Allstate Insurance Agents Locations & Hours Near Fall River, MA -
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By: Pam D.
Viveiros Insurance Agency
Not recommended. Viveiros Insurance has underwritten my car insurance for about 10 years. I was in a minor accident 6 years ago but have not put any claims in with the exception of windshield repair/replacement upon occasion. Ten days before my annual renewal this year, I received a letter from Viveiros saying that they were not going to renew my insurance due to "losses" (supposedly the original letter was sent 45 days before, but curiously, I never received). When I called to inquire to which "losses" they were referring the agent said "It's really a combination of things." Really? Name one. Actually, it turned out they did me a favor. Upon contacting my home owner's insurance agent, they reduced my premium by $1200. Apparently, Viveiros has been using the incorrect territory rate for my car these past 10 years even though my address and town appears on the insurance statement. My nest stop is the BBB and MA Attorney General! Stay clear of this business!
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By: Jeff C.
Viveiros Insurance Agency
It's been ok so far i don't have anything to complain about at this point just how to make my payment online
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By: Krystal D.
Oliveira Insurance Agency
Best insurance co around, always friendly and willing to help you anyway they can I highly recommend this company
By: Dan A.
Viveiros Insurance Agency
We purchased a home and they gave us a quote and we went with them. 3 weeks later we get a bill because they appraised our home 110 thousand more than the appraiser that we used to get the loan and comps in the area. when we called them they basically did nothing and said to bad thats what the insurance company valued your home at. They really need a reality check. They take advantage of the people in Fall River because they speak Portuguese
By: Joseph T.
Ferreira Insurance
Besides the fact that Ferreira's insurance saved me $500 on home and auto. Ferreira's insurance also explained my coverage in detail so I understood what I was getting
By: jonathantq
Viveiros Insurance Agency
I totally agreed with other review. This agency has really bad service. The price is very high, bad customer service ever. They pretend to not understand what you are saying. All is your faults even though they did it. I luckily switched to other insurance company that saving me a lot of money and the new agent helped me a lot. Not recommend you to this company.
By: Caitlin P.
Oliveira Insurance Agency
I love this company! They are always trying to get me the lowest rate. Always there for me when I have a question. I highly recommend you go with them!
Ferreira Insurance
Ferreira insurance made my transition easy as I moved here to Massachusetts and even saved me money.
By: hunniexo0x
Viveiros Insurance Agency
This has to be one of the worst insurance companies I ever had to deal with. I have my car under their insurance for over 3 years and every month it was a hassle, something different changed on my policy, my insurance would go up. I would make a payment on time and still recieve a cancellation notice saying I haven t paid my pill which I did. My insurance would go up for NO reason, I never got into a car accident and have a perfect rating, I wasn t changing cars, I had the same car on that policy for 3 years. They act like they don t understand you when you re talking to them. They don t try to help you out, instead they ll call you wrong and say they never said/sent papers that they indeed did and were in my hands at the time of the phone call. Going down to the office is even worse. I m so glad I switch to Geico, the commerical is right because I did safe a TON of money by switching to Geico. If you need car insurance, Geico is the way to go, they re easy to deal with, they don t keep changing your policy or making your payment higher and higher and they don t send you letters in the mail every month. I never once got a cancellation notice with Geico, why? Because I pay my bills on TIME, or before they are even due! Viveiros is just out there for the money, they don t care about you. My boyfriend has Viveiros insurance for 3 of his cars and they do the same exact thing to him that they did to me. He s switching to Geico as well because we re tired of the games Viveiros plays and the RUDE people that work there.
Tips & Advices
There are many different providers and plan types, so  shopping for life insurance can be complicated. The first step involves understanding the type and amount of life insurance you need. From there, use online tools or contact local insurance agents to get quotes on rates and learn about how to apply.
The cost of a life insurance policy is determined by two things: the guaranteed benefit amount and the individual risk of the policyholder. The latter is more complicated, and includes many  factors, including health, age, and  occupation. As of May 2017, a 30-year-old woman purchasing a 20-year, $250,000 term life policy can expect to pay about $141 per year. For comparison, a 60-year-old woman purchasing the same policy can expect to pay $1,033 per year. Since women have longer life expectancy on average than men, the latter can expect to pay slightly more. The same 20-year, $250,000 term policy will cost a 30-year-old man $156 per year on average.
Certain specialized policies may provide income replacement in the event of disability, disease, or another situation where it may be impossible to work and medical expenses are high. One common alternative is known as an “accidental death and dismemberment” policy. AD&D policies work similarly to term life plans, but will only pay out death benefits when a fatality is caused by an accident, or if the policyholder loses a limb or the ability to see or hear. Death from a heart attack or cancer, for example, is usually not covered by AD&D, but these policies might offer lower premiums than a standard term plan.
Many adults with children choose to buy a term life plan that covers them from the birth of a child until they turn 18, which is often the most cost-effective way to insure against the risk of income loss from unexpected death. While it  is possible to save enough cash or invest to provide even more funds in case of such an emergency, investing is subject to more risk of loss than a life insurance plan, and accumulating enough savings to provide a sizeable safety net can be difficult.
Whole life and universal life plans are each considered a type of “permanent life insurance.” Universal life is often similar in concept to whole life, but offers more flexibility in premium payments and cash withdrawals. For example, you might be able to temporarily pause or reduce premium payments at any time under a universal policy. It’s also often possible to borrow from what you’ve already paid into the plan or against a guaranteed death benefit in the form of a loan.

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