Auto insurance is a key piece of your insurance portfolio. Thankfully with the help of the expert agents at Vargas and Vargas Insurance Agency, getting the right car insurance for your needs is easy. Call us at 617-298-0655 and ask for a free insurance quote – after you answer a few simple questions you will be on your way to the best auto insurance in Boston!
Once you have a great auto insurance policy, there are a few things that you should know about your coverage and how your lifestyle affects your payments. Here are just a few car insurance facts that you may not be familiar with.
You care about what you pay for auto insurance. This dollar amount is your premium, and how high or low it is will depend on several factors. These include:
- How much you use your car. How many miles do you typically drive? Pricing for a car insurance policy is all about risk, and a car that only drives to run errands occasionally is a lot less likely to get into an accident than a car that makes an hour-long commute five days a week.
- The people that will be driving the car. You will need to let your agent know if anyone else will be driving the car. As you would probably expect, your rates will increase if you are also insuring the car for use by a teenage driver.
- How you want your car fixed if it is damaged. Ask your insurance agent about the difference between the types of coverage offered. Depending on how much of a premium you’re willing to take on, you could choose liability only, full replacement cost, or somewhere in between.
Unfortunately, there is a lot of misinformation floating around about the types of coverage offered by standard Boston auto insurance policies. In an effort to help our clients be as informed as possible, the insurance experts here at Vargas and Vargas Insurance Agency would like to clear up some of the more prevalent auto insurance myths:
- The color of your car is not a factor in the cost of your insurance premium. Many people believe that drivers with red cars are riskier or more likely to be pulled over by the police, but when it comes to your car insurance your provider will treat a silver car the same as red (all else the same).
- You shouldn’t believe people when they say that no matter what happens to your car, your insurance policy will cover you. Insurance policies will only go so far as they are required to go based on your coverage, so it’s important to get more than just the state required minimum coverage if you want to be fully protected. A Vargas and Vargas Insurance agent can make recommendations on how much coverage makes sense for you.
- Have you ever heard that your insurance rates will rise as you get older? In fact, the opposite is often true. Insurance providers know that older drivers are likely to be more cautious behind the wheel and therefore less likely to make a claim. This is why some providers offer a discount for drivers over a certain age. If you are over 50, call Vargas and Vargas Insurance and ask if you qualify for a premium reduction!
When purchasing an auto insurance policy, also make sure to talk to your insurance agent if you use your car for business purposes more than just making a commute to the office. If you do some driving for a rideshare as a side hustle, if you deliver to customers using your personal vehicle, etc. you may need extra insurance coverage or a separate commercial insurance policy in order to be fully covered for both the personal and business aspects of your car use.
Here is one more thing that everyone should know about their Massachusetts auto insurance policy – insurance providers offer tons of discounts that could apply to you! Every provider is slightly different, but you could be earning auto insurance discounts for things like being over a certain age (as mentioned above), having completed a safe driving course (primarily for teenagers and older customers), going without an accident for a specified period of time, belonging to certain organizations (emergency roadside assistance, military, etc.), enrolling in auto-pay, and many more!
Some providers will offer discounts that are more in line with what a certain customer qualifies for, so make sure that you get the most from your insurance policy by using an independent agent to do your policy shopping!
Want to get started on that free auto insurance quote? Protect your vehicle and your loved ones with the help of Vargas and Vargas Insurance Agency by calling 617-298-0655. We are a local independent insurance agency and we take pride in making sure that our Massachusetts clients are fully protected, so call today and get a taste of the customer service that people rave about!
