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It's a brand new year!  It's a time to "re-group" and think about our plans, goals and ideas for 2016.   Our newsletter is a great way for us to share some information  that can impact you and your businesses during this coming year.
 
We wish everybody the best of luck with  their "New Years Resolutions" !!!!
 
 Regards, 
Cindy Traverso, Paul MacDonald and Laurie Mancinelli 
Avoid a Financial Disaster after a Natural Disaster
Be aware of growing fraud schemes
We're here to help protect you and your customers, especially after a storm or natural disaster. Unfortunately, disaster affected neighborhoods are often targeted by some unscrupulous people who offer construction, clean-up, or repair "services",  and then defraud victims using tactics such as: 
  • Requiring up-front money, and then never showing up to do the work.
  •  Using cheap materials or doing sub-standard work to increase their profits.
Keep these tips in mind when rebuilding
Never pay a contractor in full or sign a certificate of completion until the work is done and you're satisfied that work is complete and competent
  • Never sign a blank contract or a form with missing or blank information.
  •  Never let a contractor pressure you into hiring their company.
  • Never let a contractor discourage insurance company or agent contact, or interpret coverage.
  • Always get more than one estimate for repairs.
  • Always get contractor credentials before work is agreed upon.  Note the license plates on work vehicles, and check the state license of any contractor before work is authorized.
  • Get the following in writing: cost, work to be done, schedules, guarantees and payment structure.
Always check references, and review all documents, including those to be sent to insurance company.
For more assistance on this matter feel free to  call us at any of our three locations:

MTM Insurance Associates, LLC
(978) 681-5700
Hours: 8:30-5:00 Mon-Thur. 8:30-4:00 Fri.
1320 Osgood Street
North Andover, MA 01845

MTMBrainerd Inc.
(978) 667-9031
 Hours: 8:30-5:00 Mon-Thur. 8:30-4:00 Fri.
1A Andover Road
Billerica, MA 01821

MTM Insurance of Greater Haverhill, Inc.
(978) 372-1229
Hours: 8:30-5:00 Mon-Thur. 8:30-4:00 Fri.
229 So. Main St

Also you can visit us at 
 mtminsure.com 
 
 
MTM  CLIENT SPOTLIGHT


Chip McAllister owner of Sutton St Service, with Paul MacDonald
and Chip's son, Ian McAllister. 


Sutton St. Service of North Andover is this month's MTM featured client. Paul and Chip have been doing business together since 1989.  Ironically after a few years of doing business, they realized they had actually met back in 1977 at Semi-formal in High School. Chip's wife Carol, had stumbled upon a picture of Chip, Carol and Paul sitting together at a table. Many years and laughs later, they continue to enjoy the same loyalty and friendship that began back in 1989. Hats off to Chip, his family and all the staff at Sutton Street service.

 

Tough to remember all the "little things" 
It's a good idea to set up "outlook"or  ical reminders or try an ap like
  alarm reminder or try to do reminder  so you don't forget the following:
  • Drivers license renewals
  • Registration Renewals
  • Annual Emissions Inspection
 The fines involved with missing one of the above mentioned deadlines can increase the cost of your auto insurance so its important to "save the date'"!


For more assistance on this matter click on the link to the  MassDot RMV   
 
 
The Best and Worst Cities For Car Insurance Rates Across Massachusetts 

A recent on-line consumer study by NerdWallet identified the towns and cities in Massachusetts with the highest and lowest auto insurance rates. In addition, to the specifics of the vehicle itself, there are many factors that have an impact on your auto insurance premiums. The town/city where the vehicle is garaged has one of the most significant impacts.

Here are the least expensive cities/towns in Massachusetts to garage a vehicle:
 
1. Nantucket
1. Greenfield
3. Maynard
3. Northborough
3. West Concord
3. Medfield
7. Wellesley
7. Newburyport
7. Franklin
10. Arlington
11. Easthampton
12. Attleboro
13. Barnstable
14. Beverly
15. Waltham
16. North Adams
17. Athol
18. Northampton
19. Palmer
20. Needham

Here are the most expensive cities/towns in Massachusetts to garage a vehicle:

1. Chelsea
2. Swampscott
2. Saugus
4. Randolph
5. Brockton
6. Springfield
7. Lynn
8. Everett
9. Malden
9. Medford
11. Holyoke
12. Lawrence
13. Winthrop
14. New Bedford
15. Worcester
16. Fall River
17. Milton
18. Holbrook
19. Boston
20. Revere
Courtney Leavitt
Scott Leavitt, Branch Manager of MTMBrainerd in Billerica MA, attending daughter Courtney's graduation ceremony.
EMPLOYEE SPOTLIGHT 

Courtney Leavitt, MTM's former receptionist, has just graduated from boot camp and is now in Aviation of navy as an E-3 Airman! She has gone above and beyond and all her hard work and, determination has paid off.

Congratulations Courtney! Your MTM family wishes you all the best. We honor you and thank you for serving our country.


 
Home Improvement Tip    
With the new year here you may be thinking about a remodeling project?  How about remodeling something old into new? Get inspired by clicking on the link below you can view these clever 13 remodeling make overs. If you decide to tackle such a project please share it on our MTM Facebook Page we all want see it and share!
   

  

MTM Locations
ABOUT OUR CUSTOMER SERVICE
 
Our Customer Service Representatives are high skilled insurance professionals who are happy to assist our customers all day long. Please feel free to reach out to them at any time to review your policies and discuss new options that may be available to you


Call any of our locations for assistance

North Andover MA (978) 681-5700

Billerica  MA (978) 667-9031

Bradford MA (978) 372-1229  
or
Reach out to us on our website

 
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Three Convenient Locations

MTM Insurance Associates, LLC 
 Hours: 8:30-5:00 Mon-Thur. 8:30-4:00 Fri.
 1320 Osgood Street
 North Andover, MA 01845
 (978) 681-5700

MTMBrainerd Inc.
Hours: 8:30-5:00 Mon-Thur. 8:30-4:00 Fri.
1A Andover Road
Billerica, MA 01821
(978) 667-9031  

MTM Insurance of Greater Haverhill, Inc.  
Hours: 8:30-5:00 Mon-Thur. 8:30-4:00 Fri.
229 So. Main St
Bradford, MA 01835
(978) 372-1229