Does a Lapse in Car Insurance Affect Your Rates?

Posted on October 10, 2022September 21, 2022 by cvargas

Among the best ways to save money on auto policies is to make sure you don’t have a lapse in car insurance coverage. This is when, for whatever reason, you stop payments on your policy for your automobile.

While it may save you a few dollars this month, it’ll come back to haunt you later on, especially in the event of an accident.

In reality, the only lapse in auto coverage you should ever have is when you have no vehicle to drive. You can’t really put insurance on something that doesn’t exist. Though, it’s probably a good idea to get non-owner car insurance if you plan on borrowing or driving someone else’s vehicle.

How a Lapse in Car Insurance Affects Your Rates

Typically, the effects on your rates depend on the amount of time that has lapsed. In many cases, there is an 8% increase if you haven’t had insurance within 30 days. Afterward, it could get much higher ranging up to 35% for a lapse of 31 days or more.

For an annual policy, this could result in paying hundreds of dollars more than what you would have paid. This is why it’s important to get back onto an insurance policy as soon as your old plan expires.

And that’s if you’re not a high-risk driver. The amount you pay could be significantly higher.

Now, this is an estimation as every insurer will have its own policies and penalties. But you can bet that any lapse will result in some sort of higher premium.

What to Do if You Have a Lapse in Car Insurance

Not all lapses in coverage are on purpose. Sometimes people forget to pay their premiums. Or, maybe something else caused the insurer to drop your plan.

In any case, it’s a necessity to get coverage as soon as possible if you continue to drive.

A few things you can do include:

Have your local independent insurance agent ask your insurer for a reinstatement. In some cases, your agent may be able to work with you to reinstate your policy with minimal penalties if done quickly enough.
Have your insurance agent shop around to see how much of a penalty you’ll have to pay for coverage. Perhaps they can find an insurance comoany that is cheaper overall.
Refrain from driving until you’re properly covered. Even if you don’t get into an accident, you can still get a ticket or a potential court appearance should you get pulled over by an office for any other reason.

License, registration, and proof of insurance…

Don’t Forget to Seek Discounts

Some insurers will still allow you to qualify for certain discounts to offset penalties from a lapse of car insurance. This could include things like a good driver’s discount, low mileage use, combining policies such as including homeowner’s insurance, anti-theft devices, defensive driving courses, and more.

Ask your provider what discounts you qualify for even with the lapse in coverage. It could help reduce your monthly payments after a lapse.

It’s Best to ALWAYS Have the Auto Covered

A lapse in car insurance can happen for a myriad of reasons. And many of them might not even be your fault. However, you’ll still feel the brunt of a lapse if you take too long to rectify the situation.

At Vargas & Vargas Insurance, we work with many national insurance companies and may be able to help you find car insurance policies that are affordable even after an extended lapse. Contact us today to find out how we can help you get back on the road.

After all, the sooner your car is covered, the cheaper it’ll be in the long run.

6 More Tips to Winterize Your Car Before it Snows

Posted on October 3, 2022September 21, 2022 by cvargas

One of my favorite sayings is, “an ounce of prevention is worth a pound of the cure.” This means the little things you do today may save you from a lot of headaches later on. In this case, it’s making sure to winterize your car before the snow starts to fall.

Now, we’ve provided some tips for winterizing autos in the past. But today, we’re going to expand a bit and offer a few more than can keep you and your family safe this winter.

1. Keep the Car Clean

A build-up of slush, ice, mud, and road debris can wreak havoc on your car. Not only can it damage the paint, but it can also lead to rust if not properly cleaned.

This is especially true in areas that utilize a lot of salt or magnesium chloride to melt icy roads. Prolonged exposure could ultimately damage the vehicle.

2. Winterize Your Car with Snow Tires

Keeping an eye on air pressure is helpful. But switching to snow tires can make a world of difference in severe weather. The tread on these tires is such that it improves traction, which reduces your risks of losing control.

If you don’t use snow tires, at least check the tread gap of your tires to ensure they’re still in good condition.

3. Check the Brakes on the Car

It’s bad enough that you can potentially slide through an icy intersection, but losing control because of bad breaks can make the situation far worse.

Having the brakes inspected now could save you a lot of hassle later on should the brakes fail during a snow storm.

4. Winterize by Using De-Icer for Your Car

De-icer fluid can come in a variety of packages. You’ll see a lot of de-icing windshield fluids as well as sprays for your door’s lock. In any case, methods to help de-ice your car shouldn’t be underestimated.

You could go as far as using anti-fog sprays on the inside of your windshield to prevent the glass from fogging up in the mornings. It’s the same spray that motorcyclists and skiers use on their helmets and visors, and it works wonders!

The anti-fog sprays not only help winterize your car, but they can do so much more for other outdoor activities. It’s worthwhile having a bottle on hand.

5. Have an Emergency Kit on Hand

You should always have an emergency kit in your car regardless of the weather. In the event of winter, though, it should include gloves, blankets, drinking water, and non-perishable edibles, such as nuts and/or other sealed goods.

Think of it this way; if you were to slide off the road somewhere, could you survive below-zero temperatures for several days with what you have in your car right now?

Sure, it’s a very rare occurrence this could happen. Yet, hundreds were stranded in eastern Virginia at the beginning of 2022, forced to stay the night in their vehicles.

6. Be Mindful of Driving Abilities

The way you drive in the winter is vastly different from how you drive in the summer. Obviously, there are greater threats to consider. Mostly, how you handle black ice and dense snow storms.

Practicing your driving skills in poor weather conditions can vastly improve your chances of avoiding accidents. In fact, a lot of businesses offer winter driving schools for this very reason.

Winterize Your Car with the Best Insurance Plans

Every year, roughly 39% of all weather-related auto accidents happen on roads experiencing everything from regular snowfall to icy pavement. Regardless of how much preparedness you commit to, there’s always a chance you’ll be involved in an accident yourself.

At Vargas & Vargas Insurance, we’ll help you find the best policies regardless of the weather. Contact us today to see what we can do for you this winter.

Just make sure you take steps to winterize your car before the weather gets too bad.

Getting your Dorchester area home ready for winter with the right insurance

Posted on September 27, 2022October 12, 2022 by agentinsure

Vargas & Vargas Insurance is here for the residents of Boston, MA, and the surrounding area. If you are considering a new home purchase or want to make sure that you have the right insurance in place before winter arrives, give our office a call.

Get your home ready for winter with the right insurance

Winters can be disruptive in our area, and it only makes sense to carry the correct type of insurance at the correct policy levels. If it’s been a while since you have reviewed your policy, now is a great time to do so. Home insurance needs can change over time, so it is advisable to review your policy regularly.

In the lead-up to winter, be sure to have your home ready for the weather. Make sure your home policy contains all the coverage you need. Roofs, windows, and outbuildings are often frequent targets of loss and damage. Be sure that your policy covers such items and at the correct amount.

Liability coverage is another part of your policy that is important to review. If someone were to slip and fall on ice located on your property, you could be held financially responsible for any injuries that they sustain. Ensure that your liability is at the correct level and provides the protection you need.

Now is the perfect time to get your home ready for winter!

Give us a call today!

Boston, MA, area residents can turn to the Vargas & Vargas Insurance team for all their insurance needs. We handle all types of insurance, including homeowners. Let us help you ensure that you have the proper protection. Call or stop by today!

Why Have Smoke Detectors Tested Before the Holidays?

Posted on September 26, 2022September 26, 2024 by cvargas

As we begin the last quarter of the year, it’s time to make sure those smoke detectors are working. Yes, even when the snow is coming down and the temperatures drop, fires can still happen in the home. In fact, fire departments respond to an average of 160 home fires each year due to improper care of Christmas trees.

That’s just the tip of the iceberg. Fires can happen thanks to malfunctioning HVAC units, cooking accidents, wood stoves, fireplaces being started, and more during the coldest months of the year. In many cases, people will overload a power outlet with lights and appliances to the point of causing a fire.

Let’s go over properly taking care of your fire detection devices.

Why Should You Check Smoke Detectors and Fire Alarms?

Units such as smoke detectors and fire alarms are not immune to the ravages of time. Batteries die, electronic components may fail, and other elements can wear out as the years march on.

Regularly testing your devices helps keep your family safe while potentially limiting the damage to your property. A good rule of thumb is to replace the batteries in your devices at daylight savings time.

How Often Should You Check These Devices?

According to the US Fire Administration, you should check smoke detectors and fire alarms at least once every six months. For most devices, all you need to do is simply push the test button.

You should also keep an eye on the manufactured date of the device. If it is older than 10 years, then you’ll want to have it replaced as soon as possible. Luckily, smoke detectors and fire alarms are not overly expensive to replace.

Think of it this way; would you rather spend $40 now to replace the unit or the thousands of dollars you’ll pay should a fire break out while you have a faulty detector?

We recently had a smoke detector that would continuously chime even after replacing the batteries. When I opened it up, the installation date of the unit was 2004! We decided to replace it as soon as possible and picked a device that also doubles as a carbon monoxide detector. The best part is that it has a 10-year lithium battery, so, no more replacing the 9-volt square batteries two times per year. That may not sound like much of a savings until you consider that it adds up over the span of the smoke detector’s lifecycle.

What to Look for When Testing Smoke Detectors

Although every unit will have its own documentation to follow, there are several universal elements you’ll need to consider when testing a smoke detector or fire alarm.

For most battery-powered and hard-wired units, pay attention to:

Weak or non-existent sound during testing. An alarm is useless if it can’t wake you up. Try replacing the batteries.
Place detectors in areas where the sound is low or muffled. You want total coverage in order to clearly hear the alarm.
Clean any dust or debris from smoke detectors, especially if you have pets or live in rural areas where the dust level is higher.
Have someone stand the furthest they can in your home from the detector when testing. Can he or she hear the alarm clearly?

Overall, smoke detectors and fire alarms are some of the easiest to maintain in the home. And if the sound is weak, even with new batteries, then you’ll want to replace the device.

Always Pay Attention to Protective Devices

From fire alarms to carbon monoxide detectors, it’s vital that you make sure all of your devices are functioning properly. The best part is that it takes less than a few minutes to test or even replace these units.

While you’re maintaining these life-saving devices, also consider your homeowner’s policy. You may qualify for additional savings by having certain things installed. At Vargas & Vargas Insurance, we can help you identify any discounts available as well as find you the best policies for your needs.

Contact us today to help keep your family and property protected. It only takes the slightest spark to create a winter nightmare.

Is the FAIR Plan Home Insurance the Best Choice for Your Insurance Needs?

Posted on September 19, 2022September 16, 2022 by cvargas

Not everyone lives in the most serene locations or moves into the most perfect of homes. And sometimes, issues can arise that make finding quality insurance quite difficult. That’s when a FAIR Plan insurance policy might be the best course of action.

Whether it’s from outdated wiring, roof damages, owning a high-risk dog breed, or filing too many claims, you could find yourself losing coverage of your home. However, there are options available when facing these high-risk elements.

What is the FAIR Plan?

Fair Access to Insurance Requirements, or FAIR, are plans that offer protection to homeowners, Condominiums, and nonowner-occupied properties, also known as Dwelling policies who usually cannot otherwise get coverage elsewhere. These types of policies focus on the home itself rather than the owner.

For instance, if your home is in a location prone to various severe weather conditions or crime, you may qualify for FAIR Plan coverage. This also includes residences that have old plumbing or electrical systems, as they are more likely to have been flooded or fire damaged.

Essentially, the Fair Plan offers insurance for people who are sometimes unable to qualify for a regular type of insurance plan due to the high-risk nature of the home or high insurance premium communities.

How Do You Qualify for FAIR Plan Insurance?

The qualifications for FAIR home insurance vary from state to state. Nonetheless, a lot of plans follow several eligibility requirements across the board.

Still, you may want to look into the specific requirements for your area or call us to help you.

In any case, having a “high-risk” home doesn’t automatically qualify you for FAIR Plan coverage. And in most cases, you may need to make improvements to your property before coverage is allowed.

For example, repairing prior damage or making sure that your home has no safety hazards.

What is Covered By FAIR Plan Insurance?

FAIR Plan home insurance policies provide the same coverage that traditional plans do. The FAIR Plan provides you coverage when you most need it.

The FAIR Plan will cover damages from fires, vandalism, windstorms, and other severe weather. This includes the contents of the home in some instances.

When it comes to liability, some FAIR Plan home insurance plans provide a cushion of up to $500,000 for personal protection. This includes up to $5,000 if your property injures a third party.

What are the Best Home Insurance Plans in Massachusetts?

FAIR Plan home insurance gives you peace of mind knowing you have a policy that can cover you. Regardless of your situation, there are coverage options available.

At Vargas & Vargas insurance, we specialize in all forms of insurance, including high-risk properties, homes that have outdated wiring, and various dog breeds I mentioned earlier. Contact us today and find out how we can help you get home insurance for your house or condo or investment property.

How to Protect Your Home from Rising Housing Costs

Posted on September 12, 2022September 12, 2022 by cvargas

In many areas, the housing market is skyrocketing. In fact, many homes in the United States have doubled and even tripled in price. And while these rising housing costs may give you pause, it’s important to keep yourself protected.

While you may be tempted to find a way to reduce Coverage A your new home to save money, the alternative could put you in financial dire straights.

Today, let’s go over some of the ways you can keep your home protected even as the housing market continues to inflate.

Understanding Market Price vs Build Cost

There is a big difference between the market price of your home and its build cost. The materials that go into building or repairing your home could greatly vary.

For example, during the pandemic, the cost of wood skyrocketed. This meant the repair costs of certain types of damages would have been much greater. Not having enough Coverage A would have resulted in additional costs for you.

This is true regardless of where your home was located or its appraisal value.

Running a Replacement Costs Estimate

A replacement cost is when you calculate how much it would cost to rebuild a residence that is virtually similar to your previous home. Now, this estimate takes into consideration the quality of the materials used as well as various amenities and sizes.

However, it doesn’t include things like land value or other improvements made aside from the basic structure. This estimate could help you get an idea of how much Coverage A you will need in the event of a catastrophe.

Adding EDC to Your Home

Extended Dwelling Coverage, or EDC, is the additional amount of insurance from your provider to compensate in the event of a “total loss” going beyond your current coverage. In other words, it fills in the gaps when rising costs affect the amount covered when repairing or rebuilding housing.

Having an adequate EDC in your policy is always a good call. It can mean the difference between having full coverage or having to pay some of the expenses yourself.

Communicate with Your Agent

Perhaps one of the most effective ways of protecting your home when rising housing costs run rampant is by staying in communication with your agent. They are a wealth of information and will do everything they can to help within your budget.

Whether it’s finding discounts or making tweaks to your policy to provide enough coverage, your agent is on your side.

Rising Housing Costs Shouldn’t Detract from Coverage Decisions

Home insurance is one thing you do not want to skimp on. In the event of an emergency, having too little Coverage A could wind up costing you a lot of money out-of-pocket. Don’t let rising housing costs dissuade you from shielding your wallet from damages.

At Vargas & Vargas Insurance, we’ll go the extra mile to ensure that your home remains protected. This is regardless of how the housing market performs. It’s our job to make sure that you have coverage without breaking the bank.

Do Men Drivers Pay More for Insurance Premiums?

Posted on September 5, 2022September 1, 2022 by cvargas

Most insurance companies have formulas for how much they will charge for premiums every month. One such calculation involves gender. That’s because men drivers are more likely to be involved in an automobile accident than women.

In 2020, 72% of men drivers were involved in fatal car accidents as drivers. For those who ride motorcycles, the death rate climbed sharply to 92% mortality.

Because men are nearly three times more likely to be in an accident, they are often classified as a “high risk.”

It’s this high-risk factor that gives a lot of insurers pause for concern. It’s similar to why someone who is frequently in car accidents pays more in premiums.

When a provider pays more from claims than is coming in, it’s not good business.

Ways Men Drivers Can Reduce Premiums

While men often pay more for auto insurance, there are plenty of ways drivers can keep the costs as low as possible. Some of them may seem more like second nature to you as a driver.

So, what can you do to reduce coverage costs?

Have a Good Driving Record: One of the easiest methods is to simply have a good record behind the wheel of your car. This discount can kick in between three and five years, depending on the insurer.
Take Defensive Driving Courses: Some providers will provide a discount if you complete intensive driving courses. Not only will it help you save money, but it can also keep you safer while on the road.
Choosing Safer Vehicles to Drive: I know, you’d probably love a sports car. However, they are usually far more expensive with full coverage than an economy car. In some instances, the difference could be in excess of $300 per year.
Increase the Deductible: By increasing deductibles, you’ll often decrease monthly premiums. This is because you’ll have to pay more out of pocket in the event of an accident.
Work on Your Credit Rating: Credit isn’t just used for buying a house or a new car. Your credit score can help you decrease monthly auto insurance rates.

It’s Not All Grim, Though

Luckily, safety measures have greatly made a difference over the last 40 years. Back in 1978, men drivers made up 22.6 deaths for every 100,000 people in the United States. This has decreased to 9.9 in 2020.

Automobile safety legislation, improved protective devices such as airbags, defensive driving courses, and much more have made a massive impact in curbing auto fatalities.

In fact, when you compare the population of 1978 to that of 2020 and the decline in deaths, there is a stark improvement in safety behind the wheel.

However, this only reflects the death rate. Accidents will still happen, and this is why insurance coverage is so vital.

Always Make Sure You Have Coverage

You can’t argue with certain traffic statistics. And while some people might think it’s unfair, it’s not an anomaly. Men are simply more prone to accidents overall than women drivers.

At Vargas & Vargas Insurance, we work to help you save as much as you can while making sure you have adequate coverage should something happen. Contact us today and find out what we can do to keep your insurance needs from breaking the bank.

7 Easy Tips to Lower Auto Insurance Premiums Each Month

Posted on August 29, 2022August 18, 2022 by cvargas

With the kids returning to school, the holidays on the horizon, and the talk about and worry about recession and inflation, many of us look at lowering our bills each month. Today, let’s review a few ways to help lower your auto insurance premiums to keep more cash in your pocket.

1. Compare Rates Among Insurers

One of the quickest ways to find the best rates is to shop around. And we can help with shopping around, as Vargas & Vargas Insurance represents many of the region’s top insurance companies, and we do this regularly for our insureds. Some insurers may have lower prices depending on your needs. However, low rates don’t always guarantee quality service.

While the cost may be an attractive feature, you also want an insurance provider you can trust.

2. Higher Deductibles for Lower Monthly Rates

In many cases, you can opt to increase deductibles to reduce your monthly rates. This means you pay less every month but will have to pay more out of pocket in the event of an accident.

Many people choose this type of plan simply because it’s cheaper to maintain. And if you don’t need to file a claim, the higher deductible is rarely a consideration.

3. Bundle Home and Auto Insurance Together

Bundling home and auto insurance together can greatly impact how much you pay for each one. This is an exceptionally common practice and helps you keep all of your insurance needs under one roof, so to speak.

In other words, it’s convenient to have all of your insurance needs through one company while providing monthly discounts.

4. Lower Auto Insurance with Good Credit

Some insurers will provide a discount if you have good credit. This is because good credit often signifies financial responsibility, which puts just about any company at ease.

Don’t get me wrong, you can still get affordable premiums without an 800 credit rating. However, improving your score can help lower the auto insurance premiums from certain providers.

5. Ask About Low-Mileage Discounts

When talking with an agent, ask them if there is a possible “low-mileage” discount. In some instances, the amount of driving you actually do throughout a month can impact how much you pay for insurance.

An example of this is how someone who drives less than 20 miles per month will pay less than someone who drives 2,000. Fewer miles means there is less of a chance of an accident.

6. Group Policies Can Lower Auto Insurance Premiums

Home and auto isn’t the only thing you can bundle with some insurers. You may also qualify for group policies. These are exceptionally useful for families as everyone has coverage while reducing the per-person rate.

However, buyer beware here; many group plans may become more expensive over time than if you were not part of a group. So, review your group policies regularly with a local independent insurance agent to make sure that you are still receiving the best rates for your insurance.

This is why a lot of parents will add children to insurance plans as it affects the rate a child would have to pay by him or herself.

7. Ask About Good Driver Discounts

Having a spotless driving record can have a lot of benefits, especially when it comes to a lower auto insurance premium. If you can demonstrate near perfection behind the wheel, it could reduce your rates.

In fact, some insurers will offer a discount if you take defensive driving courses. That’s because these courses can result in dramatically reducing the chances you’ll be in an accident.

Reduce Your Monthly Spending in These Trying Times

You shouldn’t have to put yourself or your family at risk to simply cut costs. Today, every penny counts, and what you can save by lowering your auto insurance might help you afford other necessities.

At Vargas & Vargas Insurance, we work to help you afford coverage for your automobile without breaking the bank. Contact us today and find out how we can help you keep your vehicles covered in this uncertain world.

Protect Your Family Assets With Umbrella Insurance in Massachusetts

Posted on August 29, 2022August 29, 2022 by agentinsure

When you live in Dorchester, MA, it’s essential to have umbrella insurance. This type of insurance can help protect your family assets in case of an accident or lawsuit. Here are some things to consider when choosing umbrella insurance.

What is Umbrella Insurance?

Umbrella insurance is liability insurance that can help protect you and your family financially if you are sued or held liable for an accident. It can provide coverage above and beyond your regular homeowner’s or auto insurance policy limits.

Your Vargas & Vargas Insurance Agency can help you understand what you need to know about choosing the right umbrella insurance for you and your family.

Why Do I Need Umbrella Insurance?

Dorchester is a bustling city with a lot of traffic. This can increase your chances of being in an accident. If you are at fault in an accident, your regular insurance policy may not cover all the damage. This is where umbrella insurance can help. It can provide coverage for things like medical expenses, property damage, and legal fees.

As a homeowner, you are also at risk of being sued. If someone has an injury on your property, they may sue you to cover their medical expenses. Umbrella insurance can help protect your assets in this situation. If you have a pool, playground equipment, or other hazards on your property, umbrella insurance is also a good idea for peace of mind.

How Much Umbrella Insurance Do I Need?

The amount of umbrella insurance you need depends on your assets and income. It would help if you considered how much coverage you would need to protect your home, savings, and future earnings. A financial advisor can help you determine the right coverage for your needs.

Talk to your Vargas & Vargas Insurance Agency about umbrella insurance in Dorchester, MA.

Ways Student Drivers Can Save on Insurance Costs

Posted on August 22, 2022July 28, 2022 by cvargas

As the school year begins, many student drivers will take to the roads. And for some, this might be the first time they are actively driving an automobile to and from school. Are you getting the best insurance deals for your teens?

There are a few ways you can reduce the overall cost of insurance premiums for student drivers. Many of them require a bit more time behind the wheel than, say, a sophomore in high school.

However, there are a few ways you can still save on new drivers heading to class.

Good Grades for Student Drivers

A lot of insurers will offer discounts for students if they can maintain a B average or better. This is one way to inspire student drivers to perform as well as they possibly can in school.

In some cases, the insurer may provide a discount if the student is within the top 20% of his or her class. Some agents may also apply discounts for performing well (top 20%) on various achievement tests, such as the ACT, SAT, PSAT, and more.

Good Student discounts may be available for high school, college, or even home-schooled students between the ages of 16 and 25. If you’re unsure your insurer provides these types of discounts, it’s worth the time to contact them today. It could save a great deal on premiums every month.

In most cases, you’ll need a current grade report card for your student or a signed form from a school administrator proving your student does, indeed, have good grades.

Good Driver Discounts for Students

Doing well in school is a great way to reduce insurance costs. However, some students may also qualify as Good Drivers. Of course, this is usually for college students because of the requirements.

For instance, most Good Driver discounts are triggered by accident and violation-free driving for the past three to five years. This means anyone under the age of 19 has a lower chance to qualify because of a lack of sufficient time behind the wheel.

Nonetheless, paying the auto insurance for your college student may be cheaper should he or she have a spotless driving record.

Usage-Based Auto Insurance

Something else you could keep in mind for your student drivers is usage-based insurance. This is often referred to as telematics insurance.

In this type of insurance, the premiums are based on the amount of actual driving that is done. In most cases, mobile apps or devices collect data regarding the use of the vehicle.

Data collected could be everything from mileage tracking to capturing the speed of the driver.

Telematics uses a similar platform to pay-as-you-go. Depending on the distance traveled during any given time period and the overall driving performance of your student, insurance premiums could be significantly reduced.

Unfortunately, because of the sheer amount of setup and data collected, telematics isn’t available to every insurance provider.

Reduce the Cost of Your Student Drivers Today!

Having a child in school often costs parents a great deal of money every month. Don’t let insurance be one of those things that stress you out.

At Vargas & Vargas Insurance, we’ll help you find the best deals for your student without breaking the bank. Contact us today to find out what we can do for you and your student.

13 Easy Weatherproofing Ideas for Your Home and Auto

Posted on August 15, 2022July 28, 2022 by cvargas

As each summer gets hotter than the last, we have to do what we can to reduce the damage brought on by excessive heat. Not only does weatherproofing prolong the lifespan of certain things for the home and auto, but many of them can also save you quite a bit of money.

Today, let’s take a look at several ways you can prevent high temperatures from wreaking havoc on your property.

Weatherproofing Your Home

From a financial standpoint, weatherproofing your home is always a good idea. Not only does it reduce the onset of certain kinds of damage, but it can have an immediate impact on your monthly bills.

A few ideas that can reduce the cooling of your home include:

Using aluminum foil on the windows to reflect heat.
Using blackout curtains to block heat and light if you don’t like the appearance of aluminum.
Replacing insulation and sealing holes and cracks in your walls, windows, and doors.
Adding window awnings to provide shade from direct sunlight.
Cleaning ducts to allow better airflow.
Replacing air filters of your HVAC system every 90 days.

The best part is that most of these ideas cost very little to implement. Nonetheless, they can save you a great deal of money in the long term.

For example, simply keeping the ductwork clean allows for better airflow, which results in the HVAC system having to work less to keep the home cool or heated. This means less wear and tear on the unit itself.

In other words, that $10 filter could save you hundreds of dollars in energy bills and repair costs.

Weatherproofing Your Car

Not everyone thinks about weatherproofing the car or truck. However, they can benefit in much the same way as your home. Well, actually it is you who benefits as it will save you quite a bit in repair costs when the temperature spikes.

Keep in mind that electronics are more susceptible to failure when the ambient temperatures are higher. As there are a lot of electronic devices in vehicles today, it’s imperative to do what you can to reduce the impact of those high temperatures.

A few things you can do to protect your auto include:

Keeping the tires properly inflated, as heat can weaken the rubber and reduce elasticity. This can lead to cracking.
Making sure all fluids are at proper levels as lubricants are more vital during times of excessive heat.
Replacing the battery before it fails, especially those that are exceptionally older.
Using window coverings to keep the heat out. It’s more comfortable and prevents damage to things inside the vehicle.

Just like the home, weatherproofing your vehicle now can save you on future repair costs. Not to mention reducing the likelihood of breaking down on the side of the road with temperatures in excess of 100 degrees.

Leave Nothing to Chance

Although there are plenty of ways for weatherproofing your car and home to save money, Vargas & Vargas insurance can help you take the savings to that extra level. Contact us today to find out how we can customize your policy to accommodate your lifestyle.

From protecting your property from the ravages of heat waves to giving peace of mind throughout the winter months, we can help you.

Does Inflation Cause Insurance Rates to Go Up?

Posted on August 8, 2022July 27, 2022 by cvargas

Inflation will affect a wide scope of products and services. Unfortunately, this also includes home and auto insurance. The reason for this is that insurers examine several factors when determining rates. One of these factors is the cost to repair or replace.

How Inflation Can Affect Insurance Rates

If the cost of raw materials goes up, this will have an impact on how much an insurer will need to cover predetermined expenses.

For example, a lot of automobiles require microchips in order to function properly. Thanks to the global chip shortage, the costs to replace them are much higher than they were five years ago.

This means insurers must pass on the more expensive auto repairs to clients.

Some expenses for home repair recently increased in 2020 and 2021. However, lumber prices have come down as inventories continue to pile up due to things like mortgage rates increasing, which decreases demand for new home sales.

However, shortages can come in a variety of forms for housing. For example, a current lack of labor and certain electrical equipment can ultimately affect new construction and repairs.

This all culminates in how an insurer adjusts your premiums. In other words, it’s common for inflation to directly affect how much you’ll pay for home and auto insurance.

It all comes down to the cost of repairs should something happen.

Ways to Lower Your Monthly Premiums

Although inflation will directly impact insurance rates, there are several things you can do to reduce the costs on your end.

A few ways you can lower monthly insurance premiums include:

Bundling auto and home insurance packages – many insurers will offer discounts by combining policies.
Pay for a year in advance – depending on your insurer, you may be offered a discount if you pay for a year or more ahead of time.
Increase your deductibles – Although this means you’ll need to have more money out-of-pocket before insurance kicks in, a higher deductible often results in lower monthly premiums.
Check your insurer for any home and auto insurance discount programs – for instance, many auto insurers will have “good driver” discounts for those who have never filed a claim.
Demonstrate being a safe homeowner – it’s possible that you may qualify for discounts if you show a history of not filing insurance claims or have equipment installed to prevent damage to the home.
Make home improvements – it doesn’t take a massive investment to improve the home. Something as simple as improved lighting, CO2 sensors, or installing a doorbell camera may help reduce insurance premiums.

Of course, this also depends greatly on your insurance agent. But for the most part, insurers have a variety of discounts available if you ask for them.

Let Us Help You Weather Inflation Issues

At Vargas & Vargas Insurance, we’ll help you customize your plan to help you adjust during times of inflation. We are here to offer you solutions that will fit your budget. Contact us today and find out how we can help you.

From auto insurance to home protection, don’t let rising costs scare you away from protecting your property.

Who Should Get Flood Insurance?

Posted on August 1, 2022July 27, 2022 by agentinsure

For everyone who owns a home, it’s important to give it all the protection it needs against a wide range of risks. Home insurance protects against many threats but doesn’t offer any protection against flooding. Floods are an expensive type of disaster that can cause enormous damage. Flood insurance can help pay for the damage done after a flood, which may even require rebuilding the house. If you don’t have flood insurance, give us a call today at Vargas & Vargas Insurance in Dorchester, MA.

Everyone Needs Flood Insurance

There are high-risk areas for flooding and areas with little risk of it. Many homeowners don’t consider getting a flood insurance policy unless they live in a high-risk area. And while it’s essential to have this insurance if you’re in a high-risk area, it’s also essential if you aren’t in one of these areas. About 20% of the claims for floods originate from areas not at high risk for flooding. For people who don’t have flood insurance and experience flooding, it can mean significant damage to their homes. The National Flood Insurance Program recommends that all homeowners get this insurance to protect themselves.

The Backing of Flood Insurance

Flood insurance is sponsored and backed by the National Flood Insurance Program. This program ensures government backing for these policies and sets the price of this insurance. This means you don’t have to shop around or hope you got the best price, as it costs the same everywhere.

Get Your Flood Insurance Policy

Getting flood insurance is important whether you are in a high-risk or low-risk flood zone. To get this insurance protection, give us a call at Vargas & Vargas Insurance in Dorchester, MA.

How Extreme Heat Waves Can Easily Damage Your Home

Posted on July 25, 2022July 25, 2022 by cvargas

Heat waves are becoming more commonplace in many areas of the globe. By July of 2022, three heat waves have swept through the United States. And this doesn’t include the excessive temperatures in places like Europe and Great Britain.

Heat waves can be exceptionally dangerous to human life, which is why you need to keep yourself and your family safe. Yet, they are also exceptionally dangerous to the home.

Never underestimate the power of Mother Nature.

Wear and Tear to Structures

A large portion of homes are made with a wooden structure. From support beams to floors and roofs, there is a lot of lumber in many houses and businesses.

The problem is that wood contracts and expands due to varying temperatures. This fluctuation becomes more rapid and extreme depending on the ambient heat and cold fronts.

The end result is the wood begins to crack and split in various locations throughout the residence. This can compromise the structural integrity of the building and could result in causing far more damage down the line.

For example, a split support beam is less likely to hold the weight of walls or ceilings.

Leaky Roofs

Speaking of splitting wood, the roof is perhaps your first defense against the elements. Due to its construction materials and ability to absorb sunlight and heat, it’s constantly exposed to extreme weather.

As I mentioned earlier, wood begins to crack as it constricts and expands. This includes the materials your shingles are nailed to. Once the smallest crack forms, moisture can easily enter and begin wreaking havoc on the roof.

This doesn’t include how heat waves can cause shingles and other roof types to warp, exposing the underbelly of the roof to even more potential damage.

Wildfire Hazards

An inevitable outcome of heat waves is the onset of wildfires. You’ve probably seen a lot of news coverage in 2022 regarding the damage these fires have caused just in the first half of the year alone.

If a strong wind picks up, wildfires can quickly consume large swaths of land in a very short period of time.

Even if the fire doesn’t consume the entire home, everything from electrical to plumbing damage can be part of the end result. The smallest fires have the potential to cost hundreds if not thousands to repair.

Foundation and Cement Damage

Wood isn’t the only building material that will be affected by heat waves. In fact, the very foundation of your home can be subject to extensive damage during extreme temperatures and drought.

For instance, when the moisture in the soil evaporates, the foundation is less likely to keep a firm grip on the ground. You’ll often see these kinds of effects on sidewalks and roads as cracks begin to form.

However, the actual foundation of your house can also experience the same fate. And just like the roof, cracks in the foundation can lead to a variety of leaks and other weather-based damage.

Protect Yourself During Heat Waves

At Vargas & Vargas Insurance, we’ll help you stay protected against a variety of weather issues. From heat waves to floods, contact us today to find out what we can do to customize your policies for the future.

The last thing you want to experience is a leak in the middle of winter after a heat wave compromised your roof.

6 Ways Insurance Agents Can Help When Buying a Home

Posted on July 10, 2022June 25, 2022 by cvargas

Buying a home is an exciting time in anyone’s life. However, it can also be stressful as you want the best deal possible while finding that “perfect” house. Have you thought about how an insurance agent can help you find the home of your dreams?

Being a Local Expert

Whether you’re a local yourself or moving into a new city, insurance agents are experts in their geographic location. This means they can help by making recommendations while knowing the ins and outs of the locale.

These insights can include everything from school districts to lifestyle happenings and safety. Being part of the local community gives agents a great perspective of the area including specific neighborhoods.

Accurate Cost of Home Insurance Coverages

A local insurance agent will have the ability to provide an accurate estimation of homeowner’s coverage. Thanks to their familiarity with the locale and market values, you’ll get a better idea of how much you’ll spend in addition to your mortgage.

Things like safety features, square footage, and neighborhood can affect your monthly premiums. Contacting a local insurance agent when buying a home takes a lot of guesswork out of the equation.

Better Understanding of Coverage Types

Working in the local area, insurance agents have a better grasp of the types of coverage you might need. For instance, does the location of your prospective new home have an issue with flooding?

This can also benefit you in the other direction as an agent can help save you money by not requiring coverage types. For example, it’s unlikely you’ll need earthquake coverage if the area hasn’t experienced one in a century or two.

Understanding Previous Claims

One of the more profound aspects to using a local insurance agent is his or her understanding of previous claims. What are the most prominent issues for the area in which you’re looking?

This can help you spot all kinds of warning signs before you decide to put a bid on that new home. What if the neighborhood has a long history of flood damage?

Home Inspection Reviews

Home inspections are a crucial step when it comes to buying a home. These determine the safety of the structure and what may need to be addressed soon.

Your local insurance agent can take a look at this inspection and use it as a guide into what issues might impact your rates. Things like electrical wiring, foundation cracks, mold detection, or roof damage can cost you quite a bit. In fact, depending on the extent of the damage, the seller might not be able to sell the home until those issues are fixed.

Capacity to Save Money when Buying a Home

Not only can a local insurance agent help you save money by avoiding certain homes, but you might also get discounts on premiums. Some insurers will discount rates if the home has:

smoke alarms
sprinkler systems
security systems
carbon monoxide sensors
energy-efficient appliances
or other disaster-prevention elements

Local Insurance Agents are a Treasure Trove of Information

Never underestimate the value of your local insurance agent. He or she will have a deeper understanding of many aspects you might not consider.

Let Vargas & Vargas Insurance assist in making one of the biggest decisions of your life. Contact us today and we’ll do what we can to make sure you find that perfect home with the affordable coverage you’ll need.

I’m Going On Vacation, How Do I Keep My Condo Safe While I’m Away?

Posted on June 28, 2022July 4, 2022 by agentinsure

As summer vacation approaches, many people enjoy time away from their busy schedules and responsibilities. While relaxing on a beach or touring Europe is exciting, there are some risks associated with being away from home that many people don’t consider until they arrive at their destination.

Leaving your Dorchester, MA condo unattended for even a short period can significantly impact your life and the lives of those around you. Whether visiting a friend or traveling across the country, Vargas & Vargas Insurance is here to help you understand the risks of leaving your condo behind and what you can do to protect your property.

Simple Steps To Protect Your Condo:

Lock the door. It seems like a no-brainer, but you’d be surprised how many people forget to lock their doors. Furthermore, use a deadbolt with a strike plate to make it harder for intruders to break in. Also, lock your windows.
Unplug your electronics. Avoid a potential fire hazard by unplugging your TV, kitchen appliances, and other electronic devices.
Don’t tell everyone you’re leaving. A lot of the time, potential thieves will use social media to find out the details of your travel plans. Please don’t make it easy for them. Tell your friends and family directly, if need be.
Hide your valuables. Don’t leave your valuables in plain sight if you’re on vacation. Store them in a safe place or leave them with a friend or family member.
Be careful with your mail. If you’re going away for a long time, ask someone you trust to check your mail. Letting your mail pile up is a massive sign to burglars that you’re not around.

Even when you take the proper precautions, it’s still possible that you’ll be a victim of a crime or some disastrous event. Contact Vargas & Vargas Insurance can you make sure that you have the right insurance coverage at the right price, Contact us today

How to Handle Insurance When the Kids Go or Come Back from College?

Posted on June 21, 2022June 20, 2022 by cvargas

College is an exciting time for any youth. It’s their first step into the real world while getting an education to help improve their lives. Given the costs of education, the last thing anyone wants to worry about is extra expenses. So, how should you handle your insurance policy when your child is off to further his or her education?

When to Remove Your Child from the Policy

A common rule of thumb is that you should drop your child from your insurance if they are attending a school that is more than 100 miles away. This is because a lot of insurers believe anything closer may prompt the child to come home often and drive.

It may also be a good idea to consider dropping the child if he or she is living on campus. This is because the likelihood of driving decreases, depending on the situation. Also, if your child isn’t planning on taking a vehicle to college, there’s really no reason to insure them.

When Should You Keep Your Child On Your Policy?

Perhaps the obvious reason to keep a child on a policy is if he or she is planning to live at home while attending college. But let’s go a bit further than that.

What if your student travels home frequently? What if it’s a common thing for your child to come home on the weekends? This is why it’s common to keep a child on a policy if the school is within a 100-mile radius.

Lastly, a lot of parents will pay some of the child’s bills to help with college expenses, which often includes insurance. It’s just one less thing the child has to worry about besides school work.

What About Returning Home for Extended Periods, Such as Spring Break?

If your child is planning on coming home for extended periods of time, such as breaks or vacations throughout the year, it’s probably a good idea to add them to your policy again.

Usually, the costs for doing so are nominal. For most insurers, it’s not a difficult process for a short-term policy change during those time-off periods.

Can You Drop the Child to an Occasional Driver?

Some insurance policies give you the option to drop someone to an “occasional” driver. This is usually someone who accounts for less than 25% of the vehicle’s annual mileage.

Now, not all insurers have such options available. Those who do also may have their own definitions about what qualifies as an occasional driver.

In any case, it could decrease how much you pay in premiums depending on your policy. How much it decreases is also dependent on the insurer.

Does Your Child Qualify for a “Good Student” Discount?

Something else you could consider is whether your child can qualify for a “good student” discount. In many instances, this depends on a couple of factors:

Is your child under the age of 25?
Can your child maintain a B average or better?

The better your child does in school, the cheaper the rates. This means you or your child can save money regardless of who pays for the insurance.

However, not all insurers have a “good student” policy available. It’ll be in your best interest to find out if something like this exists. Anything to decrease the monthly bills is going to be a benefit for all involved.

Find the Best Rates for Your College Students

College is a formative point in a child’s life. You want to make sure you or your student doesn’t have to stress too much about auto insurance. Contact us today at Vargas & Vargas Insurance to get a quote that works for you and your family.

We’re happy to further answer any questions you might have about your college student and his or her driving habits.

What Happens if Two People Involved in an Accident Have the Same Insurer?

Posted on June 6, 2022May 30, 2022 by cvargas

When an accident occurs, it is often customary to contact an insurance agent. But what happens when two people in an accident have the same insurance company? Well, it’s often handled the same but with a few minor adjustments.

In the end, it usually falls under who is to blame to pay for damages regardless of his or her insurance company. Having the same insurer doesn’t change the bottom line. However, the insurer may take steps to avoid issues among clients.

No Bias in Decisions

In many cases, the insurance company will assign two different adjusters to the separate claims. They may also make adjustments to the claims to avoid a conflict of interest.

It comes down to legally being required to handle claims in an efficient manner regardless of whether both parties have the same insurer or not. This also means that you can expect claims to take roughly the same amount of time.

In some cases, the insurance company can waive any deductibles should both parties use the same vendor. But that is often on a case-by-case basis and greatly depends on the insurer.

In every case, though, the process should be relatively the same. Simply contact your agent and process the claim as you normally would.

Who is Cited for Blame?

To ensure one party is at fault over another, a police report can be filed. In most cases, the officer will attest to which driver is to blame, which can ultimately change how the claims are processed.

While not every accident may require the assistance of a police officer, it can help things move along smoothly. Otherwise, it could be a painstaking process should neither party admit to being at fault.

In the event of both parties agreeing to be at fault, the insurance company may assign percentages of claims to both parties depending on the damages suffered. This will be up to the insurer and usually based on the total damages of both vehicles.

An example of this is in the event of one driver tailgating another. This is when a driver is following a vehicle much too closely. If the front driver immediately slams on his or her breaks, it could cause a rear-end collision. After an investigation and the officer deems both parties as negligent, then both could be at fault.

Of course, in this scenario, it really depends on why the front driver had to slam on the breaks in the first place.

Not Much Really Changes

In the grand scheme of things, not many changes if both parties have the same insurer. Though, a few minor things may change to avoid a conflict of interest or prevent the feeling of “favoritism.” For instance, what if the same agent handles both clients prior to an accident? That’s when a newly assigned adjuster would assist one of the parties.

But generally speaking, the claims are handled in the same fashion as if two different insurance companies were involved.

At Vargas & Vargas Insurance, you can rest easy knowing that we take a fair stance with all of our clients in the event of an accident. If you need auto insurance, contact us today and let us help protect you and your family.

Find out more about life insurance today!

Posted on May 25, 2022May 25, 2022 by agentinsure

Vargas & Vargas Insurance knows that talking about life insurance can be an uncomfortable experience. We want the greater Dorchester, MA community to turn to us for their life insurance needs. We can help you protect your family and loved ones, no matter what the future may hold.

Learn more about your life insurance options

Having the right life insurance can serve you and your family well. Depending on the type of policy you select, you can enjoy several benefits while still living. In addition o death benefits, some policies provide cash value and growth during the policy’s life, as long as it is kept current and in force.

Term life insurance is often a good idea for anyone looking to cover their burial expenses or other end-of-life costs. These policies are usually affordable and can help ease your family’s pain during the immediate period after your passing. Permanent policies, like whole life, variable, and universal insurance, provide death benefits and offer other features.

If you want to learn more about the life insurance options now available, it makes sense to sit down with a local agent. This can help you make the right decision.

Call today for an appointment.

If you are a resident in the greater Dorchester, MA area, it’s time to get to know the Vargas & Vargas Insurance team. We are here to help you find the right insurance solutions for your needs. Now is a perfect time to sit down with us and learn more about your life insurance options. Our team is ready to help, and we always look forward to working with you. Give us a call today!

When is Your Home Insurance Denied and What Can You Do?

Posted on May 23, 2022May 19, 2022 by cvargas

Home insurance is there to help pick up the pieces in the event of a catastrophe or mishap. From direct damage due to third-party negligence to shielding you from nature’s wrath, being insured is vital. But when can your home insurance get denied by your current carrier? What can you do when you find yourself without proper coverage in the event of an emergency?

The truth of the matter is that there are a lot of things that can cause your carrier to drop you from being insured. It all really centers around the policies and practices of each individual company.

However, there are a few that are almost universal among many carriers. Some of the more common include:

If the house becomes in extreme disrepair
Non-disclosure of damages to, or the result of, the home
Insurance fraud
Non-payment of premiums
Excessive past claims
Missing a filing deadline
Criminal record of certain judgments, such as arson
Certain types of dog breeds

This is by no means a complete list. The problem is that every insurer has its own guidelines to follow when it comes to the home. However, the above problems are common among many companies and something you should consider when your home insurance is denied.

What about being denied specific claims from your insurer? In many cases, this happens because of a lack of specific coverage. For instance, earthquake and flood protection often require their own insurance plans separate from the home.

Some insurers will still cover you even if you’ve experienced any of the above. However, the premiums you’ll have to pay are usually quite higher. This is because you’ve been established as “high risk.”

If someone or the property is deemed as a high risk, this means that there is a greater chance of the insurer losing money due to damages.

What Can You Do When Home Insurance is Denied?

You could always appeal to the insurance company and plead your case. In some instances, this may prove beneficial, especially if you’ve invested in preemptive measures.

For example, taking the time to make sure the home is up to code and in good condition after a denial may change the mind of an insurer. Especially if you can reinforce the validity of the repairs by having the home inspected.

Your local independent insurance agent is the best way to appeal your case as they have a relationship with the insurance company.

Another thing you can do is spend time looking for an insurer who’ll cover your home. As I said, every insurer is different and some may be willing to overlook specific issues. But that’s when your payments may increase due to being a high risk, as mentioned above.

Bear in mind that the very reason why one insurer dropped or denied you could be why it’ll be difficult to find another. At least not without addressing why you were denied in the first place.

Never Give Up, Proper Protection is Worth the Effort

If you’ve been denied in the past for home coverage, give us a call at Vargas & Vargas Insurance. Contact us today to see if we can help you get the coverage you need to protect your investment as well as your family.

In the worst-case scenario, you don’t want to face disasters and accidents alone. We are able to give you some peace of mind by finding the insurance coverage that you require.

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