new worcester insurance worcester ma

new worcester insurance worcester ma

Immediate & Professional Assistance

If you are seeking timely and professional help in the greater Worcester area, then Island Counseling Center (ICC) is the place to look. ICC provides a wide-range of services to the residents of Worcester County to help with your mental health needs. ICC will give you an appointment which fits your needs within a practical time frame.

ICC’s philosophy centers on early intervention and crisis management to stabilize conditions, avoid crises, and prevent hospitalizations, whenever possible.

Services Provided Include:

  • counseling;
  • medication evaluation and management;
  • educational and support groups;
  • as well as advanced treatments such as Trans-Magnetic Stimulation (TMS)

NeuroStar TMS Therapy is a new treatment cleared by the US Food and Drug Administration (FDA) for patients suffering from depression who have not achieved satisfactory improvement from prior antidepressant treatment.

TMS stands for “transcranial magnetic stimulation.”

The NeuroStar TMS Therapy system is the first and only TMS Therapy® device cleared by the FDA for the treatment of depression.

  • Monday through Thursday from 8:30 am - 6 pm
  • Friday from 8:30 am - 5 pm.

However some nurses start as early as 6:30 am to accommodate our clients' schedules.

108 Grove St (Northworks Building)

Worcester, MA 01605

New patients should complete the following link to request services at Island Counseling Center: Intake Form

ICC is happy to announce implementation of our Patient Portal where patients can access their appointments, list of medications, and send secure messages directly to their provider. If you have not yet signed up, please visit our office so we can activate your account.

ICC has an experienced staff with a minimum of 10 years of expertise providing services to patients with private insurance and federal - and state-funded insurance, with various psychiatric and psychological conditions.

Cheap Car Insurance in Worcester, MA

In the market for auto insurance in Worcester? With AutoInsuranceEZ.com, Anyone can find the lowest insurance rates locally. To obtain several free car insurance quotes offered from some of the major providers today, just provide your local zip code. It couldn’t be easier

Worcester is one of those cities which, while it may not be center-stage in the national consciousness, still has much to offer. For tourists, it is a location of natural beauty and rich history, as well as famous museums and awe-inspiring architecture. Additionally, local residents and businesses can benefit economically from all of the high-technology products and services which are located in Worcester.

  • Here’s a fun (and spooky) fact: Worcester is #60 on the list of “Top 100 cities with oldest houses (pop. 50,000+)”!

Auto Insurance Coverage Requirements in Massachusetts

Driving legally in Worcester requires:

Massachusetts minimum requirements are a little higher than in most other states. For starters, not all areas require Uninsured Motorist coverage. They also don’t usually put such high limits on their Liability coverage, either.

Your typical Massachusetts motorist might be paying as much as $134 each month just for their auto policy alone. But living in Worcester can give you an advantage. If you act fast, you can get rates as low as $75/mo*!

Liberty Mutual Allstate Amica Encompass National Grange Mutual

15 30 45 60 75 90 105 120 135 150 $153 $54 $57 $54 $55

As of right now, the lowest-priced providers in Worcester are Allstate, Encompass, and National Grange Mutual. But remember: a low rate isn’t everything. Do your homework before you switch companies, or else you might end up with a provider whose customer and claims services are lacking.

Auto insurance companies evaluate many factors when calculating insurance quotes, which include gender, geography, occupation, education, and theft protection devices. Additionally, premiums will change from one carrier to another. To verify you’re still getting the most favorable rate, you should compare cheap Worcester auto insurance quotes on the internet.

Major Car Insurance Factors in Worcester

There are many ways in which car insurance rates might be determined for you. But not all of it is out of your control; there are steps you can take so that you can impact what discounts you are eligible to acquire. Listed here are a few of these factors in greater detail:

Where you park your automobile each night will have a major impact on your car insurance rate. Generally, car insurance cost less in rural areas because fewer cars means a reduced likelihood that you will be involved in a wreck with another automobile. The population of Worcester is 182,544 and the typical household income is $45,011.

Liberty Mutual Allstate Amica Encompass National Grange Mutual

15 30 45 60 75 90 105 120 135 150 165 $126 $119 $145 $179 $153 $56 $47 $53 $67 $54 $54 $49 $56 $67 $57 $54 $43 $59 $68 $54 $47 $42 $52 $70 $55

The statistics for serious accidents in Worcester is fairly low, which means your local insurance provider might automatically offer lower rates. If the town you live in is a relatively safe place to drive, insurance companies tend to offer lower rates.

Fatal accident count Vehicles involved in fatal crashes Fatal crashes involving drunk persons Fatalities Persons involved in fatal crashes Pedestrians involved in fatal accidents

5 10 15 9 15 1 9 16 5

Auto theft is a major problem, especially in densely populated urban centers. If your locale and/or vehicle model put you at a greater risk for theft, you could have issues obtaining low-cost car insurance. There were 399 stolen automobiles in 2013 within the city of Worcester. That’s a fairly low number, and it reflects a decline in recent years. But it may still benefit you to consider Comprehensive coverage.

Liberty Mutual Allstate Amica Encompass National Grange Mutual

30 60 90 120 150 180 210 240 270 300 $153 $305 $54 $134 $57 $145 $54 $146 $55 $111

Luckily for Worcester residents with low credit scores, your state is one of three in the country where it is illegal for automotive insurance companies to charge different rates based on credit scores. However, be prepared to pay just a little bit extra; it is likely that your provider will charge everyone a slightly higher rate to offset their financial risk and profit loss.

The older you are, the more experience you will likely have behind the wheel. With this experience comes lower monthly premiums. That’s why teenage drivers are charged so much more – their lack of experience makes them a much riskier investment.

Liberty Mutual Allstate Amica Encompass National Grange Mutual

50 100 150 200 250 300 350 400 450 500 550 $153 $565 $54 $235 $57 $226 $54 $270 $55 $335

If you can afford an expensive, luxury vehicle, make sure you set aside enough money for the expensive automotive insurance that comes with it. Unlike your average sedan, bare minimum coverage isn’t going to be enough to properly insure a luxury vehicle.

Liberty Mutual Allstate Amica Encompass National Grange Mutual

20 40 60 80 100 120 140 160 180 200 220 240 $153 $182 Do Not Sell $258 $54 $60 $125 $60 $57 $69 $120 $95 $54 $97 $187 $130 $55 $82 $101 $82

If you can afford an expensive, luxury vehicle, make sure you set aside enough money for the expensive automotive insurance that comes with it. Unlike your average sedan, bare minimum coverage isn’t going to be enough to properly insure a luxury vehicle.

Liberty Mutual Allstate Amica Encompass National Grange Mutual

30 60 90 120 150 180 210 240 270 300 330 $153 $335 $54 $159 $57 $164 $54 $156 $55 $128

Minor Car Insurance Factors in Worcester

Of All the factors which might raise (or even lower) your monthly insurance bill, the following are sometimes less influential:

Married couples have the option to bundle multiple insurance policies together, least of which are their automotive insurance policies. You can save a bundle by bundling renters or homeowner’s insurance, too. Just make sure your preferred provider offers all of these policy options to their customers.

The truth is that no specific gender is winning the battle of the sexes when it comes to driving. Most providers these days don’t charge different rates for male and female drivers. And those who still do can’t make up their minds on who should be charged more – some providers will charge women more, while others will offer higher quotes to male drivers.

If you live and work in Worcester, you can expect to spend about 19-22 minutes commuting to or from work each way. Approximately 75% of drivers would rather take their own vehicle to work than take public transportation. Still, a good 9% of workers in Worcester prefer to use a carpool.

You’d think that doing your best to limit your mileage each year would yield serious discounts. Unfortunately, you’d be wrong. At best, you can only lower your monthly premium by about 3-4%. Be careful, though, before listing your vehicle as a business vehicle on your policy. Those types of automobiles can cost over 10% more to insure each month than vehicles used for work, school, or pleasure commutes.

If you want to add coverage to your policy but still keep your rates low, talk to your insurer about raising your deductible. Carrying a higher deductible will dramatically lower your rate. The only downside is that, if you do have to file a claim, you will have to pay that deductible before your insurance company will pay the rest.

Nearly 30% of drivers in Worcester have earned their high school diploma. Just under a quarter of the population have yet to complete their high school education. For those of you who are still weighing the pros and cons of a higher education, consider this: recent studies show that the more education you have, the more money you can save on car insurance! You’ll get even bigger discounts than with a nice job or a high salary.

Worcester is home to several universities with stellar reputations, especially in the field of medicine. The UMass Medical Center is a teaching hospital which has won many prestigious grants and awards in recent years. Additionally, Worcester State College has a renowned biomedical sciences program. But if you are looking for a private school, be sure to check out Becker College or the Worcester Polytechnic Institute.

Unfortunately for most insurance companies, a simple search on the internet can uncover many of their trade secrets. But even with the right information, it can still be difficult for you as an individual to figure out your risk profile and get low-cost insurance. Make sure you do your due diligence prior to committing to your next car insurance policy. Read up on Worcester, MA by following this link.

How We Conducted Our Car Insurance Analysis

*We calculated our average rate based on the following metrics: a married, 34 year old male with good credit, a 12-month history of maintaining auto insurance, a clean driving record, who owns his own home. Miles driven annually were based on the national average. The average rate was also calculated based on a financed 2015 Honda Accord with a pre-installed anti-theft device.

10 Mechanic Street

Worcester, MA 01608

Computer Systems Institute’s newest campus in Worcester, MA is conveniently located at the intersection of Main Street and Mechanic Street. The campus is within walking distance to many attractions, including Worcester Common and Worcester Public Library.

Like all CSI campuses, the Worcester campus offers classrooms that comfortably accommodate 20 – 30 students each and are equipped with new computers, high-speed Internet access, LCD projectors, and network printers.

Worcester, named after a city in England, has a long history and is now the second largest city in the New England region after Boston. Interesting sights in the city include Quinsigamond State Park (once a major fishing site used by Native Americans), the American Antiquarian Society (a research library containing over two-thirds of all known reading material printed before 1821), the Higgins Armory Museum (the only museum in the Western Hemisphere devoted exclusively to weapons and armor), and the Worcester Art Museum (containing paintings and sculptures from artists around the world).

Worcester is one of America’s most livable cities and has received the All-American City Award five times! The city has the resources of a metropolis, but the intimacy of a mid-sized community and has attracted many colleges and universities over the years.

Business Career Program and Skill Building Programs in Worcester

Computer Systems Institute offers two education paths at the Worcester campus. Business Career Program focuses on establishing the foundation of skill sets in the American business environment. The courses combine classroom and computer-based learning. The BCP program is designed for students with intermediate English language skills or above.

Skill Building programs focus on job skills for the customer service, and hospitality industries. Students choose which professional area they wish to focus on and then participate in classes and internships related to that field.

For more information about CSI programs on the Worcester campus, please contact an International Admissions Representative.

We accept most major health plans including those listed below. If you do not see your plan on this list, we encourage you to contact our office to confirm our participation.

Blue Cross Blue Shield

  • BCBSMA Commercial Products (Blue Care Elect (PPO/EPO), HMO Blue, Blue NE, Indemnity, Access Blue, Network Blue, PPO Blue, Empire PPO, Preferred Blue PPO, etc)
  • BCBSMA Medicare HMO and PPO
  • BCBSMA Medex “Choice”
  • Empire PPO
  • BCBSMA Managed BLUE for Seniors

Fallon Community Health Plan

  • Fallon Select (QHP Select Plans, Access America PPO, Advantage Plans – City of Worcester, EMC, Hanover, Harrington, Hybrid, etc)
  • Fallon Preferred Care
  • Fallon Tiered Choice
  • Fallon Senior Plan HMO, HMO-POS, & PPO
  • Fallon Senior Plan Medicare Supplement (1 & Core)
  • Fallon Navicare
  • Fallon Companion Care
  • HPHC Most Commercial Products (HMO/POS/PPO, Best Buy, “Passport Connect” – Choice Net , Hospital Prefer, Independence, BMC Tiered HMO, Health Plans Inc, Lahey Health Limited HMO, Lahey Select HMO, Partners, etc)
  • HPHC Maine Choice HMO
  • HPHC Medicare Advantage Stride Product
  • HPHC Medicare Supplement/Enhancement

Health New England

  • HNE Commercial Plans (GIC and Connector Plans)
  • HNE Medicare Supplement Plans

Tufts Health Plan

  • Tufts Commercial Products (HMO/POS/PPO, Select, Advantage, Saver, Carelink/Cigna, Navigator, Choice Copay, Your Choice, 2 Tier, 3 Tier, Lifespan Premier Choice, Freedom Plan – New Plan eff 1/1/16)
  • Tufts Steward Employee Choice EPO/DPO Plans
  • Tufts Medicare Supplement

Unicare GIC Medicare Ex Plan

  • Individual Aetna Medicare Supplement Plan
  • Aetna Supplemental Retiree Plan
  • Aetna Medicare Open Plan

Blue Cross Blue Shield of MA

(ALL OF THESE PLANS REQUIRE INSURANCE REFERRALS)

  • MEDICARE HMO/PPO BLUE
  • Medicare HMO Blue FlexRX (HMO-POS)
  • Medex Choice
  • Medex – Bronze, Core
  • Managed Blue for Seniors
  • CIGNA Medicare Surround (If Participating with Medicare)
  • CIGNA Medicare Expand (If Participating with Medicare)

Fallon Community Health Plan

  • Fallon Senior Plan HMO – Saver, Standard, Plus, or Premier
  • Fallon Senior Plan Preferred
  • Fallon Senior Plan HMO-POS
  • Fallon Senior Plan – Medicare Supplement 1 and Medicare Supplement Core (If Participating with Medicare)
  • Fallon Companion Care (If Participating With Medicare)
  • NaviCare HMO Senior Care Options

Harvard Pilgrim Health Care

  • Harvard Pilgrim Medicare Advantage Plan Stride HMO
  • Harvard Pilgrim Medicare Supplement Plan (If Participating with Medicare)
  • Harvard Pilgrim Enhance Plan (If Participating with Medicare)

Health New England

Tufts Health Plan

  • Tufts Medicare Preferred Supplemental
  • Tufts Health Plan Medicare Complement (TMC)
  • Medicare Complement Plan (MCP)

United Health Care

WE DO NOT ACCEPT ANY MASSHEALTH PLANS

Worcester Massachusetts Car Home Life & Commercial Insurance

At Premier Shield we’re thankful to have you as our auto and home insurance customers! Have a great day with your friends & family!

Find a great auto and home insurance agency in auburn ma call 774-847-7746 today and get your price lower! We shop you around with the top national companies to help you find the best price for home, auto, commercial, and business insurance.

7 Questions To Get Cheap Auto Insurance

Find Massachusetts cheap car insurance call 774-847-7746 today and lower your rates today! Most carriers have raised rates by 7% and it’s definitely a great time to witch your Massachusetts auto insurance.

You may be scratching your heads wondering why auto & home insurance rates will continue to rise into 2017. Consumers have seen price increases in 2016 for both auto and home insurance. Premier Shield Insurance Agency sees this trend continuing in 2017. There are many economic factors that impact insurance rates in Massachusetts.

A recent Boston Globe article stated “Low prices at the pump and an active economy are two factors that tend to put more drivers on the road, leading to more accidents and higher payouts from insurance companies. Those insurance companies are beginning to pass the increased costs onto drivers with rate spikes of up to 8 percent in some cases.”

Lower gas prices are generally positive for consumers but also contribute to an increase driving and accidents. Since 2015 the auto insurance industry has seen significant insurance rate increases due to auto claim severity and frequency.

Why Are Massachusetts Auto Insurance Rates Rising in 2017?

Increased healthcare costs due to motor vehicle accidents are a major factor contributing to higher Massachusetts auto insurance rates. Currently the state ranks #2 nationally for monthly health insurance premiums.

Massachusetts population growth outpaces Northeast and the more people on the road the higher the likelihood of an accident. As of 12/22/2015, the population has increased almost 4 percent since 2010.

Cars cost more on average especially with higher Massachusetts sales tax. The estimated average transaction price of a new car or truck sold in the U.S. in April 2015 was $33,560 — 2.6% higher than in the month a year ago, according to data from auto researcher Kelley Blue Book.

Why Are Massachusetts Home Insurance Rates Rising in 2017?

Replacement costs rise due to inflation and labor cost increases. Most home insurance policies have and inflation guard endorsement which automatically adjusts the replacement cost of your home by 3-4%.

2014 Bad winter losses have continued to contribute to rising Massachusetts home insurance rates since many carriers lost a lot of money during that period. Many homeowners filed claims for ice dams, cracked roofs, and water-logged walls

There are many macro economic trends that are completely out of the hands of the average consumer. Shopping insurance rates in Massachusetts can be a time consuming task. Premier Shield Insurance will help you save time and money. Let the experts at Premier Shield Insurance help you navigate the home & auto insurance markets and help you find the best price and coverage.

Call one of our independent insurance agents today at 774-847-7746 or request a free quote online.

Searching for Drone Insurance in MA, CT & TX? Call 774-847-7746 today and inquire about upcoming “drone insurance plans” available in Massachusetts Connecticut & Texas.

To the military, they are UAVs (Unmanned Aerial Vehicles) or RPAS (Remotely Piloted Aerial Systems). However, they are more commonly known as drones. Drones are used in situations where manned flight is considered too risky or difficult. They provide troops with a 24-hour “eye in the sky”, seven days a week. UAV risks include collisions with aircraft, invasion of privacy, aerial surveillance and data collection. These can all provide financial risks to drone owners and you need to be prepared for the legal risks of operating a drone.

The expected rise in the use of drones or unmanned aerial vehicles (UAVs) for a host of different applications may leave operators exposed to a whole new set of risks, including third-party damage or injury and liability, according to AGCS’s Global Aviation Safety Study. PSI understands these risks and works with you to help mitigate the risks to allow you to fly freely and without fear.

One of the biggest risks, it said, was from radio frequency interference, resulting in loss of control, and, in the worst cases, fatalities.

Drones have provided a great deal of risk to the insurance and regulatory bodies because no one wants to be responsible for the negative outcomes the risks associated that come with insuring drones. Premier Shield Insurance has begun the process of establishing relationships with drone insurance companies to protect you and your family while you fly your drones in Massachusetts, Connecticut, and Texas.

Learn how to affordably insure your drone as you fly your drove without worry of catastrophic risk. We offer “Massachusetts Drone Insurance”, “Connecticut Drone Insurance” & “Texas Drone Insurance” Call 774-847-7746 to inquire about “Drone Insurance Rates” today!

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