Derek Witham Insurance Agency, Inc.

05/28/2026

Buyer beware ! Over the last 18 years since Massachusetts has introduced managed competition to Mass Auto Insurance we have all had to navigate ever increasing rates. The too good to be true narrative that our parents taught us seems to be more true than ever. Certain online carriers love to give a provisional rate and giving customers what sounds like a great deal, only after securing signatures and down payments do they actually underwrite the policy. What takes place after that is a nightmare for so many people. A quick google search of these carriers and their bait and switch tactics will tell the whole story. They also change or sell you different coverages unknowingly. For example: Progressive has faced significant multi-million dollar class-action lawsuit settlements in the state an $8 Million Settlement was recently paid. They settled a class-action lawsuit over deceptive website practices, where consumers with health insurance were allegedly tricked into buying policies with $8,000 Personal Injury Protection (PIP) deductibles, leading to improperly denied claims.$8.08 Million Settlement. Resolved another class-action regarding allegedly improper premium and coverage calculation practices on certain policies. My point, sales people don't care about you, they care about commissions. Here at DWIA, INC. we develop relationships and for the past 30+ years we have a lot of families in house with us now, we care far more about the right coverage at the right price for you. America was built on small businesses and we honor and continue that tradition and want to thank each and every one of our customers who we also call friends. Feel free to tell a friend, coworker or neighbor about us.

03/18/2026

Scam Alert: Over the last 2 days a few of our customers have been receiving texts stating they had a parking citation. The link leads you to a very convincing page that appears to be that MASS DOT and or the MASS RMV site with an amount that needs to be paid. Please share this link on your site so everyone is aware that this is a phishing scam and you put yourself at risk if you follow through. The amount is minimal in both cases is was $6.99 and lets be honest there isn't a municipality in the Commonwealth writing tickets for such a small amount. Please warn the elderly as well, and those not on Facebook.

02/23/2026

For the safety of our staff we are closed today Monday February 23rd during the blizzard. We will return tomorrow and anticpate a potentially late start. Please feel free to call us at 781-322-AUTO or 781-324-HOME or email us at [email protected] Please check on the elderly and neighbors in need, make sure the vents to your houses and the houses around you are clear of snow, snowdrifts happen in minutes. If you are feeling energetic, there is a fire hydrant within a 1,000 feet of your house, your local fire fighters would love it if you dug out the hydrant so they don't have to. Let them save that energy for any emergencies. Be safe everyone and there's 25 days til spring.

01/23/2026

Plenty of concerns with the upcoming sub zero weather and impending snowfall predicted. If you have elderly parents or neighbors be sure to check on them often. Put the heat up a bit more than usual, this should be the light fluffy stuff but power outages still can happen. Charge phones, batteries, have candles ready (dont forget matches or a lighter) when snow piles up especially the light stuff, snow drifts can happen. (Think blizzard of 78’ for some of us) make sure you clear all the vents on your foundation and or exterior walls. Carbon Monoxide is the silent killer never use your oven to heat your house. If you have CO2 detectors make sure you have fresh battery back ups if they are plug ins. Never run your vehicle inside your garage, even with the door open. If you are worried about freezing pipes, set them to drip 💧 but be careful those water and sewer costs add up quickly.

12/14/2025

Happy to be part of this great event, wishing everyone a happy and safe holiday seasons

Derek Witham Insurance Agency, Inc. (DWIA) is your trusted local provider of affordable Auto, Home, and Business Insurance solutions serving Malden and Greater Boston, Massachusetts.

07/28/2025

https://www.mass.gov/info-details/junior-operator-violations
We get calls from time to time about what a violation can do to a someone with a license under the Junior Operator law /designation in Massachusetts. I beg anyone reading this to click on the link and learn what a single speeding ticket does to a Junior Operator, this is for drivers under the age of 18 who are newly licensed here in Massachusetts. This isn't a money grab by the police or insurance carriers, this is a safety issue period. In 29 years of business I have seen personally the awful results of youthful operators and inexperience and what can happen when a new driver isn't taking the rules of the road seriously. Please read this and share this with your children and anyone who has a youthful operator in the home.

Learn about the violations and penalties associated with drivers between the age of 16½ and 18.

06/11/2025

Massachusetts introduced a new plate to the mix recently. Celebrating 250 years of independence, so of course as an Independent agent we had to get one. Where does the fee go you may ask? The additional 2 year fee of $40 will be funding history education for students, historic site preservation, tourism efforts, and local celebrations related to the anniversary of America's independence. If you are one of our clients and wish to order a new plate feel free to give us a call, you are free to do so, this is what it's all about right? Freedom and being free from those brits after all.

Derek Witham Insurance Agency, Inc. is an independent insurance agency serving the Malden and Greater Boston, Massachusetts areas providing affordable auto insurance, home insurance, and business Insurance.

06/02/2025

A year ago today there was a vehicle sitting inside the office forcing us to work from home for over 3 months. A lot has changed in the industry this last year, and consumers are being hard hit as well. We are here to help, if your carrier has increased prices on you and you are looking for a new set of eyes on your policy feel free to reach out to us. We have many carriers and programs that may be able to help. Thank you to everyone who helped us get back up and running and for the patience of many as we worked through a very trying time. Accidents like this only give us more perspective as to what we do and the product we are selling. Have a happy and safe summer everyone and give us a call / email or stop by we are here to help.

01/27/2025

This can be a nightmare, it's fully preventable...

If you do end up with a frozen pipe, identify where the main shutoff valve is and cut off the flow of water. Next, you should thaw out the pipes by applying heat to the section of frozen pipe by using a hair dryer or an electric heating pad. As you heat the pipe and the ice inside melts, the faucet....

01/15/2025

It's the most wonderful time of the year...said no insurance agent ever... A few tips that can save you a giant headache. As the agency principal I'm not only a client, but a client who has had to deal with this personally in the last decade or so. Worth the read....

For areas of the country that deal with bitter cold, snow and ice can bring unwelcomed damage to your home. An example of such damage are ice dams which are ridges of ice that form when heat inside your home enters the attic and melts snow on the roof.