Three Mistakes to Avoid When You Purchase Motorcycle Insurance

Your motorcycle insurance will protect you and everyone else on the road from the financial consequences of an accident. You need to make sure that you choose the right policy to get the insurance coverage you need at a price you can afford.

Vargas & Vargas Insurance in Dorchester, MA wants to help you find the motorcycle policy that fits your lifestyle. The following are three mistakes to avoid when you purchase motorcycle insurance to make sure you get the ideal policy:

1. Not specifying that a motorcycle is only a recreational vehicle

Some bikers use their motorcycle to make an everyday commute to work. Others are merely recreational riders who might go for a ride on the weekend or only a few times a month.

Make sure you opt for recreational coverage if you’re not using your bike every day. This can save you money on coverage without detracting from the amount of coverage you’re going to get.

2. Buying a bike without considering the costs of insuring it

The costs for insuring particular bike models can widely vary. You should factor the cost of insurance into the decision of making a bike purchase. A higher end or faster bike will more than likely result in higher insurance costs.

3. Purchasing separate motorcycle insurance without first looking into the possibility of a motorcycle endorsement

If you have a car or another type of vehicle, you may be able to add a motorcycle endorsement to your policy so that it will cover both your vehicle and your motorcycle. Bundling insurance is a popular choice if you have all your policies under one insurance agency.

Find the right motorcycle policy in Dorchester, MA with the help of Vargas & Vargas Insurance. Our agents are waiting to answer your questions and are ready to help you start a policy.

Historic Vehicle License Plates for Classic Cars

At Vargas and Vargas Insurance Agency, we love seeing classic cars on the road. It takes us back to a simpler time. Did you know that classic cars can have special license plates in the state of Massachusetts? Here are the two specialty plates that you can request for your antique vehicle:

Antique Plates – These plates may only be used for vehicles that are over 25 years old. In addition, the vehicle must be used only for exhibitions, car club events, and similar activities. The total cost of this plate is $50 annually – this will increase to $80 annually if your antique plate is personalized.

Year of Manufacture (YOM) Plates – To keep your car as original as possible, the state of Massachusetts will allow you to use license plates from the vehicle’s year of manufacture. The vehicle must be over 25 years old, and must have passed a state inspection. In addition, you will be required to acquire authentic Massachusetts license plated issued in the model year of your vehicle. The plates must be in good condition, and may be no more than six characters. The fee for using Year of Manufacture Plates is $50 annually.

If you’re interested in finding out more on how to get a specialty plate for your classic car, see the Applying for Specialty License Plates page on dmv.org.

We want to make sure the classic cars in the Greater Boston area are properly looked after, and protected. That’s why we offer top-notch classic car insurance for our clients. For a free insurance quote on a policy that will protect your classic car, just call 617-298-0655 and speak to a Vargas and Vargas Insurance agent.

How to Get the Best Black Friday Deals

When the feasting is over, and Thanksgiving is done, it will be time to gear up for deals – that is, if you’re a Black Friday shopper. Unless you’ve been living under a rock for a few dozen years, you know what Black Friday is: a day of savings and often a great opportunity for bargain shopping.

Here’s the secret to getting the most out of Black Friday – it’s all about planning ahead.

Gather the advertisements for stores that you are interested in, and see when their sales start, and whether they are available online or in-store only. In recent years, some stores have been starting sales on Thanksgiving night, while others wait until bright and early on Friday morning. If you want to snag more than one big deal, you may need to recruit a friend or loved one so that you can divide and conquer once the shopping madness begins.

Make sure that you don’t get lured in by a fantastic sounding deal. Just remember, “If it sounds too good to be true, it probably is.” Retailers want to sell as much as they can, so they sometimes make inferior products sound like a good buy, so check the specs of electronics before you make a purchase.

Don’t forget to increase your savings with coupons, memberships, and savings apps. Every little bit of money that you save now will mean more that you can spend during the holiday season!

And remember – you don’t have to wait until Black Friday to save on your Massachusetts insurance policies. Vargas and Vargas Insurance Agency always has great deals on home insurance, auto insurance, business insurance, and all of our other products. Just call 617-298-0655 for a free quote.

Make Your Thanksgiving a Breeze

It is hard to believe that it’s already November! The Holiday Season is quickly approaching, and that can only mean one thing: Thanksgiving is right around the corner. If you’re planning on hosting Thanksgiving dinner for your friends and family, use these tips to keep things stress-free and running smoothly:

  • Start with a calendar – Print out a blank calendar for the week leading up to Thanksgiving. You can use it to plan out when you will be shopping, decorating, preparing for company, and doing your preparation. And don’t forget to figure out when to take the turkey out of the freezer if you’re using a frozen bird!
  • Start shopping early – You probably have an idea of what you will make ahead of time, so don’t wait to start buying the nonperishables that you will need for the day. It will save you a lot of hassle (and cart space) when you make your big holiday trip to the store.
  • Do everything you can ahead of time – You will have enough on your (both proverbial and literal) plate on Thanksgiving Day, so make sure that you do all that you can in advance. This includes make-ahead dishes like pies, but can also include tasks like setting the table. Before you go to bed, make sure that the dishwasher and trash cans are empty – they’ll need to be ready for heavy use on Thanksgiving!

One more thing that you can do to get ready for the big day is to call your insurance agent and ask them for a home insurance review. It will give you peace of mind to know that you are protected during the holiday season, and all you have to do is call 617-298-0655.

Tips for Filing a Condo Insurance Claim

Condominiums are a great alternative for homeowners. With a Massachusetts condominium, you get perks of homeownership and perks of apartment living in one place.

When there is an issue, however, you need to know which policy covers the damage. This will tell you who must file the claim – you, the unit owner, or the condo association. Here is a quick breakdown of what each policy typically covers.

Master Insurance Policy – Often considered “walls-out” coverage, a condo association’s master policy often covers the walls of their buildings, as well as common areas. They may have liability insurance in case an accident occurs in a common area. There is often additional Directors and Officers Liability coverage built in to the policy.

Unit Owner’s Coverage – Insurance for condo unit owners often covers everything inside the walls. This includes personal property, fixtures, appliances, and more. Sometimes unit owners will also need to insure carpeting and cabinets as well. In addition, it is always advisable to have liability insurance – just in case an accident occurs inside the unit.

While this is typically how the coverage falls, each condominium association will have their own unique policy, and the verbiage in that policy will affect your Unit Owner’s policy. To know for sure who is responsible for damages, call your insurance provider.

And if you need a Massachusetts condo insurance policy, just call our agency at 617-298-0655. We are experienced at writing both master insurance policies and unit owner’s coverage, so we are ready to take care of your needs, no matter how big or small they may be. Call today!

November is Diabetes Awareness Month

Did you know that November is American Diabetes Month? Diabetes is a group of diseases indicated by insulin deficiencies or improper reactions to insulin in the body, and result in having too much sugar in the blood. More than 30 million Americans have diabetes, and many more will develop the condition in their lifetime.

Thankfully, there are a few things that you can do to lessen the likelihood of being affected by type 2 diabetes:

  • Make healthier choices when you eat. Incorporate more fruits and vegetables in your diet, and cut back on foods high in fat and added sugar. Also decrease your calorie consumption by having smaller portions.
  • Take small steps to be more physically active. Go for short walks a few times every week, and take the stairs instead of the elevator. Your goal should be to get at least 30 minutes of exercise five days of the week.
  • Maintain a healthy weight (find your ideal weight with BMI calculations).
  • Quit smoking.

If you take just a few of these steps, you will notice your overall health improve. Your cholesterol, blood pressure, and blood glucose should be better, and you will be at a much lower risk for developing type 2 diabetes, as well as heart disease and stroke.

Another very important part of making sure that you stay healthy is seeing your doctor regularly. Make sure that you encourage your family and friends to use their Massachusetts health insurance policies to see their primary care physician regularly, as catching symptoms of diabetes early is crucial. For more health insurance information, call Vargas and Vargas Insurance Agency at 617-298-0655.

Home Insurance: Should You File a Claim?

Imagine this: your home is affected by a fire or a flood. No one wants this to happen, but there is always the chance that it will, and you need to be ready just in case that it happens to you. Chances are you would be in financial trouble if your home were destroyed if it wasn’t for your home insurance policy.

Thankfully, massive claims due to fires, floods, and other major disasters are few and far between. Smaller claims are much more common for Boston home insurance policies. But how do you know when it’s worth filing an insurance claim, and when to cover the damage yourself?

There are two major factors that affect whether you should file an insurance claim: your deductible and the number of previous claims on your policy. Deductibles are different for every policy, and can vary quite a bit. If the cost to fix your damage is less than your deductible amount, there is no reason to file a claim. If your deductible is less than the damages, you need to weigh the amount of money you would receive vs. the cost of filing the claim. After all, having a claim on your policy may raise your premium in the future.

Your home is a very valuable asset. Here at Vargas and Vargas Insurance, we would hate to see something happen to it without the right protection. That’s why we offer top of the line Massachusetts home insurance policies for all of our clients. For a free quote, just call 617-298-0655 and speak with one of our agents.

The one skill more important to business pros than sales.

I hope that you had a fantastic weekend! As you know, I like to start every week with some words of wisdom:

“The thing that people don’t realize is you want to teach people how to fix things without paying you for it because that builds up leverage, you give up a sale in the beginning, but you get all the sales in the end.”

Gary Vaynerchuk

Over the next five years, there is one skill undeniably more important to the success of all business professionals than sales. Unfortunately, most are not putting in the hard work to improve this skill. That’s where the opportunity lies for us!

What is this important skill, you ask? It’s building relationships. You need to build relationships today to stand out 5, 10, and 20 years from now. Most businesspeople aren’t doing this today, and the writing’s on the wall for them.

We operate in a marketplace where attention rules all, and those who can attract (and keep) the attention win the game. If you are not doing the work today that sets you up to succeed, you will not be able to compete. There will come a day when what you do and offer in the marketplace may be better and cheaper, but it will be as if you don’t exist because you have not built the relationships to get and keep their attention.

If you look at the money being poured into ads everywhere by the big boys – Trulia, Zillow, Rocket Mortgage, and Morgan & Morgan, for example – the money they are spending doesn’t pan out.  They can’t be local like you and me.  It’s not the consumer’s fault that they think that they believe the ‘big boys’ – instead, it’s an opportunity for us to educate them.

I am a believer in content marketing, telling your story, being the local and value provider, and giving without expectation of a return. I truly believe that the organizations that will be in business in the next 5, 10, and 20 years are the ones who are laying the groundwork today.

What does that look like? It means getting your customers’ emails and cell phone numbers. I work with some business people who still do not have their customers’ information! There is no way to compete in a world where your competitors have your customers’ email addresses and cell phone numbers and you don’t.

If you want to stay relevant for the next several years, you had better change your way of doing business. You need to put the content out there in all the ways that your customers are consuming it – video, blogs, Facebook, Twitter, Instagram, etc.

If you don’t like to be in front of the camera, find someone who does. If you don’t like to write, find someone who does (hit reply now and I can connect you with my copy editor, she is amazing and an asset to my business).

“There has never been a time in history to attract attention was so valuable.” –Ryan Hanley

Your story needs to be told whether you are a big huge brand or a mom and pop shop, and no one can tell your story like you can. Your ability to tell your story is as important as your ability to sell your products and service. It’s the only way that you will attract the attention to do business in the new digital marketplace.

In today’s world, ‘losing’ means taking the time to perfect the customer experience. It means thinking about the way people answer your phone. It means making less cold calls and writing blog posts or creating bitesize videos about the questions you hear every day.

The truth is that I don’t know where this is all headed, what I do know is this:

“There is a connected generation and an unconnected generation, every day that goes by the connected generation expands and the unconnected generation shrinks, who are you going to bet your future on?”

Make the conscious decision to tell your story and connect with the expanding consumer group. How will you connect? Podcasts, blogs, video? I don’t know, but taking the time today to start building your brand now is what will help you succeed in the upcoming years and even decades. Attention wins the game, and I want you to come along for this ride. Lose today so we can all win tomorrow.

I will leave you with this final quote:

“If you’re not putting relevant content in relevant places, you don’t exist.” –Gary Vaynerchuk
I implore you to heed this advice. You can thank me five years from now.

Have a question? Need help? Leave a message below and I will work your question into a future message.

Know that you are loved!

C