Vargas & Vargas Insurance

1133 Washington St
Dorchester, MA 02124

 Get Directions

Prepare For “Back to School” Early

Prepare for back to school early

Boston public school students have less than a month left until they return to school, so it’s time that we started posting tips for parents and children that are preparing for education to resume. In this blog post, we will cover four ways that you can help your child adjust to the idea of going back to school. Follow these tips and your child’s transition to the new school year will go smoothly.

Adjusting the Body Clock

One of the hardest things to do in preparation for sending kids back to school is preparing them for the early morning wake-ups. Instead of waiting until the last minute to adjust their body clocks, start a couple of weeks before the first day of school. That will give you plenty of time to gradually ease them back into an appropriate schedule.

Experts recommend having your child get up at a time that allows plenty of time to get ready for school in the morning, with some extra time allotted for finding homework and lost socks. Have your child adopt this new rising time immediately, while simultaneously moving their bed time back 20 or 30 minutes every few days. Begin this now, and your child will be on the right schedule before the first day of school.

Preparing a Workspace

It has been proven that people (both adults and children) have better focus if they are in a place that is associated with work. Pick one spot in your home where your child will do their work, and explain to them that this is their ‘work space.’ Have them try it out in the summer while doing summer assignments like math packets or reading assignments. Then continue the practice throughout the year with homework and study time. Make sure that there are no distractions allowed in this area – keep the television off and only allow productive computer work if it is necessary.

Shopping for Necessities

This year, there will be a tax free weekend in Massachusetts on August 15th and 16th. If you want to pay less for your children’s school supplies and clothing, prepare for the crowds and enjoy the savings. Otherwise, be on the lookout for other local retailers – many will offer Back to School sales in the coming weeks in an effort to attract shoppers.

Also be a smart shopper in the first few weeks of the school year by stocking up on heavily discounted items that are left after the Back to School deals. Your kids will need refills of school supplies throughout the year, so stock up now! Also remember that dorm room items are a hot item right now, and those will also go on sale soon.

Dealing with Resistance

It’s natural for a child to resist going back to school. How you deal with it should depend on the reason why the child is struggling. Initiate a conversation and investigate your child’s reasons – Are they enjoying summer too much, or are they experiencing social anxiety? Are they simply succumbing to the ‘school isn’t cool’ mentality of older children? Are they nervous about falling behind in their studies? Gently prod to discover their deeper concerns and address them individually.

Keep an eye out here on the Vargas and Vargas Insurance Blog and on our Facebook Page for more articles and tips about going back to school, and comment with your ideas for Back to School posts. Also remember to call 617-298-0655 for all of your Massachusetts insurance needs!

Read More

Save Money on Your Next Vacation

Save Money on Your Next Vacation

Spending time with your loved ones on a vacation is a great way to bond and create memories. There is only one problem, though – vacations can be expensive! Instead of breaking the bank the next time you book a vacation, do your research and take advantage of all of the money saving tips that you can find.

Here at Vargas and Vargas Insurance Agency, we love saving you money on your Massachusetts insurance policies. In this post we want to help you save money on your next vacation, too! We have compiled several tips that you can use to save money on your next trip:

  • Go somewhere off the beaten path. Tourist destinations like Las Vegas and New York City are always more expensive than less visited destinations.
  • If you’re interested in seeing more than one city on your vacation, think about booking a cruise – you’ll see several places but only unpack once!
  • Travel during peak days (like on weekends) tends to be more expensive than travel on days in the middle of the week. If your plans are flexible, schedule your vacation so that you travel on Tuesdays and Wednesdays – these are typically the least expensive days of the week for airfare.
  • Also be flexible with the time of year that you plan your vacation. Long weekends are both more expensive and more crowded at most destinations. Instead, plan a trip when there will likely be fewer crowds, and less demand for travel and lodging.
  • Take advantage of membership perks. Some businesses offer discounts to members of certain groups. Ask about travel deals, especially if you are a member of the military or AAA. Also consider seeing if any of your credit cards offer rewards for travel purchases.
  • Food is often one of the biggest expenses of a trip. Cut down on food costs by staying in a hotel with a kitchenette and cook a few meals yourself. Even if you skip going out for breakfast in favor of a bowl of cereal, you will be shocked at how much you can save. If you do opt to go out for a meal, make it lunch, which is often much less expensive than dinner, but with a similar menu.
  • Plan activities during your trip that are either cheap or free. Tour the local city park or beach, see if there are any free museums, get a tour of the city from a friend that lives locally – there are plenty of options.
  • Invest in travel insurance for your trip. While you will need to purchase the policy, the cost is well worth the value. If you need to cancel your trip for any of the covered reasons, you will be reimbursed for the cost of your vacation instead of having to take a substantial loss.

Stay tuned to the Vargas and Vargas Insurance Blog for more tips on how to save money. And remember to call us any time that you have an insurance question or if you need an insurance review. One quick call to 617-298-0655 will put you in touch with a Vargas and Vargas Insurance Agent who will help you with all of your Massachusetts insurance policy needs.

Read More

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!

Read More

What to Do If You Have an Accident at Work

What to Do If You Have An Accident At Work

If there’s one rule in life, it’s that accidents happen, and they can happen anywhere. Whether you work a physically demanding job, or sit in a cubicle from 9-5, there is always a possibility that you could have an accident at your workplace. If an accident occurs, there are a few major steps that you should take in order to protect yourself:

Fill Out an Accident Report

No matter how trivial an accident may seem, you should always fill out an accident report, even if you don’t think you are injured. Most workers compensation insurance policies have a very short window after the accident in which an accident report must be filed, so filing an accident report regardless of the severity of the accident will protect you in case any injuries manifest in a few days as a result of the accident.

Reporting the accident to your workplace will also allow the business to take measures to ensure that an accident like yours does not happen again to another employee, so fill out an accident report for the safety of your coworkers.

See a Doctor

Again, regardless of the severity of your accident, you should take the initiative to see a medical professional. If your injury is serious, you need to go to the emergency room for treatment. Otherwise, ask the appropriate party at your workplace if there is a specific doctor you need to see or if you can go to a doctor of your choosing. Have the doctor that you see perform a full evaluation, and ask what you should look out for, and what physical symptoms would indicate an injury.

Report all Injuries ASAP

There is always a chance that an injury won’t manifest immediately when you have an accident. Because of this, you need to be vigilant in paying attention to your body for several days after an accident. If you do discover an injury after the fact, report it to your employer immediately, and speak to a medical professional to get treatment.

Inquire About Workers Comp Coverage

Whether you report an injury immediately after an accident or after some time has passed, your employer should file a workers compensation insurance claim with their insurance provider on your behalf. Ask the person at your workplace to keep you updated on the status of your claim, and stay on top of the claims process.

If you run into any issues with your claim or anywhere in the process, you may want to contact a lawyer that is experienced with workers compensation claims. They will be able to fill you in on what you can expect from the claim, and make sure that you receive the appropriate benefits.

Businesses that are looking for business insurance or workers compensation coverage should contact Vargas and Vargas Insurance Agency at 617-298-0655. We are a premier provider of Massachusetts business insurance policies, and can get a business great coverage at a great price.

Read More

How to Get the Best Renters Insurance

How To Get the Best Renters Insurance

If you rent the place that you live, then you need to make sure that you have excellent coverage for all of your belongings, as well as liability protection in case of an accident. You can do this by ensuring that you have the best renters insurance possible for your condo, apartment, or other rental property.

Thankfully, here at Vargas and Vargas Insurance Agency we have Massachusetts renter’s insurance agents at the ready that can help you do the two things that you need to do for the best Massachusetts renters insurance – get great coverage at a great price! See the breakdown below to find out exactly what you can expect with a renters insurance quote from Vargas and Vargas Insurance Agency:

Get Great Coverage…

A renters insurance policy is unique – it is similar to a home insurance policy, but doesn’t provide coverage for the dwelling itself (that is your landlord’s responsibility, so make sure that they have rental property insurance). Renters insurance has two major parts – coverage for your possessions in the event of a loss like a fire, and liability coverage in case someone is injured while in your residence.

If anything were to happen to your belongings or a visitor, your renters insurance will help to ensure that you’re not financially responsible for replacing your items or paying legal or medical bills. This peace of mind is priceless, so make sure that your renters insurance has enough coverage for any potentially harmful situation.

…At a Low Price!

It’s important to have comprehensive renters insurance coverage, but no one wants to pay too much for it! Here at Vargas and Vargas Insurance Agency, we work hard so that our clients can get great coverage at a low price. We know several discounts for which you may be eligible, and we will do everything in our power to get as many discounts as possible for you.

Some of the discounts that we offer (depending on the insurance provider that you choose) are: claim free discounts, paperless discounts, auto-pay and pay-in-full discounts, protective device and safety discounts, and much more.

Shop Independent Insurance Agencies

One thing that you can do to ensure that you get the best renters insurance possible is to get your insurance through an independent insurance agency like Vargas and Vargas Insurance. Talk to one of our agents and we will get several insurance quotes for you from many insurance providers – this way you can consider several policies side-by-side in order to determine which policy option is the best for you – for renters insurance, auto insurance, health insurance, and much more.

So, does your current renters insurance policy meet all of your needs? If you want a renters insurance quote or a review of your current renters insurance policy, just call Vargas and Vargas Insurance Agency at 617-298-0655. We can help you ensure that you have the best renters insurance possible! Our office hours are Monday through Friday from 8:30 am until 5:30 pm.

Read More

Servicing States

  • Massachusetts


More Testimonials

Partner Carriers

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