A Brief Guide to Classic Car Insurance

If you have been thinking about buying a classic car in Dorchester, MA, you will want to ensure you are familiar with classic car insurance requirements and differences when compared to standard insurance. Vargas & Vargas Insurance shares some information you need to know.

What Are the Eligibility Requirements?

Most auto insurance companies will have a set of eligibility requirements for a classic car insurance policy. It is not generally required for your classic car to meet a minimum value, but it is usually required for your classic car to be of higher value now than when it first came out on the market. Further, your car should be at least 10 years old in order to qualify for classic car insurance.

The condition of your antique car will also be taken into consideration. It needs to be currently running (or close to it) and be in good condition overall. You will also be required to keep your vehicle stored in a secured indoor environment. Mileage will also need to stay low with a possible maximum number of miles being permitted.

How Is a Classic Car Insurance Policy Different Than the Standard Policy?

With both forms of auto coverage, you are protected while on the road with collision, comprehensive, and liability offerings. With classic car insurance, though, the policy is focused more on the particular needs of an antique vehicle. As the value amount of your classic car increases, you can make adjustments to your insurance policy. A classic insurance policy will also take into consideration the fact that it will cost more to repair or replace your vehicle if involved in an accident.  

If you are interested in classic car insurance in Dorchester, MA, contact the team at Vargas & Vargas Insurance for a quote.

Insurance Check-Up

Insurance Check-Up

Life Changes and it’s Time for an Insurance Checkup

Having insurance policies is vital to gain great security and protection from unexpected problems. Ensuring everything in your life at an early stage is also a great idea.

While getting yourself and your house, vehicle, and assets insured is vital, you also need an insurance checkup to review your policies yearly. This allows you to ensure that the insurance coverage will be of help to you when your circumstances and lifestyle change. But if your insurance doesn’t cover you as it should, you need to make some changes to the policies or, even purchase new policies to cover your changing needs.

Here are some reasons why you need to opt for an insurance checkup.

Change in Family Status

Are you planning to get married or expect a baby? It would help protect your growing family by purchasing the right insurance plan. Insurance checkups will allow you to ensure whether the coverage is enough to support your entire family when you are not around. The loss of a family member through disability and death is also the right time for an insurance plan review.

Remodeling or Moving Your House

If you plan to remodel your house, your house value will surely increase. Similarly, if you move from the house, you might own a property with a higher value than the one you have before. Since your assets have increased, you need an insurance plan that covers these assets.

Retirement Time

When you decide to retire, you need something to rely on for your future expenses, especially final expenses, it’s vital to choose the right insurance plans to protect you properly. It would also be helpful if you had the proper insurance that will pay for your funeral, medical care, and debts.

Chance in Assets Value

Many people insure their jewelry and other assets to get the money if they get damaged or lost. But they forget the fact that these valuable assets increase over time. By keeping the coverage updated regularly for these valuable assets, you are protected in the event you lose them or they are stolen.

Discounts

Many insurance companies offer discounts on different insurance plans. This way, you can purchase the right insurance plans at much lower prices. So, if you have not received your discounts, it’s time to have an insurance checkup.

Bottom Line

Whether it’s life, house, vehicle, or assets insurance, insurance is not something that you purchase and forget. You need to always look for ways to lower your premiums and avail optimal benefits from your policy. For this purpose, you need to opt for an insurance checkup.

Missing Coverage

If you have any assets at all, an umbrella policy is a valuable protection. Home insurance and car insurance policies have liability limits that are often not high enough to protect you adequately. If you are found to be at fault beyond your liability limits, you may be required to pay the remainder of the money out of pocket. It could take all of your savings and assets and even your future assets to make that payment.

This will help you look for flaws in your insurance and allow you to get the features that you don’t have. Not only this but practicing this method can help you lower your premiums and get interesting discounts and offer. So, if you currently have any insurance, consider reviewing it.

At Vargas & Vargas Insurance, our clients enjoy customized insurance coverage to match their unique needs at incredibly affordable prices. Contact us today for a free insurance review or quote.

Winter Driving And Car Accidents

Winter is a good and delightful time of the year. It brings snow to make a cute snowman and enjoy a snowball fight with our friends and family. However, these attractive aspects can make winters dangerous for drivers. As the days get colder, the risk of road accidents increases. Therefore, taking precautionary measures and driving with complete focus is important to save your life. The NHTSA mentions many tips on their website, and here are some tips and tricks to drive your vehicle during cold weather safely.

Winter Driving Tips

Drive Slowly and Super Smoothly

The trick to safe winter driving in snow is being smooth with your accelerator, steering wheel, and brakes. Every push of the brakes, turn off the wheels, or throttle movement needs to be gentle, deliberate, and gradual. It would help if you tried to be as slow as you could while driving the car.

Avoid Involving in Distractions

Most accidents happen when the driver is distracted doing other things while driving. Therefore, avoid talking to the passengers when driving in extremely cold weather, never use your phone, eat food, or listen to music at high volume. You need to avoid every type of distraction if you want to avoid an accident.

Turn On Your Lights

Turning your lights on will help other drivers on the road to see you from far. Headlights can also make your vehicle visible on extreme fog days. This way, whenever other drivers notice you on the road, they will drive carefully around you.

Avoid Driving in Harsh Weather

This is another very important winter driving tip. Driving in winters can be extremely challenging. So, if you find yourself not having to drive in dangerous weather conditions, don’t push yourself to drive in these circumstances. Cancel your journey as soon as possible and head back to your house. If the weather is too harsh to get back to the house, go to the nearest place to relax until the condition becomes appropriate for driving.

Do You Need to Report Accidents?

Many people don’t report accidents if they are not serious. But this is a wrong approach. Not only do you reduce your chances of getting insurance coverage, but you can also save others. Wondering how? Well, report accidents to the authorities in your area to find ways to solve the problem. They first try to find the cause of your accident and then opt for different ways to resolve the issue. So, even if you had a bad experience, you can save others from going through the same trauma.

Wrapping Up

Besides the mentioned winter driving tips, you also need to install high-quality tires in your vehicle. It’s also vital to check the weather conditions before stepping out of your house. If you can, keep some important things on you while traveling long distances at night. This includes extra batteries, a torch, water bottles, and snacks. So, if you have to spend the night in your car on the roadside, you will have all the essentials to pass the night. Click here to read more.

Vargas & Vargas Insurance understands that sometimes you may not be able to stay off the roads and things happen. That’s why, as a premier local independent insurance agency, we strive to build the relationships necessary to customize your insurance coverage to your needs at the right price. Contact us today.

Preventing Frozen Pipes at Your Home and Office

Cold temperatures can mean frozen pipes and finding solutions to prevent bursting pipes and flooding of your home are very important. Water will expand in the freezing environment, while metal pipes get a contract in colder days. Since the water in the pipe responds to winters oppositely, this causes pipes to damage or burst.

Here we have mentioned some simple and accessible tips that you can use to prevent this problem in your home and offices.

Add Insulation to Different places

Adding insulation to basements, attics, and crawl spaces will help you get higher temperatures in these areas. Not only will this help you live comfortably in your house, but it also keeps your pipes in these spaces from freezing. 

Close Garage Doors

Most people keep their garage door open while doing a different task. However, this can lead to great problems if you have a water supply in this area. The cold and freezing air can reach the pipes and cause them to freeze. Closing all the passages for wind can help you maintain a warm environment around the pipes.

Allow Water to Drip from Faucet

You need to keep open one or two faucets in your house or office throughout the winter weather. Running water through the pipe prevents water from freezing by staying in one position. Of course, you don’t need to open the faucets, allowing faucets to trickle completely will do the trick.

Seal Leaks

Hire an expert to identify air leaks in your house and office, especially near the pipes. Ask the experts to use different methods to seal leaks around the windows, doors, and electrical wiring. You can also use insulation or caulk to keep the cold air out of your personal space.

Open Cabinet Doors

This might look like a bizarre idea, but it can help you save yourself from great troubles. Keeping your cabinets open in winter will allow heat to get to the pipes present in your walls. This technique is more important for pipes under appliances and sinks that have more risk of bursting.

Drain Outside Water Lines

Water lines in uninstalled or unheated areas have more risk of freezing. Since the outside pipes and water lines are more exposed to freezing weather, you need to drain them before winter. So, prepare your water lines and empty them before winter.

Drain Water from Swimming Pool

Water in a swimming pool can get frozen, which can freeze other pipes connected to a swimming pool. Draining water from your house or office pool will save your pipes from getting affected by the freezing wind. Make sure to do this task before winter knocks on your door.

Wrapping Up

 Frozen pipes can ruin your day, as it can lead to costly repairs. Not to mention, bursting frozen pipes also waste your time and effort that you can use for some productive work. So, it’s vital to prepare your water lines for this problem, rather than getting into trouble. For this, you can keep your cabinets open and the garage door close to maintain a warm temperature. Also, you can seal leaks and insulate different spaces in your office and home.

Protect Your Property with Vargas & Vargas Insurance

At Vargas & Vargas Insurance, we offer top-rated insurance services that will help you keep your property safe and protected. Should you suffer a frozen pipe that you need help with, we are but a call, text, or email away. All our clients enjoy customized insurance coverage to match their unique needs, and we offer affordable prices. Contact us today for a free quote.