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Monthly Archives: February 2008

Frequently Asked Auto Questions

Consumers have many questions with Managed Competition on auto insurance beginning April 1, 2008 in Massachusetts.  The Massachusetts Trial Court Law Libraries has put together the most frequently asked questions and answers which includes how rate setting works, and what to expect.  If you have questions, this may help give you a better understanding.

Compare Auto Rates

The Massachusetts Division of Insurance has built an information portal for consumers.  Consumers can compare sample premiums for new private passenger automobiles policies sold in Massachusetts.

Bear in mind: The rates are only sample premiums and do not reflect discounts, including renewal discounts, that could apply to you. 

Contact Dowd to see what discounts/credits you may be eligible for.


According to NBC News, about 340 children have died from being left unattended in a vehicle in the last 10 years. Such tragedy does not have to happen; it can be avoided. Here are some suggestions you might want to incorporate into your daily routine if you have small children in your car.

– Put something you’ll need like your cell phone, handbag, lunch, or briefcase on the floor in the back seat.

– Get into the habit of always… Continue reading →

Is Your Home Fully Insured?

If you’re like most Americans, your home is your largest investment, so you know how important it is to protect it. You probably take safety precautions and have insurance that will cover you in case of a loss.

But are you fully protected? Chances are, no. You probably are running the risk of having to pay money out of pocket to rebuild your home after a loss, to replace stolen items or to settle a liability lawsuit.

Consider the following… Continue reading →

Love Your Valentine’s Day Gift? Insure It!

It’s Valentine’s Day, and thoughts of people everywhere turn to … jewelry.

About one of four Americans buys jewelry, spending $2,000 per year on average, and industry experts expect jewelry sales to grow by at least 5% annually through 2025. Those who don’t buy shiny things for Valentine’s Day may prefer other types of valuables, such as electronics, artwork, antiques, wine and furs. All totaled, Valentine’s Day gifts will tally approximately $17 billion of retail sales in 2008.

Whatever the… Continue reading →

Boating Safety

Boating season will be here before you know it.  Learn how to prevent accidents, injuries, and fatalities while boating.  Review safety tips, news, recalls, defects and laws and regulations you should know.  Click here to access the US Coast Guards Official site.

Travel Tips

Taking a trip soon and wondering what is aceptable to pack and what isn’t?  The Transportation Security Adminstration (TSA) provides answers all of your questions on what is permitted and prohibited.  They also offer tips to make your screening experience hassle free.  Just follow their guidelines and have a safe trip!

Purchasing A Personal Umbrella Poicy Is A Wise Decision

One of the most important insurance policies you can buy is the personal umbrella policy, but many people are unaware they need one. This policy provides high limits of liability to protect you against a catastrophic liability loss. For example, a major car accident may injure numerous people or cause head injuries or death that will result in liability far in excess of the limits typically purchased in a personal auto policy. An umbrella policy sits on top of the… Continue reading →