List Of Car Insurance Companies In Ma

How is sales tax calculated on cars in MA?

Question: How is sales tax calculated for vehicles that are older than 1991 in MA? I am thinking of purchasing a 1989 Ford Mustang. I went to my insurance company and they calculated sales tax at $293.75 which is 6.25% of $4,700. I was shocked and went on the NADA website to check it out for myself. When I go under 1989, it is listed as a classic car. I'm very shocked that the average retail for this car would be $4,700, because the one i'm looking at is only $2,500! So would the tax really be almost $300? Thanks for the help On the MA RMV website it says that sales tax would be the value from the NADA website or purchase price...whichever one is higher. But 1989 is listed on the NADA website as a "classic car" so would the NADA price still be applicable? Also, I know someone who owns a '89 mustang in my city and their excise tax for last year was $30.. meaning that the car was only valued at $300.

Answer: The purchase price x the sales tax rate. The sales tax can vary depending on where you live. (In my area, some cities charge 1-1.5% more than unincorporated ares) 6.25% of $2500= $156.25. Title fee is extra. -------- Sales tax is one thing, Excise tax is another. In my state, thats part of what you pay for your tag. They use an assed value which is usually 10% of their estimate of the cars real value. Some cities call it "use tax" or something else. When I was a dealer, I collected sales tax + title fee. Everything else, was bought & paid for at the courthouse with the tag.

I'm 17 and got into a "major at fault accident" in MA W/I 5 months of my JOL. What is 4 points on my license?

Question: I'm a 17 year old female in Massachusetts signed up with Commerce Insurance. The accident happened on January 12, 2010 and I just got a note from the insurance company that deemed me more than 50% at fault. I got my permit [ironically] on January 12, 2009 and I got my license on August 12, 2009. There were three vehicles involved in the accident. My perspective of what had happened was that the first car was hit by the car in front of me as we were slowing down. This did not allow adequate amount of time for me to slow down since this caused the second car to automatically stop and disrupt the "slowing down process." "My car" hit the second. Since the second was a Toyota Rav4 and mine was a smaller, 2006 95 Saab, my nose dove, and was crushed under the rear of the Toyota. After the accident, the first car stayed hardly 10 minutes before she left without getting out of the car to make sure everyone was alright or to see the damage of her own car; I believe her to be guilty of the accident and not using proper turning signals or stopping adequately. I am listed as an occasional driver, because it is actually my father's car and I had borrowed it to go to school this day [I am allowed to take the cars on Tuesdays for school]. The police report says that I caused the second car [Rav4] to hit the first car, a domino effect - but looking at the damage to the front of the second car, I don't believe that I could have caused the second to hit the first so hard. I got a warning on the day of the accident - I was told that for "right now" I get to keep my license and that I did not have to pay any fines for it. As of "now-now", they are saying I am going to get 4 points on my license. What does this mean? How much is my insurance going to go up? Will I lose my license? Should I appeal the 4 points and explain my side of the story?

Answer: You should count yourself lucky they only gave you some fault instead of 100%. Let me quote you here. "This did not allow adequate amount of time for me to slow down ..." which means you were driving too fast for conditions, and didn't allow yourself adequate room to stop. As to what you should do now, if I were you I'd discuss it with the person best equipped to give you useful information, your own insurance agent. Good luck.

Does my moving/living budget seem realistic. Moving from Sacramento CA to Detroit Mi?

Question: Ok I am moving to Detroit Mi. I lived there for about 2 years but lost my job due to the economy going into the toilet. I had to move back to my hometown (doing the long distance thing with my boyfriend who lives in Detroit) for the last year. I found employment and they are allowing me to transfer back in March 2011. I have never had to live off my own budget before. I have always lived in a house with a family member, room mate, or boyfriend. They just gave a flat fee to pay a month for utilities, rent, food, ext. I want to live on my own before my boyfriend and I live together again. The most I ever had to worry about is the flat fee to live off of, car insurance, car gas, cell phone, clothes, ext. I am going to be working full time and going to college full time (most on the internet but 2 classes on campus). So I have to figure out a budget I can live off of (I make about 1500 a month). I am driving my truck (it gets just over 20 mg high way) so I figure it will cost about $1500 in gas and food with a little extra for emergency. My ma's birthday gift to me is paying for my motel rooms for the trip (so I can sleep in a bed instead of a truck), I was wondering if the budget I have made is realistic. I found a real estate company that sells houses for under $20,000 (only $550 a month which includes yearly fees and taxes) that are move in ready (minus appliances). They don't do credit checks all you need to qualify is to make $1,200 a month and $500 to move in. I figure that I just need about $8,500 (already have $5.000 saved) to have a few month's rent/utilities paid and buy some stuff to set up the house. I am getting most of my furniture for free (between what I am bringing, Craig's List, and some stuff friends are giving me). Now below I worked up a budget to live off of but I am unsure it is realistic. Please review it and tell me if this seems plausible to live off of for the next year (my boyfriend and I decided to wait a year to move back in together and get married). I make about $1500 a month after taxes and the place I am moving into is about 6 miles each way from my work (I work 5 days a week) and only 4 miles from my college (which are the two days I don't work and plan to carpool). I don't know how much gas, electricity, water, trash, ext are a month so I just guesstimated. House Payment- $550 per month Gas/Water/Electricity/Trash- $300 per month Food (Just for myself)- $200 per month Supplies (Like soap, toilet paper, tampons, cleaning stuff, ext)- $75 Car Gas- $150 per month (since I am car pooling to college and maybe to work a few days a week) Car Insurance- $650 every 6 months (so I need to save about $110 a month) If I did the math right is should work out to be $1485 a month. I know it is really a tight budget but as long as I am careful with my money I know I can work it out. I don't need to worry about cable, or a phone (I already prepaid my cell phone for the next 14 months) and I can just go to the school's library to get on the internet. Please if you have advise or think that my budget is unrealistic please leave a comment. If you are just going to be negative or saying things like don't move to Michigan please don't waste your and my time. Thank you in advance

Answer: This is really really really hard to read. No, it's not going to cost $1500 to drive out to MI. Fuel will cost $300-$400. Mom is paying the hotel rooms and you shouldn't be spending more than $10 a day in food. Stay at hotels with free breakfast (Choice hotels, Hampton Inns). There is no way you are going to spend $75/month on "supplies", unless you are buying some very very expensive tampons or you use a bottle of cleaning solution a day. I just bought a 36 pack of double roll toilet paper at Costco for $15. 40 Tampax tampons are $7 at drugstore.com. Generic branded ones at your grocery store will be even cheaper. Trader Joe's sells two bars of soap for like $3. We go through maybe a bar of soap a month, two people. Google "homemade cleaning supplies" and you can use thigns like baking soda, bleach, vinegar, and ammonia to clean just about everything in your house for way less expensive than Windex, Pine Sol, and Mr Clean. You need to check out how much utilties actually are. $300 seems high for a place thats under $600. $200/month for food is kinda high for one person. Buying generics, cutting out meat, and making your own meals should decrease this by half, at least. Instead of buying canned veggies, buy fresh on sale veggies. Instead of buying canned beans, buy dried bulk and rehydrate them yourself. By bulk rice, bulk cereal, and whatever else you can. No prepackaged meals. Shop Farmer's markets, shop local (locally produced items), and even advertise on Craig's List that you would love to buy from someone's private garden. Say something like "Starving college student would love to buy your garden leftovers. Trying to save money. I'd be interested in any produce or eggs you need to get rid of." I'd happily fill a basket with tomatoes or apples or blueberries for you if it meant they aren't going to waste. Finally, hit a Dollar Store the second you get there. It's a great place to get cleaning supplies, soda, and even some foods.