Vargas & Vargas Insurance

1133 Washington St
Dorchester, MA 02124

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Answers to Your Umbrella Insurance Questions!

Everyone knows the purpose of home insurance, business insurance, and car insurance. But do you know what umbrella insurance does? It’s one of the most mysterious insurance policies out there, but it is also a policy that gives you a fantastic amount of coverage for a very low price. Read more about umbrella insurance here:

What is Umbrella Insurance?

In short, umbrella insurance is coverage above and beyond your other insurance policies. For example, if you cause a car accident that results in property damage, injuries, and lost wages for the other party, your auto insurance policy will cover up to a certain amount of the damages. If the damages are more than the liability coverage limit on your insurance, you would be on the hook for the rest – unless you had umbrella insurance! The same umbrella insurance would also cover your home insurance and more.

Who needs Umbrella Insurance Coverage?

No one expects to need coverage above and beyond their home and auto insurance limits, but sometimes life has other plans. Most people could benefit from a Massachusetts umbrella insurance, especially those who own property, own a business, own a trampoline or dog, have significant savings or investments, or engage in activities that increase chances of a lawsuit.

How much Umbrella Insurance should I get?

Every person has different needs when it comes to their insurance. To find out how much umbrella insurance you should carry, talk to your local independent insurance agent. They will be able to identify your risks and recommend a policy based on your unique situation. For more information about Boston umbrella insurance, call the Vargas and Vargas Insurance team at 617-298-0655.

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Auto Insurance Changes for Interstate Moves

Some people can go their whole lives without ever moving from one state to another. If you aren’t one of those people, though, you will need to figure out the intricacies of an inter-state move. Whether you are moving to or from our great state of Massachusetts, here are three things for you to consider when it comes to your auto insurance policy:

Minimum Coverage

If you’re moving to Massachusetts, you need to make sure that your auto insurance meets the state required minimums (which are outlined here). If you are moving out of Massachusetts, you should realize that the minimum amount of coverage that you are required to purchase may increase or decrease, depending on your destination.

Personal Injury Protection

In Massachusetts, drivers are required to carry PIP – Personal Injury Protection – as a part of their auto insurance. PIP covers medical expenses and lost wages if you are involved in an accident. Ask your new insurance agent how much PIP they recommend, especially if you are moving out of state.

No-Fault State

Did you know that Massachusetts is a “No Fault” state? There are only about a dozen states that are “No Fault” – this means that drivers and passengers recover damages from their own insurance provider, regardless of who was at fault. If you are moving, read up on how this coverage will change your claims.

And remember – you must maintain auto insurance at all times, so never cancel your old policy before you have set up something new. If you have any questions about switching your automobile insurance, home insurance or business insurance over for your big move, don’t hesitate to call Vargas & Vargas Insurance 617-298-0655!

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Driving Tips for Winter Months

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Like it or not, it’s just going to get colder from here. We know that many of our customers are seasoned New Englanders who have driven in the snow and cold year after year, but it’s never a bad idea to brush up on safety! When you have to hit the road this winter, make sure that you keep yourself (and your passengers) safe by following these suggestions:

  • Never allow your car to warm up or run in an enclosed space, like a closed garage.
  • Ensure that your tires are properly inflated according to your manufacturer’s instruction.
  • Make sure that your gas tank is always more than half full in case of an emergency.
  • If your car gets buried in snow, take the time to clear it off completely before driving.
  • Never use hot water to de-ice your windshield.
  • Never use cruise control when driving on a slick surface.
  • When roads are snowy, accelerate and decelerate slowly to maintain traction.
  • Increase your follow distance when the roads are slippery.
  • If conditions get bad, don’t drive unless absolutely necessary.
  • Make sure that your car’s emergency kit is fully stocked at all times.

For more winter survival tips, stay tuned to our blog! And remember, it only takes a few minutes to get an auto insurance quote from your favorite local insurance agency! Your agent can ensure that you are getting all of the discounts for which you qualify, as well as ensuring that you have all of the coverage that you and your vehicle require.

Hopefully, this will help you If you fins yourself in a bad situation, or if you would like to speak with a Massachusetts insurance expert from Vargas and Vargas Insurance Agency, just call 617-298-0655. We will be happy to help you understand your automobile, homeowners, and business insurance coverage options, and select the plan that’s best for your unique needs.

 

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Winter Weather Part 2: During the Storm (what to do once a storm blows in)

 

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Now that you know what to do to prepare for a winter storm, we are ready to cover what to do once a storm blows in. When you’re stuck in the middle of a blizzard, here are some tips that you and your family should follow in order to stay safe:

  • During the storm, everyone should stay indoors.
  • If anyone must go outside, make sure that they dress for the weather, and tell them to walk carefully – black ice can be very dangerous!
  • Drive only if absolutely necessary. If someone goes out on the roads, know their destination and route just in case.
  • Know the signs of frostbite and hypothermia. Know what to do if anyone is affected by either of these conditions.
  • Stay tuned to your local weather station for updates on the storm.
  • Have plenty of activities ready in case of a power outage, especially if there are kids in the house. In fact, you may consider adding a few new games, books, crafts, and toys to your emergency kit to keep your kids occupied during a storm.

If and when there is a storm, please be careful and try to stay as safe as possible until the weather clears up. And make sure that you don’t miss the third and final part of this blog series, which will go into what you should do after a major storm, including tips for making home insurance claims if there is major damage to your home.

Hopefully, this information will help you If you are in a bad situation, or if you would like to speak with a Massachusetts insurance expert from Vargas and Vargas Insurance Agency, just call 617-298-0655. We will be happy to help you understand your automobile, homeowners, and business insurance coverage options, and select the plan that’s best for your unique needs.

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Have You Checked Your Car for These Problems Lately?

Simple ways to keep your car running

If a car is taken care of properly, it can easily last you for many years. Routine maintenance is a key factor in ensuring that your vehicle is in great shape, and there are a few things that you can do to make sure that your vehicle stays as healthy as possible:

  • If a dashboard light illuminates, have the issue checked by a professional right away.
  • Have someone help you check all of your car’s lights occasionally – headlights, turn signals, tail lights, and brake lights should all be operational.
  • Use an air pressure gauge to ensure that your tire’s PSI is within the manufacturer’s suggested range.
  • Check the amount of wear and tear on your tires, and replace your tires if it is significant.
  • Evaluate your fluid levels and top off fluid levels if needed, including engine oil, windshield wiper fluid, power steering fluid, and more.
  • Assess the state of your car’s windshield. If there are cracks or chips, have it repaired or replaced by a professional.
  • Make sure that windshield wipers are replaced at least once a year, or when they begin to leave streaks when in use.
  • Don’t be surprised by a dead battery – test your battery and cables and replace as needed.

Performing these rather simple checks occasionally will help you to ensure that your car runs smoothly for many years to come. Also remember to occasionally check on your auto insurance policy! You never know when you will need to use your coverage, so having an up-to-date policy is essential for all cars and their drivers.

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RV Safety Tips for Your Road Trips

Super C Motorhomes - Class C Diesel Motorhomes

Having your own Recreational Vehicle is a great way to take road trips in comfort. If you’ve had an RV for several years, or if you are thinking of getting into the game, we would like to share a few tips that will keep you safe while on the road. As with most aspects of life, a little bit of preparation goes a long way, so take a few minutes to brush up on your RV safety with these guidelines:

Have the Right Tools

Recreational vehicles are larger than the typical car, and that makes it more difficult to plan your route. You need to know the clearance of bridges and tunnels along your route to know whether you will fit under them. That’s where a road atlas made specifically for large vehicles like RVs and semi-trucks can come in handy.

Another important tool to have on hand in your RV is a first aid kit. You never know what might happen while you’re out having RV adventures, so make sure that your kit is stocked with the essentials – especially if you plan on doing any RV camping.

Realize the Value of Maintenance

An RV is like a car and a home in one – and that means that maintenance is doubly important. To make sure that you follow your manufacturer’s recommended maintenance schedule, write it down in your calendar. Make sure to include checking under your hood, as well as your lights, tires, and hitch. Also remember to maintain the living area of your RV, including cleaning your cooking vent and changing the batteries of your smoke detector and checking your fire extinguisher.

Make Your Plans Adjustable

Weather can be dangerous, even for regular sized automobiles. Your RV’s size makes it even more susceptible to the dangers of heavy rain, fog, and ice. If you know that you’re heading for an area that can fall prey to bad weather, make sure to give yourself plenty of time to make the trip. That way you won’t feel rushed, and can decide to postpone your trip if the weather gets bad.

Have a Breakdown Plan

You never expect to break down, but having a plan will make the situation much less stressful if it ever occurs. Have emergency telephone numbers (including the ones for our agency) saved in your cell phone, as well as written in an accessible location in your vehicle. Also make sure that a friend or family member knows your travel plans in case of emergency.

And remember – the best way to protect your RV and its precious cargo is with a Massachusetts RV insurance quote from the insurance experts here at Vargas and Vargas Insurance Agency. One quick call to 617-298-0655 will get you on the path to the protection that you deserve. Don’t even think about hitting the road again without at least calling for a free insurance evaluation from our experts – we can evaluate your current policy and alert you if there are any gaps in your coverage. Don’t leave yourself open to disasters, call our agency today!

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Keep Your Car Running with This Maintenance Schedule

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Whether your car is your ‘baby’ or just a way to get from Point A to Point B, you need to make sure that it stays in shape. The only way to do that is with regular maintenance. While it’s true that every make and model of car will have slightly different needs when it comes to their occasional tune-ups, the following maintenance schedule is a good basis for most automobiles.

Whether you perform these tasks yourself, or prefer to trust a professional, this maintenance schedule is the starting point to keeping your vehicle properly cared for:

Check Often:

  • See if any dashboard indicator lights are lit.
  • Check to make sure that all the car’s lights are working. This includes your headlights, turn signals, tail lights, and brake lights.
  • Inspect your tire’s air pressure, making sure the PSI is within your car’s suggested range.
  • Evaluate your tire’s treads, replacing if there is significant wear.
  • Top off your windshield wiper fluid and engine oil, if needed.
  • Check your car’s windshield for cracks and chips – repair or replace as needed.

Check Every 3 Months:

  • Check your automatic transmission and power steering fluids. Instructions for checking these fluid levels is often included in a car’s manual.
  • Test your car battery and cables.
  • Inspect belts and hoses for wear and tear, or have a professional do so.
  • See if you need a new air filter for your engine or cabin.

Check Every 6 Months:

  • Ensure that your chassis has the proper lubrication.
  • Replace your windshield wipers, if they are beginning to show wear or streak.
  • Check your car’s exhaust.
  • See if you need a tire rotation – these can significantly extend the life of your tires.

Check Every Year:

  • Make sure that wheels are properly aligned.
  • Check your vehicle’s steering and suspension.
  • Examine your coolant level.

While this general maintenance schedule will keep most cars up to date on their routine maintenance, it is important to follow your manufacturer’s instructions when servicing your vehicle. Also make sure that you ask a professional for advice and assistance in any job you are not comfortable performing yourself.

And don’t forget – the state of Massachusetts requires that all vehicles registered here receive a yearly safety inspection. Mark your date on your calendar, and when the time comes, find an inspection station near you!

It is also important to remember that the weather fluctuations that we get here in New England can wear on a car. Prepare your car for incoming warm weather in the summer, and the frigid winter temperatures in the fall. Doing just a little bit of preventative seasonal maintenance can significantly increase the lifespan of your vehicle!

To help make sure that your car is protected against anything the world throws its way, call 617-298-0655 to get an auto insurance quote from the Massachusetts insurance experts at Vargas and Vargas Insurance Agency. We will ensure that you and your car have full coverage. We can even review your current coverage to see if you are sufficiently protected – and the insurance review is free! Don’t wait, contact Vargas and Vargas Insurance today.

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Protecting Yourself Against Uninsured Motorists

Protecting Yourself Against Uninsured Motorists

Earlier this year, we asked for your insurance related questions on our Facebook Page. It’s time that we answer another of the questions that we received, and this one’s all about auto insurance! Heidi asked us the following question:

“If auto insurance is mandatory, why are there many uninsured motorists driving? Why isn’t this enforced?”

While we don’t understand why a driver would choose to endanger others by driving without sufficient insurance, we can explain the danger of uninsured motorists, and how you can protect against them with the help of a car insurance policy from our agency.

What is an Uninsured Motorist?

As you could probably guess, an uninsured motorist is someone who drives a vehicle without auto insurance coverage. What may surprise you is that The Insurance Research Council (IRC) estimates that 1 out of every 7 drivers in the US is currently uninsured. This is a huge concern because any auto accident caused by an uninsured driver can mean significant costs that aren’t covered by liability insurance policies.

To combat the fact that nearly 15% of drivers are uninsured, most states now require auto insurance policies to include uninsured motorist coverage. Massachusetts is one of these states.

Massachusetts Auto Insurance Requirements

In the state of Massachusetts, there is a minimum amount of insurance that must be held by each driver. When you get a Massachusetts auto insurance quote, this is the absolute minimum amount of coverage that you must purchase according to state laws:

  • Bodily Injury to Others: $20,000 per person; $40,000 per accident
  • Personal Injury Protection: $8,000 per person, per accident
  • Bodily Injury Caused by an Uninsured Auto: $20,000 per person; $40,000 per accident
  • Damage to Someone Else’s Property: $5,000 per accident

As you can see, anyone with auto insurance in the state of Massachusetts has at least $20,000 per person and $40,000 per accident worth of coverage against uninsured motorists. This means that you don’t need to fear getting into an accident with an uninsured motorist – your car insurance policy has built in protection against this situation. This protection typically includes coverage for medical expenses, pain and suffering, and lost wages. Ask your Massachusetts insurance agent if you have coverage against uninsured motorists for your property, including your home and automobile.

If you want to discuss the uninsured motorist coverage in your Massachusetts auto insurance policy, all you have to do is call 617-298-0655 and speak to a Vargas and Vargas Insurance agent. We can let you know how much coverage you have for accidents involving uninsured motorists, and let you know if you should increase your coverage. And if you have any questions about any of your insurance policies, feel free to call our agency and ask one of our expert Massachusetts insurance agents.

Stay tuned to the Vargas and Vargas Insurance Blog for more answers to the questions that you submitted, and much more!

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Influences on Boston Car Insurance Quotes

Boston car insurance quotes

When you call Vargas and Vargas Insurance for a car insurance quote, it may seem like our agents come up with a number out of thin air. The rate that they quote isn’t arbitrary, though – Boston car insurance quotes are based on a variety of factors. Some of these factors are explained below:

Your Features

The attributes of the driver are one of the factors that determines how much an insurance policy will cost. As your Boston insurance agent asks you questions to determine your car insurance quote, they will likely ask for your information including your gender and date of birth. Generally, women are safer drivers than men (and therefore pay less for their auto insurance). As you get older, your auto insurance rates will probably decrease – teenagers pay significantly more than more experienced drivers.

In some cases, insurance providers will also check your credit score when determining your car insurance rate. This is because there is often a correlation between a person’s credit score and their likelihood to file an insurance claim in the future.

Your address and the amount of time that you spend in the car will also have an effect on your insurance cost. Living in a safe area with low crime is a plus to insurance providers, as is having a short commute to work or a low average weekly mileage.

Your Car

The type of car that you drive has a significant impact on your car insurance costs for many reasons. First, the safety devices and features in your car may help you to avoid getting into an accident in the first place, or may reduce the severity of any accidents that do happen. Cars with significant safety features may qualify for significant discounts, while cars without added protection may have higher rates. Cars with special parts are often more expensive to repair, and often cost more to insure than cars with parts that are less expensive and easy to find.

Your Driving Record

It should come as no surprise that your driving record impacts your insurance costs. If you have had accidents or other driving violations in the past, insurance providers will often see you as an increased risk to insure, and will charge you more to make up for their increased potential loss. The longer you are able to go without a mark on your record, the less your insurance bill is likely to be.

Your Coverage

As the age-old saying goes, “You get what you pay for.” This is true when it comes to auto insurance policies. Getting a cheap policy often means leaving off important coverage. You need to have an experienced Boston insurance agent find you a car insurance quote that gets you the most bang for your buck – great coverage at a great price.

Now that you know more about how car insurance quotes are determined, call Vargas and Vargas Insurance Agency for a free quote of your own! One quick call to 617-298-0655 will put you in touch with one of our friendly and knowledgeable Boston auto insurance agents, and they will help you get a great insurance policy at a price that’s right for you.

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Best Places in Massachusetts for Cheap Car Insurance

Best Places in Massachusetts for Cheap Car Insurance

You already probably know that your place of residence has a huge effect on your home insurance cost. Did you know that it also affects what you pay for car insurance? It turns out that the average car insurance premium varies per city, according to Boston.com. Even in the state of Massachusetts, car insurance rates can vary by as much as $1,000 per year based on where you live.

There are a few reasons why your location affects your insurance premium. Most notably, people who live in areas that have a high population and traffic density are more likely to get into an accident. Insurance providers also consider the car theft rates when determining insurance premiums. For example, the state average of car thefts per 1,000 residents is 1.44. In Chelsea (the area in Massachusetts with the highest car insurance premiums) the rate is 4.98 thefts per 1,000 residents.

The ten most expensive places for car insurance in Massachusetts:

  1. Chelsea: $1,875.25
  2. Swampscott: $1,724.17
  3. Saugus: $1,724.17
  4. Randolph: $1,650.33
  5. Brockton: $1,593.88
  6. Springfield: $1,587.75
  7. Lynn: $1,511.50
  8. Everett: $1,448.38
  9. Malden: $1,448.13
  10. Medford: $1,448.13

The ten locations with cheap car insurance in Massachusetts are:

  1. Nantucket: $827.50
  2. Greenfield: $827.50
  3. Maynard: $839.08
  4. Northborough: $839.08
  5. West Concord: $839.08
  6. Medfield: $839.08
  7. Wellesley: $886.92
  8. Newburyport: $886.92
  9. Franklin: $886.92
  10. Arlington: $896.75

Assuming that you’re not willing to relocate just to save on your car insurance premium, there are still plenty of ways that you can lower your premium to get cheap car insurance. Some cars get better insurance rates than others. Often, insurance providers offer several discounts for safe drivers and cars with safety features. Drivers that belong to certain organizations also can receive discounted rates.

One of the best ways to save on auto insurance (whether you’re on the ‘best’ list, the ‘worst’ list, or anywhere in between) is to shop around at several insurance providers. Here at Vargas and Vargas Insurance Agency, we gather information from our clients and compare several insurance providers to ensure that they get the best rate available.

If you want to make sure that you’re getting cheap car insurance, all you have to do is call Vargas and Vargas Insurance Agency at 617-298-0655. Our auto insurance experts will get you a car insurance quote that gets you the coverage you need at a price that’s right for you.

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Partner Carriers

  • Arbella Insurance
  • Commerce
  • Mass Property
  • New London County Mutual
  • Norfolk and Dedham
  • Palomar
  • Pilgrim
  • Plymouth Rock
  • Safety
  • Travelers
  • Vermont Mutual