What Impacts Your Insurance Premium Prices?

Piggy bank on calculator.There are many different factors out there that can affect both residential or commercial policies. Each policy has its own risk factors that individually impact the price of the policy: auto, life, boat, condo, and property insurance to name a few. Today we will be go over three popular insurance policies and what impacts your insurance premium prices with them, so you can better understand the price you are paying. [Read more…]

6 Tips to Avoid Summer Driving Hazards

Summer Time Car TripWe all know that living In New England comes with countless driving hazards in the winter, but did you know there are various summer driving hazards as well? Summer is a time where family and friends go on road trips, spend time together and enjoy the warm weather. Continue reading to learn more about the most common driving hazards to be aware of in the summer. [Read more…]

4 Tips for Summer Car Care

4 Tips for Summer Car Care Time to get that A/C cranking! Summer is here and all the dust, heat, and busy traffic that comes with it can have harmful effects on your vehicle. Understanding how to properly take care of your vehicle in the summer can prevent many issues further down the road. To get you started, here are four helpful tips on summer car care that will keep your vehicle in ideal condition over the summer months. [Read more…]

Adding Teen Drivers to Auto Insurance

adding teen drivers to auto insurance, TJ Woods Insurance Agency, Worcester, MAIt is normal for parents to worry when their teen gets behind the wheel for the first time. What is more frightening are your insurance rates increasing. Fortunately, we have ways for you to keep your teen drivers safe and save money on increased premiums.
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The Relation Between Risk and Insurance

Man pulling a block out of towerAll insurance, from homeowners insurance for your home to health insurance for your body, is about chance. What is most likely to occur, and how often it can occur. The types of general insurance out there cover what they cover because those are the most likely risks that can occur. The frequency and cost to compensate for the risk explains how much you pay on your insurance premiums. By understanding the relation between risk and insurance, you get a better appreciation of insurance and how to reduce its costs. [Read more…]

Driving Safety: Defensive Driving Basics

Cars in Side MirrorMassachusetts is a state with an infamous reputation when it comes to our drivers. Angry honking and aggressive driving are hallmarks of any morning or evening commute. In Worcester, our own Kelly Square has such a reputation you can buy bumper stickers that say “I Survived Kelly Square”. For some, all of this is a point of pride, but for many others it can be a source of anxiety. Regardless if you’re looking to drive more defensively to avoid accidents, tickets, lowering your insurance, as part of driver rehabilitation, or just for the added safety, it’s time to learn the basics. [Read more…]