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School Is In Session: Local Northrup Insurance Agency Encourages Drivers to ...

The local Massachusetts insurance specialists, at Northrup Insurance Agency, remind drivers to focus on the road as foot traffic increases this season.

Lynnfield, Massachusetts (PRWEB) October 01, 2011

The fall brings about a marked change in the amount of traffic during peak driving hours. The kids are back in school and everyone is heading to the office after their summer vacations. More people on the road inevitably means more accidents, and thus, more Boston car insurance claims. The team at local Northrup Insurance Agency knows that Massachusetts is notorious for being the home of some of the most aggressive drivers in the country.

Even though one's Lynnfield auto insurance , and coverage across the state, can protect drivers from the high repair costs associated with car accidents, filing claims on an insurance policy will lead to higher premiums for these drivers. Therefore, it's best for motorists to protect themselves, their vehicles and their wallets with safe driving habits. Here are some that Massachusetts residents can utilize this school year: Obey the speed limit. Always use proper turn signals. Don't allow distractions like talking on the phone. It's now illegal for teenage drivers in Massachusetts to use their cell phones while driving and drivers of all ages are prohibited from texting while operating their vehicles. Check blind spots before changing lanes or making a turn.

The experts at Northrup Insurance Agency are all too familiar with the common mistakes that Massachusetts drivers make, which often lead to Boston car insurance claims . It's the simple things like following the rules of the road that can keep local drivers safe from injuries and high insurance premiums, whether they're stuck in traffic on their way to work or trying to find a parking space near Fenway.

About Northrup Insurance Agency: Over the course of nearly 60 years, Northrup has become a trusted name in the Boston area. Co-owners Bernie Starr and Richard Tisei have taken what started out as an agency based solely on real estate and personal insurance lines to the next level as a one-stop shop for everything from home buying to commercial insurance. With access to a variety of policies from nine major carriers, the experts at Northrup are able to find the best possible coverage for their clients and they are dedicated to providing top-notch customer service when it comes to answering questions or helping individuals file claims.

The Best Homeowners Insurance Rates | Cheapest Home Insurance ...

, Read on for some time-tested tips on how to get your coverage as affordably as possible…

Increase Your Deductible

Just like auto insurance, home insurance policies have deductibles, and the same rule of thumb applies–carry the highest deductible you can afford.  The higher your deductible, the more premium credit you can expect to receive from your insurance company.

Your savings could reach 25% by increasing the deductible from $100 to $1000.

Improve Your Home Security

Most insurance companies offer discounts for smoke detectors, burglar alarms, dead bolts, fire extinguishers, and Neighborhood Watch Areas. Homes with a fire and burglar alarm system hooked up to a third-party monitoring company receive higher discounts than homes with local bell alarms.

Consolidate Policies

Insuring two or more vehicles with the same insurance company can save you 10 – 15% on your premiums. If you cover your homeowners insurance and auto insurance together, you can reduce your premiums by another 10 – 15%.

Construction Type

Before buying a home, consider its construction type, such as frame or concrete block and steel (CBS).  A wood frame house typically costs more to insure than one built mostly of concrete.

Verify Distance to Fire Stations and Windstorm Areas

If you live in the country, you’ll probably pay higher rates for your insurance than if you lived in town. Why? It’s because of the longer distance to your local fire station. If you live more than 5 miles from the nearest fire station, and more than 1,000 feet from a fire hydrant, you will most likely pay a higher premium.

Before purchasing your home, you may want to get a quote for both and flood insurance. Insurance companies may not offer you windstorm or flood coverage, depending upon the area in which you live.

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