Vacations can be expensive, and while we look forward to them and plan for the best, there’s a lot to be said for being prepared for the worst. That’s where travel insurance can help.
While common insurance policies like home, auto and health provide coverage for the unexpected when you are home, they often don’t apply when you travel––especially if you travel outside the country.
There is no such thing as a… Continue reading →
Before you get your motor runnin’ and head out on the highway, do you know if you have the right insurance coverage for your motorcycle? The answer may not be as simple as you think.
Coverage requirements vary by state. At a minimum, Massachusetts requires that you carry:
If you watch any TV these days, it’s likely you’ve seen the commercials: all matter of wildlife, from ducks to geckos, pigeons to Snoopy, trying to sell you insurance from major national brands. They are often good for a chuckle, and lead you to believe that shopping for insurance is fun and simple––a matter of checking a few boxes on an online form. But if you really think about what’s at stake, isn’t it worth spending a little time with… Continue reading →
Celebrating 35 years with the Dowd Agencies
Forbes magazine noted that less than a third of family-owned businesses survive the transition from the first generation to the second, and fewer than 50 percent of those successfully transition to a third generation. We clearly broke this mold: The Dowd Insurance Agencies is a fourth-generation, family-owned, leading insurance provider that has had the honor of serving our clients throughout New England for more than 118 years.
I recently celebrated 35 years with… Continue reading →
7 tips to help you navigate safely
The I-91 construction project is in full swing in downtown Springfield, and road work throughout the rest of the region is picking up now that the weather is warming. With a little patience and advance planning; however, you should be able to reach your destination safely and on time.
Some of these tips may seem obvious, but they serve as important reminders for all of us:
It’s an exciting time when your teenager gets their license. The big question on every parent’s mind, though, is: what does this do to my auto insurance premium?
Statistics show that young operators are at much higher risk to get into fender benders than experienced operators. This results in the cost of your collision coverage going up.
So, what do you do? Since the biggest statistical risk in the eyes of insurance companies is the collision coverage, the best… Continue reading →
Whether you’re on a business trip, vacationing or your car is in the shop, there are many reasons why you may find yourself behind the wheel of a rental. But before you drive away, you should give your insurance agent a call to discuss if you are covered under your current automotive policy.
Typically, your personal automotive insurance should extend to your rental car. Depending on the state in which your policy is issued, a rental vehicle is… Continue reading →
Get it now, be glad you did later
We’ll be the first to admit it: Insurance isn’t particularly riveting. Don’t get us wrong; we happen to find it quite interesting, and heaven knows it’s important. It simply doesn’t spark much excitement. Not in the way something like a robbery, a serious injury or a lawsuit might. Those things are bound to get the blood pumping—especially if they happen to you.
In a world full of excitement, insurance is… Continue reading →
We’ve all heard it before: a brand-new car loses 30% of its value when it’s driven off the lot. That means if your car is totaled or stolen, your insurance company will only pay out what your car is worth at the time of the claim. The purpose of Guaranteed Asset Protection—better known as GAP insurance—is to cover the “gap” between what you owe on your vehicle and what it’s worth at the time of the loss.
While GAP… Continue reading →