Category: Auto Insurance

14 Jun 2018
Texting While Driving in Massachusetts: Stats and Penalties

Texting While Driving in Massachusetts: Stats and Penalties

MA Driving Laws

Since 2010, texting while driving in Massachusetts has been prohibited. However, motorists behind the wheel continue to pick up and use their phones. Even if we think that checking our texts quickly while driving is harmless, the threat of accident and injury is still very real. Whether you’re driving on Route #16 through Sherborn or the back roads of Dover, it’s important not to drive distracted. To help you understand the risk and penalties that texting and driving hold, read on for statistics.


During the year that the law was enacted, we would expect to see the number of tickets issued to be high as people were just getting used to the new law. We would expect to see that the number of tickets issued would decrease over time. However, this is not the case. In September 2010, the law came into effect. The total number of tickets issued for that year was 274. Since then, the numbers have risen steadily, with 1153 issued in 2011, 3399 in 2013 and 6131 in 2015.

Researchers found that men commit the offense more than women. Additionally, white drivers make up 77.4 percent of the tickets issued. Drivers under 30 also represent the majority of citations. Lastly, most tickets were issued between 3 and 6 p.m.


The penalties are steep for texting and driving in MA, and for a good reason, too. Even just a couple of seconds of distracted driving can result in accident and injury. For the first offense of texting while driving, it is a $100 fine. For the second offense, it is $250, and $500 for the third. What’s more, your auto insurance rates can increase at the next renewal period, costing you even more money over the years.

As if the financial penalties weren’t high enough, consider these statistics from the National Highway Traffic Safety Administration. In 2016 alone, 3,450 people were killed. 391,000 were injured in motor vehicle crashes involving distracted drivers in 2015. During daylight hours, approximately 481,000 drivers are using cell phones while driving. That creates enormous potential for deaths and injuries on U.S. roads. Is a text really worth putting your life and others’ at risk?

Work with a company that’s dedicated to securing the quality auto insurance that you and your vehicle need and deserve. Contact the professionals at CAV Insurance, located in Wellesley, MA.

17 May 2018

How to Prepare Your Boat for Spring

Your Boat Spring Cleaning Checklist

If you’re like other Massachusettsian boaters, you’re likely to be thinking about when you get your boat back out onto the water this season. Now that spring is finally here, it’s time to start preparing your vessel for the first spring waters. Before heading off on your first voyage of the season, you’ll want to ensure your boat is properly de-winterized and that you have reliable boat insurance in Wellesley MA in place. Here are some tips to get your boat ready for spring.


Prepare for the Season Ahead

  • Take a boat safety course and obtain your boating certificate if you have not already.
  • Read your owner’s manual and consult the manufacturer’s recommended maintenance guidelines.
  • Familiarize (or re-familiarize) yourself with your boat, from the features to the safety precautions.


Check Before Cruising

Before you leave the dock, check that everything is in order for a smooth and safe start to the boating season.

  • Inspect all of the safety equipment on board, including flares, fire extinguishers, personal floatation devices, first aid kids, and more.
  • Check all lights on your boat are working properly.
  • Open the engine compartment to check for excess water in the bilge.
  • Check for any electrical issues, such as loose, disconnected, and corroded conductors.
  • Ensure the battery is properly secured to the vessel and that it has plenty of charge left.
  • Clean out the fuel filters and make sure no water is present.
  • Fill your tank with high-quality fuel.
  • Change and check the oil level before starting the boat for the first time.
  • If you will be towing your vessel to its launch point, you will also need to properly inspect and maintain your trailer prior to your first outing.


Perhaps you like sailing on Lake Cochituate, or maybe you venture out to Boston Harbor and around Spectacle Island. Whether you dock your boat on the Charles River, in Salem or on the Cape or anywhere in between, CAV Insurance Agency is the name to know for your Massachusetts boat insurance.


When you head out for a day on the water, the last thing on your mind is having a boating accident. However, accidents to happen. Whether it’s a collision, accidental fuel spill or injury, protect yourself, your watercraft, and your assets with quality boat insurance. We understand the specialized insurance needs of Massachusetts boaters, and we are here to give you the peace of mind so you can enjoy smooth sailing! Contact us today and let CAV Insurance Agency put our decades of boat insurance expertise to work for you!

10 May 2018
Tips for Getting Your Classic Back on the Spring Roads

Tips for Getting Your Classic Back on the Spring Roads

Preparing Your Classic Car for Warm-Weather Cruising


One of the best things about spring is that it’s time to get your classic car back on the road. You might also be planning this summer’s classic car shows, juggling work and family commitments, and hoping to spend a weekend cruising Summer roads in your vehicle. In either case, you’ll probably also be thinking of dragging your classic car out of hibernation and into the summer sun to make sure that nothing has broken, rusted, or otherwise deteriorated. Along with tuning up the car and getting it ready for the summer sun, you’ll also want to review your collector car insurance policy.


To help prepare your vehicle, check out these classic car tips.


  • For starters, if the car has been on a trickle charger all winter, now is the time to disconnect the charger and reconnect the battery. Otherwise, it’s a good idea to just charge the battery for a few days.


  • Check the coolant, oil, transmission fluid or oil and brake fluids to make sure the levels are where they should be. You may find that you need to top up several if not all of the fluids before starting her up.


  • Now is also a good time to check the condition of the belts and hoses.


  • Get the tire gauge out and make sure that all four (and the spare) have correct air pressure readings. Top up the pressure, if needed. While you’re at it, inspect the tires and make sure they are not balding, wearing out, or have any cracks in them.


  • If you can roll the car outside before starting it. If the car has an electric fuel pump, turn the key one notch and let it click away. Not only does this prime the fuel system but it also gives you a chance to look for fuel leaks.


  • Give the car a decent Be sure to use proper car shampoo instead of dish soap as this contains salt, which is not something you want your classic car to be covered it. Make it sparkle from the inside out, taking care to inspect the condition of the vehicle and note any signs of damage.


  • Now that it’s spick and span both inside and out, it’s time to take your prized possession out for its first public appearance of the year. Let the car warm up and go on a short ride to see if the car is running smoothly and be cautious of any odd sounds. If it’s running rough, it’s best to deal with it as soon as possible.


  • Review insurance. Just like any other vehicle, you’ll need to secure auto insurance. Fortunately, the team at CAV Insurance Agency know just how precious your classic car is to you, so we provide adequate coverage that you can rely on.


Whether you are taking the classic on Route #16 thru Sherborn or the back roads of Dover, or heading to Marblehead on Route #128 your vehicle will need adequate protection. Find out how CAV Insurance can help you secure a reliable collector car insurance policy to suit your vehicle and financial needs. For coverage in Wellesley and neighboring cities in Massachusetts, contact us today.

19 Apr 2018

What Essentials to Keep in Your Car

Items to Stock Your Car’s Emergency Kit

The emergency situations that drivers encounter on a daily basis are innumerable: wrecks, traffic jams, flooded roadways, icy conditions, a dead battery, and so on. Whether your commute is just a couple of miles or an hour on the Mass Pike, you never know when a disaster is about to strike. Before you head out on your next journey, take the time to prepare a car emergency kit. Although your auto insurance in Wellesley, MA can help you in unexpected situations, an emergency kit on hand will provide reliable resources for accidents and breakdowns.

Reflective Triangle – Ensure you have a reflective triangle (or a few) in your trunk. These can be put behind your car to alert other drivers that you have stopped on the road.

Map/Sat Nav – It’s wise not to always rely on your smartphone for directions. For longer road trips, it’s incredibly important to have a backup map available in case you get lost.

Jumper Cables – In the event that your car gets a flat battery, having a set of jumper cables is essential. Alternatively, you can pack an emergency battery booster so you don’t have to rely on a Good Samaritan coming along.

Flashlight – Keep a flashlight in your car at all times as you never know when you’ll need it. Aim to keep a fresh set of batteries in your vehicle, too. If you can, choose an LED flashlight as it uses battery power more efficiently.

Water – Keep plenty of drinking water in your vehicle. This will come in handy while you’re broken down and waiting for roadside assistance, or when your vehicle overheats. You can pour a little into your radiator to keep the motor running until you arrive at your destination.

First Aid Kit – Bandages, alcohol pads, medical tape, gauze, and basic medicines can address a variety of emergency situations on the road. You never know when you may encounter another motorist who needs medical attention or suffer a minor injury while changing a tire.

Non-Perishable Snacks – Nuts, granola bars, and dried fruit provide a quick snack in case you are forced to spend your afternoon stuck in your car miles from the nearest exit.

Work with a company that’s dedicated to securing the quality auto insurance that you and your vehicle need and deserve. Contact the professionals at CAV Insurance, located in Wellesley, MA.

22 Mar 2018
What to do After a Car Accident

Steps to Take After a Car Crash

How to Handle the Aftermath of an Auto Accident


It’s not a nice thought, but car accidents happen and it’s important to know what to do if you’re involved in one. If you take the right steps immediately after a crash, you can stop a bad situation from getting worse and ensure your insurance in Wellesley Hills, MA is ready to file a claim. For information about claims, open up our Payments & Claims page in a new tab on your browser. For how to handle the aftermath of a car crash, read on.

Check yourself for injuries. If you’re injured, call 911 or ask someone else to do so. Remember that there doesn’t have to be open wounds to be hurt. Whiplash and more can occur and often needs to be checked out. If you’re seriously injured, try not to move. Wait for emergency personnel.

Check on your passengers. As long as you’re not too hurt to move, check on other passengers in your car. If anyone is injured, call emergency services right away.

Get to safety. If you can, move to the side of the road or a sidewalk. If your car is safe to drive and is causing a hazard to other drivers, pull it to the side of the road.

Call 911. Whether the accident is a minor rear-end collision or a major crash, calling the police is important. The responding officers will find out an accident report and document the scene. If the police can’t make it to the scene of the accident, you can visit the nearest police station and complete a report yourself.

Wait for assistance. Turn off your car’s engine and turn on your hazard lights to indicate to others that you have stopped.

Exchange information. Exchange contact information with the other driver(s) involved in the crash. Take down:

  • Full name and contact details
  • Insurance company and policy number
  • Driver’s license and license plate number
  • Type, color, and model of the vehicle
  • Location of accident
  • Time and date of accident


Document the accident. Gather as much information about the crash as possible – but avoid discussing fault when going over the facts with the other driver. Be sure to identify the officers, get a copy of their report, take pictures of the damage to the vehicles, and talk to witnesses. All of this information will help your insurance company reach a resolution as soon as possible.

Call your insurer. You may decide to call your insurer at the scene of the accident so that they can tell you exactly what information they need in order to process the claim.

An accident can leave you feeling fuzzy about what to do next. Fortunately, these steps will help you get all the information you need while taking safety precautions. While it’s never nice to be involved in a car accident, you should have the peace of mind that your reliable insurance company will work fairly for you. Visit the team at CAV Insurance to get started on securing reliable auto insurance for your needs.

18 Jan 2018
auto insurance in Wellesley Hills, MA

Driving Habits to Avoid This Winter

Safe Driving for Winter Roads

Winter weather can be tough for drivers. Slippery road conditions, poor visibility, and the cooler temperatures can be harder to drive in and put more strain on our vehicles. However, bad driving habits on poor road conditions in winter becomes especially dangerous. To ensure that you have a smooth journey ahead, check out these bad driving habits to avoid.

Bad habit #1: Speeding

The danger of skidding is greatest when you are taken by surprise. Allow extra travel time so that you aren’t rushing to your destination. Be very careful when you brake, change lanes, make turns, and take curves. 

Bad habit #2: Following too closely

When roads are wet or icy, stopping distances can increase dramatically. Following the car in front of you too closely may not give you enough time or distance to stop, causing a rear-end collision.

Bad habit #3: Obstructed windshield, headlights

When conditions make visibility difficult, you are responsible for cleaning ice, snow, mud, and other obstructions from your windshield, headlights, and tail lights. Not only does this help you to see where you’re going but it allows other drivers to clearly see you.

Bad habit #4: Not using chains or snow tires

Your winter supplies should include a set of chains if you are in mountainous areas with the likelihood of snow. If the winter weather is set to continue, consider getting new tires or snow tires that will see you through the worst of the weather.

Bad habit #5: Driving under the influence

Although there is a never a good time of year to drive under the influence of drugs or alcohol, winter driving conditions may increase the likelihood of an accident while driving under the influence. There are serious consequences of doing so, so it’s always best to call a cab instead.

Work with a company that’s dedicated to securing the quality auto insurance that you and your vehicle need and deserve. Contact the professionals at CAV Insurance, located in Wellesley Hills, MA.

14 Dec 2017
auto insurance in Wellesley Hills, MA

How to Prep Your Vehicle for Winter

Is your vehicle ready for winter roads?

Winter is full of excitement and festivities, from picking out the perfect tree to hosting family gatherings. What isn’t so great about the season is the cold, rain, and ice that can wreak havoc on your vehicle. Regardless of the season, it’s important to keep your car in road-ready condition. In winter, it’s absolutely essential.

The good news is that there are a number of things that you can do to ensure your vehicle is ready for unpredictable winter conditions.

Replace worn tires

Your tires are the only point of contact your vehicle has with the road, allowing movement and traction. It’s important that your tires maintain good traction and tread throughout the season. Replacing worn tires can give your vehicle a better chance of sticking to the road in slippery and wet conditions.

Check your windshield wipers

When it drizzles, do your wipes smear the droplets across the windshield? Worse still, do they rarely work? Now is the time to ensure that your wipers are in good condition. They are one of the few things that can improve your visibility when driving, so get them checked out (and replaced, if necessary) before the rain comes in.

Top up your antifreeze

Remember to top up your car with antifreeze, which prevents the liquid in your radiator from freezing when the temperature dips below zero. Trust us, you don’t want to forget this step – otherwise, you may get stuck in the cold with a dead engine.

Test the engine

Make sure that your battery is up for the cold weather challenge by making sure the terminals are clean and tightened. Keep in mind that you should replace the battery every three to four years. If you don’t suspect your battery will survive the season, have a trained technician check it out.

Book your car in for a service

The best way to get your vehicle ready for the winter is to hand it off to the pros. Your local mechanic can top up the fluids, change the oil, inspect the brakes, tires, and battery, and advise on necessary repairs before facing adverse winter weather.

Seasonal breakdowns and costly repairs can put a damper on the season of good cheer. Take the time now to ensure your vehicle is in tip-top condition and consider adding breakdown recovery onto your insurance policy. Visit the team at CAV Insurance to get started on securing reliable auto insurance in Wellesley Hills, MA.

01 Jun 2017
Auto Claims is a National Issue auto insurance premiums

The Spike in Auto Claims is a National Issue

Personal auto insurance rate hikes are not keeping up with losses.

Motorists across the U.S. may (or may not) have noticed that their auto insurance premiums raised slightly last year. Despite the rise in premiums, reports conclude that the increase was still not enough, due to high catastrophe-related losses and unfavorable claims.

Over the last two years, personal auto underwriters faced, and still continue to face, adverse loss trends that drove higher claims costs. They include claims frequency jumps from more miles driven, more distracted driving, higher physical damage losses because of the more complex and sophisticated automobile parts, and higher bodily injury costs from more severe accidents. In short, the technology loaded in cars and more distracted drivers are causing a knock-on effect to insurance industries as well as their health and safety.

This issue is not just happening to individual policies. It’s a national issue echoed by just about every CEO of the large national auto carriers. Believe it or not, but State Farm reported a loss of $7 billion on its auto insurance underwriting in 2016. In 2015, the underwriting loss was $4.4 billion. State Farm is far from alone in seeing detrimental results in its auto insurance line. GEICO, Travelers, Allstate, The Hartford, and other insurers are also looking for ways to counter rising auto costs.

Before you renew your auto policy, talk to your insurer about the increased rate. Instead of seeing an unwelcome surprise as a premium, discuss the ways in which you can save, drive more carefully, and bundle insurance policies to save a few pennies.

Find out how CAV Insurance can help you secure a reliable and affordable auto insurance policy. Our trained experts are ready to help you and answer any and all questions you may have about the rising car insurance rates. For coverage in Wellesley Hills and neighboring cities in Massachusetts, contact us today.

04 May 2017
How to Make Your Teen a Better Driver

How to Make Your Teen a Better Driver

If you want your teen to be as safe as possible when they drive, make sure that you take these tips into consideration. 

Putting your teenager, the child you have been raising since before they could speak, behind the wheel of a car is a very nerve-racking experience. Teenagers are three times more likely to get into a car accident than those aged 20 and older. Luckily for you and parents everywhere, there are a few things that you can do to help prepare them for the road. Before they spread their wings and leave the nest, or house rather, take these tips on how to make your teen a better driver.

Tip I: Drive with them when they acquire their permit. 

A study conducted by University of North Carolina’s Highway Safety Research Center found that there is a sharp decline in accidents for individual teenagers who drove 110 hours with supervised driving before getting their licenses. The risk of accident for rookie drivers is far greater than the veteran driver.

Tip II: No phones when they drive. 

We all know the law: No texting and driving. Irresponsibly, however, we all break the law, even adult drivers. Teens should keep their phones in the center console on silent as to not draw their attention. Children learn by example, so be a role model and do not fiddle with your phone when you are behind the wheel.

Tip III: Limit the passenger count when they drive. 

They will have to learn how to drive with passengers in the car, but when they are still learning, limit that teenage passenger friend to one, and increase it by increments of one once they learn how to tune out distracting teenage ruckus.

Your kids will be independent one day and it’s your job to help them prepare them for the toughness of the adult world. For quality auto insurance that will keep you, your teen, and your car protected from all covered perils, contact CAV Insurance today.