Vargas & Vargas Insurance

1133 Washington St
Dorchester, MA 02124

 Get Directions

Massachusetts Traffic Safety Initiatives

 

We are all so lucky to live in the great state of Massachusetts. But I think there’s one other thing we can all agree on – traffic is sometimes (if not often) a mess. If you’ve ever encountered a traffic jam and thought you may never make it to your destination – fear not… you’re not alone. Thankfully, there are many traffic programs here in Massachusetts that are aimed at making the roads better for all drivers. Here are three examples of these traffic safety initiatives:

Click It or Ticket

Did you know that the national average for seatbelt use is 90%? However, Massachusetts has one of the worst seatbelt use cases – 78%. In order to raise the state’s seatbelt use to be closer to the national average, the Highway Safety Division has been using the Click It or Ticket campaign since 2002. It has worked wonders, and has greatly increased seatbelt use and the number of serious injuries and fatalities associated with vehicle accidents.

Drive Sober or Get Pulled Over

In 2014, 40% of Massachusetts traffic deaths were a result of impaired driving. In order to lower the number of intoxicated drivers, Massachusetts began the “Drive Sober or Get Pulled Over” education and enforcement campaign, targeted at men aged 21-34 – the most likely group to drink and drive.

Move Over Law

First responders and police officers are hurt and killed every year while providing aid in emergency situations. In 2009, the state of Massachusetts aimed to keep these people safe by implementing the “Move Over Law,” which requires drivers to move into the next available lane (or, if no other lane exists, to reduce their speed) when emergency vehicles or personnel are present.

For more traffic safety tips, make sure that you follow the Vargas and Vargas Insurance blog. We love to post articles that will help to keep you and your loved ones safe while out on the road. And the next time you’re looking for a fair and honest auto insurance review, call our agency at 617-298-0655. We can help you save money while ensuring that you and your vehicle are protected in case of an accident

Read More

How to Get Better Gas Mileage

Have you ever looked at your car’s gas gauge only to realize that it’s time for another fill-up? That glum feeling of needing to refuel doesn’t happen to just you – many people think that they spend more than they should on gas. If you’re looking to get the most of your fill-ups, use these tips:

  • Take more efficient trips – instead of going out several times in a week to run errands, try to combine your trips so that you’re travelling fewer miles and using less gasoline.
  • Maintain proper tire inflation – your car will be able to use its fuel more efficiently if its tires are inflated to the manufacturer’s recommended PSI.
  • Keep your car tuned – engine tune-ups can ensure that your car runs at its best and therefore uses less fuel.
  • Don’t carry excess weight – every extra few pounds in your car will mean your car uses more gas to accelerate and maintain speed, so decluttering your car could save more than your sanity.
  • Use good driving habits – aggressive driving has been proven to waste gasoline. This means that defensive drivers could spend less at the pump. In addition, avoiding rapid acceleration and not speeding can further improve your gas mileage.

To save even more, call Vargas and Vargas Insurance Agency for an auto insurance review! One quick and painless call to 617-298-0655 could save you money on your Massachusetts car insurance premiums. We will also check to ensure that you are getting all of the discounts that you deserve. Don’t put it off any longer – call now!

Read More

Flooding: What to Do Before, During, and After

You never know when a flood will strike. Hurricanes often bring flooding, and flash floods can happen at any time. Make sure that you’re prepared for the chance of a sudden flood, know how to stay safe during the event, and know how to deal with the fallout of a flood with these tips:

  • Before – Make sure that you have a well-stocked emergency kit and a family disaster plan. When a flood is forecast, keep up with the weather news. If you have time, you may choose to move valuables and hazardous materials to higher levels of your home, and disconnect electrical appliances (but only do this if it is safe!). Depending on the severity of the forecasted flooding, you may want to evacuate the area.
  • During – Continue to monitor news about the flood. Once the flooding starts, don’t travel unless you have to, and never drive on flooded roads. If you are advised to evacuate, do so in a safe and timely manner. In short, find high ground and stay there until you are told by officials that it is safe to leave.
  • After – Do not enter any building that is still flooded. If necessary, have your home checked for structural damage by a professional before you enter. Homes that have been affected by floods are sometimes unsafe – when in doubt, ask for professional assistance. Make sure that you call your Massachusetts insurance provider right away to start the claim process.

You may be surprised to learn that your Massachusetts home insurance, condo insurance, or renter’s insurance doesn’t cover flooding. For that, you need a special flood insurance policy or rider. Call Vargas and Vargas Insurance at 617-298-0655 today to find out how affordable this critical coverage is

Read More

How to Make the Most of an Afternoon Nap

It is truly unfortunate that napping is associated with laziness in today’s society. In truth, there are many benefits to polyphasic sleep, including lower stress levels and increased mood. Whether you need an emergency nap on a busy day, or you make it a point to get a snooze in every day, ensure that you get the most out of your afternoon siesta with the following tips:

  • Limit your nap to 20-30 minutes. This length has been proven to increase alertness without inducing grogginess or sleep inertia.
  • Choose your environment wisely – a nap while riding the T will never be as restful as one on a quiet couch or bed.
  • If you have trouble falling asleep for a nap, try using meditation techniques like breathing exercises to calm your mind.
  • Combine the benefits of napping and caffeine by having a coffee right before a short nap. When you wake up, you should be feeling the effects of both for a double boost!
  • Lavender is a scent that naturally lowers heart rate and blood pressure, so it can help you relax before you attempt to drift off.

Once you awaken from your nap, you will be more alert and ready to take on any task. Similarly, here at Vargas and Vargas Insurance Agency we are ready to help you with all of your insurance needs! Call 617-298-0655 to speak to one of our agents about a free and no-obligation review of all of your insurance policies – we can make sure that you are fully covered and that you’re not overpaying for your policies. Sweet dreams!

Read More

Low Cost Marketing Ideas for Your Small Business

One of the most-asked questions from small business owners is this: How do I market my business without spending a fortune? Thankfully, there are lots of potential customers out there for you, you just have to know how to find them. Here are a few tips for getting the word out about what you offer without breaking the bank:

  • Word-of-Mouth advertising is free! Just ask your customers if they are happy with the service that you provided and ask them to let their friends, family, and co-workers know about your business, and the word may start to spread.
  • Leverage Social Media – depending on the type of business you have, you can consider using many social media platforms, including Facebook, Twitter, Instagram, Pinterest, and more.
  • There are many local events going on in the Greater Boston area all year round. Ask to be an event sponsor or volunteer to help out in order to both aid the community and gain exposure for your business.
  • Running a contest could encourage your current clients to spread the word about your business – just make sure to spread the word both in person and on your Social Media.
  • Ask for reviews on Google and Yelp. If a customer is satisfied with your business, let them know that it would be a huge help to you if they would post a review of your business on websites like Yelp and Google. After all, those sites are a major influence on potential customers!
  • Leverage your friends, family, coworkers, really anyone that you have met in the past, typically referred to as your top 100, or executive 200, I call it working your Dunbar’s 150, leave a message below and I can share with you more details.

Here’s another tip on how to save your small business some money: talk to a Vargas and Vargas Insurance agent about your Massachusetts small business insurance. We can get you the insurance coverage you need while making sure that you get the discounts you deserve – so call 617-298-0655 today for your free quote.

Read More

How Much Life Insurance Do You Need?

It’s easy to talk about home insurance and car insurance, but life insurance can sometimes be a touchy subject. No one wants to think about what would happen if and when they die, but the insurance coverage that you can get from a Massachusetts life insurance policy is a vital part of ensuring that your loved ones are protected.

When calculating your life insurance needs, there are several factors to consider. Often, people will make sure that there is enough coverage for funeral and end-of-life expenses. In addition, you should consider including coverage to make up for your income, as well as other services you provide for the outcome (including childcare). You may also want to include extra benefits to cover college expenses for children, or for an end-of-life gift to your favorite charity.

It is also important to remember to update your life insurance policy as your needs change. Often, an annual life insurance review is enough to ensure that you are always prepared. If it’s been a while since you talked to your agent about your life insurance, you may want to call for a quick chat about what has changed in your life.

If you want your life insurance policy evaluated by a Massachusetts life insurance professional, just call Vargas and Vargas Insurance Agency at 617-298-0655. We can assess your needs and make sure that your policy will cover your loved ones in your worst-case scenario. We can also help you understand the difference between term life insurance and whole life insurance, and in which scenarios each of these policies is useful. Don’t put off talking about your life insurance needs – call us today.

Read More

I’m In Love With Many Things…

“Live as if you were to die tomorrow. Learn as if you were to live forever.”
-Mahatma Gandhi

Thank you to everyone who showed their love by replying to last week’s message!

Your feedback and responses have been incredible, AND I am so looking forward to having coffee with you and will reach out to everyone else by the end of this week to schedule a time for us to meet.

I’m glad last week’s emails resonated with so many people!

I am a man in love. I’m in love with many things, and a few people. And I’m also in love with learning – it’s what makes my ‘business-me’ work well.

I’m drinking a Starbucks “Clover Pressed” Panama Carmen Estate Reserve Blend at our local Starbucks shop (I find that I sometimes work better here than at home or the office, it helps me to pause and people watch). What’s in your cup?

I asked in last week’s message, “How are you feeling about your year so far?” I am feeling pretty good about my year… the summer is here, which in my book has always meant that the workload scales back a notch or two and Kathy and I get outdoors more than ever, and all of the meet and greet family and friend events are starting, of which I try to not miss any.

Lately, I’m learning from people who push beyond average. The time for average is over. I am learning from people who live simply but with impact. I’m learning how clarity and the value of integrating your life around the alignment of your mission, your goals, and the targets related to those two points matters a lot more than which social network you use.

We are wasting so much energy in turbulence instead of in forward motion. We are drowning ourselves in distraction (Trump, Russia, impeachment, etc.) and are avoiding facing the work that we must do. We’re still chasing the shiny and new when what we need most are the basics. We are seeking every possible opportunity to lie to ourselves, coddle ourselves, or make excuses.

There are plenty of employees and passive people roaming the planet that are just waiting for “the man” to ruin their lives more so that they will have something new to complain about. But you’re an owner/entrepreneur. Even if you’re an ‘employeepreneur,’ your belief is that you own your choices affect your own your life, and you aim to own your future.

We strive to build our capabilities through learning and executing on that knowledge so that we can be of better service to the people we have the opportunity to serve.

What’s right for you? Even if you’re not sure, I know this: learning is a part of the menu, and it must be. Every day.

Since starting down the path of helping others, I’ve learned that it’s important to be relationship-minded. I’ve learned that, like with all industries, there are good and bad examples. I’ve learned that my concept that “we are all salespeople” is absolutely true in marketing. And I have learned that many self-employed/entrepreneurs are happy to “just be,” rather than growing their knowledge or brand.

Right now I am reading two books, my summer enjoyment reading is Winter of the World by Ken Follet and to stay sharp and continue learning, Fanatical Prospecting by Jeb Blount.

That’s all I have for today. I’m finding myself drawn to people seeking the next level. Those who are making excuses or who feel they’ve already figured it all out aren’t that interesting to me. I’m sure they’re nice people, but I’ve only got 50 years left on this planet (if I’m very lucky) and I’d rather spend it with people who care.

And thus, I end where I began – What you learn matters. Do you agree?

What are you learning?

Carlos

Read More

Weight Loss Tips for Your Bikini Body

Bathing suit season is here once again. If you’re getting ready to hit the beach or go out on your boat, you may be thinking about how to lose those extra pesky couple of pounds that you gained over the winter. When it comes down to it, weight loss is all about calories: burn more calories than you consume, and you will lose weight. However, this is sometimes easier said than done. Here are a few tips that will help you consume less calories (and burn more):

  • Cut out drink calories: You may be surprised how much juice, soda, and alcohol calories add up! Drinking low-calorie beverages like water, tea, and black coffee is a great start to any diet.
  • Portion control: Instead of giving yourself a giant serving, use a smaller plate to cut back on the size of your meals. Tell yourself that you can always go back for seconds, but odds are you won’t need to.
  • Increase your protein intake: Protein makes you feel fuller longer and boosts your metabolism. Chicken, eggs, avocado, and almonds (among other foods) are great sources of protein.
  • Take the stairs: In addition to eating less, take even small opportunities to burn a few extra calories. Take the stairs, park in the back of the lot, or take a short walk during your lunch break.

If you’re planning on heading out on your boat or watercraft this summer to show off your swimsuit body, first call Vargas and Vargas Insurance Agency at 617-298-0655. We can help you with your boat insurance needs, and much more! And remember, stay safe while you’re out on the water!

Read More

The Top 3 Summer Insurance Claims

Here at Vargas and Vargas Insurance Agency, we want to make sure that your valuables stay safe. That’s why we are constantly offering blogs with safety tips for our customers. And if something does go wrong, our top of the line insurance policies will help you get back to normal quickly. If you’re interested, here is a short list of some of the most common insurance claims that we see in the summer time:

  • Car Accidents – Sure, these accidents happen all year round, but in the summer more people are on the road, whether they’re going to enjoy a day at the park or going on a road trip. This increased traffic leads to an increase in auto insurance claims.
  • BBQ Fires – When the weather warms up, so do the grills! Barbequing is a great way to get family and friends together to enjoy the outdoors, but can be a hazard if the proper safety procedures aren’t followed.
  • Burglaries and Break-ins – Summer is a great time to go on vacation. Unfortunately, burglars know this, and that’s why crimes like these are more common in June, July, and August. Prevent a break-in by following these safety tips. You should also check to make sure that your home insurance is ready for a claim – just in case.

For more information on how to avoid claims like the ones listed above, make sure that you check our blogs regularly. And if you’re interested in getting a Massachusetts insurance quote, just call 617-298-0655 to speak to one of our friendly and knowledgeable agents.

Read More

The Best Ways to Treat a Sunburn

Sometimes, no matter how hard you try to practice safe sun, you end up with a sunburn. If that’s the case, here are some tips for you on how you can deal with this annoying and painful issue:

  • As soon as you notice yourself getting burned, go indoors to prevent the issue from getting worse.
  • To help cool off the burned skin, take a cool shower or bath or use a cool compress.
  • You will be more prone to dehydration while you have a sunburn. Make up for this by drinking extra fluids.
  • Soothe skin with a moisturizer that contains aloe. Hydrocortisone cream can also be used if you are in particular discomfort.
  • Swelling and discomfort can also be treated with aspirin or ibuprofen.
  • If your skin begins to blister, avoid the temptation to pop them – they are there to help the body prevent infection. Instead, let them heal naturally and call you physician if symptoms get worse.
  • If you go outside while your sunburn is healing, take extra precaution to protect the more vulnerable burned skin.

Remember, though, that (as the saying goes) an ounce of prevention is worth a pound of cure. While treating a sunburn is possible, it’s better not to get one in the first place – so make sure that you continue to practice safe sun techniques throughout the summer months.

The same is true with your insurance policies: insurance from Vargas and Vargas Insurance Agency will help you prevent mishaps from turning into full-blown disasters. Call 617-298-0655 today to make sure that your insurance portfolio is ready in case you end up needing your coverage in the future.

Read More

Servicing States

  • Massachusetts

Testimonials


More Testimonials

Partner Carriers

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