privilege of driving is costly. Use the following information to convince your parents that you are an incredibly responsible young adult! Take two Driver's Ed Classes. The "regular" one will save you about $250 a year for the first 3 years. The "InControl Crash Prevention Training" www.driveincontrol.com class will save you 5% every year on your car insurance. Which car will you be allowed to drive? The number of cars and drivers in your family has a big impact on your insurance premium. If you are an "occasional operator" on your family's car, the cost to add you is between $1200 and $1500 a year. If you are the "principal operator" of a family car or your own car, the cost to put it on the road with minimum coverage is about $2000 a year. If there is a loan on that car, the cost jumps to over $2500 a year! A car without a car loan is a wise decision for the first three years. As you become more experienced and prove that you are a safe driver, the cost will greatly decrease. Get good grades in school! If you're a high school or college student and your average is better than a B or a GPA of 3.0, you'll earn a discount. We just need a copy of your most recent grades. You've got 60 days to tell us that you received your license. After that, if you are not listed as an operator and you are involved in an accident, the claim can be denied. Just get your license - even if you just can't afford to own or drive your family's car yet. You'll be getting credit toward being a "safe driver" - even if you don't drive. ACCOUNT DISCOUNT If your car policy is written by the same company that writes your homeowners, condo insurance or apartment insurance, you'll save between 8% - 10% on the car policy. ADVANCED DRIVER EDUCATION DISCOUNT Varies by company from 5% to 10% Must complete the class at InControl Crash Prevention Training (link to http://www.driveincontrol.com/) Contact us - sometimes savings on the class are available. InControl offers gift certificates - an excellent idea for your son, daughter, niece, nephew, or grandchild. ANTI-THEFT DISCOUNT Varies by company Varies by type of alarm system 5% to 36% on Part 9 GOOD STUDENT DISCOUNT The amount varies by insurer. Between 5% and 10% on one vehicle. Student must be a listed operator with with less than 6 years driving experience. Must be a full-time high school, college or university student. Must have a "B"/3.0 GPA, or be on the Dean's List, Honor Roll. Copy of the most recent report card must be provided. STUDENT AWAY AT SCHOOL DISCOUNT Some companies offer this discount. The amount varies by company (5% - 10%). Some companies do not allow this discount to be combined with the "Good Student" discount. In this case the higher of the two discounts will apply. The student must qualify: Must be a listed operator with less than 6 years driving experience Must be a full time high school or college student Must attend a school located more than 100 miles away from home Cannot have regular access to the covered vehicle while at school or on weekends. Can use the car on breaks and summer vacation as long as he/she remains enrolled at the school and resides on or near campus during the regular school year. HYBRID DISCOUNT For any hybrid car, you'll receive a 10% discount on Parts 1, 2, 4, 5, 7 & 9. LOW MILEAGE DISCOUNT Varies by company. 5% to 10% savings on Parts 1 - 8 & 12. Calculated on the mileage between last two annual inspections. Contact us after your inspection & we'll check! REWARDS FOR SAFE DRIVING (Merit Rating) Eligible if you have a SDIP of 98 or 99. 10% to 25% discounts. MULTI-CAR DISCOUNT Varies by company. 8% to 10% Two or more cars with the same company. PUBLIC TRANSIT DISCOUNT Varies by company. Must provide proof of purchase of eleven monthly passes/tickets during the 12 month car policy period. RENEWAL CREDIT Varies by company Between 2% to 8% OVER 65 OR OLDER 25% Discount You have choices...We have information...Let's talk Your job: Talk with us! Tell us about your home and your stuff. You'll give us the information we need to evaluate the proper value of your home. Our job: Talk with you! We'll get you the information to help you make these important decisions about your family's protection and security. There are many variables in choosing the company for your home insurance. The company has to want to write your policy. Yourhome has to qualify. Where is it? How old is it? Has the home been updated? When? Is there a wood-burning stove? A swimming pool? A trampoline? A pet? What is homeowner's insurance? Homeowner's insurance is a package of six coverages that deals with the following: Your home - the actual building Other structures - a garage or shed Your personal belongings - your stuff Loss of use of your home - rental of hotel room, emergency trailer in claim situation Personal liability protection Medical payments to others The following two publications do a great job at explaining the basics of home insurance. So, go ahead & click & learn! A Massachusetts Guide to Insurance for Your Home & Ways to Help Reduce Your Insurance Premiums: http://www.mass.gov/ocabr/docs/doi/consumer/homeowners-guide.pdf A Massachusetts Guide to Understanding the Insurance Policy Covering Your Home: http://www.mass.gov/ocabr/docs/doi/consumer/homeowners-policy.pdf Kelleher and Mackey Newsletter November 2011 Kelleher and Mackey Newsletter August 2011 Kelleher and Mackey Newsletter May 2011 We have a policy to always maintain appropriate confidentiality regarding personal information obtained in the course of doing business with you. We only collect personal information about you necessary to conduct the business of insurance. We use the following sources to collect that information: Personal information you share with us, such as the information on your application, requested policy change information, questionnaires or other forms you may complete. Personal information about you from your transactions with us over the time you have been a policy holder with us. Personal information about you from a consumer reporting agency, such as the Registry of Motor Vehicles. Personal information you provide or which is obtained during the process of handling a claim, including medical information, such as from an accident report. We do not disclose any personal information about current or former customers to anyone, except as permitted by law. Contact Us Name * Address City, State, Zip Phone Fax Email * Best Contact Method Email Phone Fax USMail Best Time to Call Questions/Comments   * required   Please be advised that no coverage can be bound nor any changes made to your policy until confirmed in writing by an employee during regular business hours. If you have not heard from us within 24 hrs (excluding weekends & holidays), please let us know as we may not have received your information.