Don’t Believe These Auto Insurance Myths

 

Auto insurance policies can be confusing, and you shouldn’t believe all of the information that’s out there. Sometimes misinformation spreads, but Vargas and Vargas Insurance is here to help separate fact from fiction. Here are three common auto insurance myths, debunked:

Red cars cost more to insure – When you purchase auto coverage, insurance providers aren’t going to consider the color of your car when determining your premium. Instead, they will look at the car’s make, model, and year. Other bits of information will also be factored in, including the home location of the vehicle, and information about the driver(s) of the car.

I’m covered for theft, vandalism, fire, and flood – Just because you have a Massachusetts auto insurance policy doesn’t mean you are covered for every possible type of scenario that will damage your car. People who own their car aren’t required to have coverage for these situations, so talk to your insurance agent to make sure that you will be covered in all of these circumstances.

A friend borrowed my car and got into an accident, so he is responsible for the damage – Auto insurance covers a vehicle, not a driver. If your car is in an accident, it will be covered by your auto insurance. Also make sure that your insurance will allow others to use your vehicle before you lend it to anyone not listed on the policy.

People can say some crazy things about auto insurance. If you have any questions about your coverage, all you have to do to get answers is call Vargas and Vargas Insurance Agency at 617-298-0655. Our Massachusetts insurance agents know what is true and what isn’t, and we will be happy to help you with your queries and concerns.

Tips for Buying a New Car in Massachusetts

Are you in the market for a new car? Massachusetts shoppers should know that buying a new car is exciting, but the process can be complicated and is sometimes stressful. In order to be prepared for your new car shopping experience, review these four car buying tips:

  • Just like going to the grocery store, you should never go to a car dealership on an empty stomach. Test driving and making a car purchase can be a lengthy process, and you don’t want your state of mind to be altered by hunger.
  • Pick the most opportune time to go shopping. You want to hit the dealership when they are looking to meet quotas – often around the end of the month. At that time, they are more likely to give you a great deal.
  • Before you even think about going to a dealership, know the market prices for the cars you’re interested in. You should also look into loan rates at your bank or credit union to know if what the dealership offers is good for you.
  • Monthly payment isn’t everything. Often, the dealership’s representative will talk to you in terms of your monthly payment. Make sure that you also ask about the loan term, interest rate, and total cost.

Also, don’t forget that insurance expenses are a part of car ownership in Massachusetts. If you would like to know an estimate of insurance costs based on the vehicle makes and models that you are considering, call Vargas and Vargas Insurance Agency at 617-298-0655 – we will give you a Massachusetts car insurance quote so that you are better prepared for your shopping adventure.

Auto Insurance Q&A: Borrowing the Car

As a knowledgeable Boston insurance agency, Vargas and Vargas Insurance gets questions from clients all the time, and we are happy to help! One such client sent a message on Facebook recently, and her question was an interesting one:

The Scenario

The woman’s sister-in-law has no auto or renter’s insurance of her own and lives in Massachusetts. She wants to borrow a car from her Father-in-law that lives in NY for a month or so. The woman wanted to know how her sister-in-law should handle coverage for the car, and if her father-in-law’s auto insurance would cover this unusual situation.

The Solution

The woman should tell her Father-in-law to call his auto insurance agent. He should proceed to list the sister-in-law as the principal operator on the vehicle (on his current NY auto policy) and further update the policy with her Massachusetts driver’s license number and MA garaging address for the vehicle. That way she will be covered under the NY policy while driving in Massachusetts. As always, make sure to keep a current Proof of Insurance in the vehicle at all times.

Do you have an insurance question? Just ask the expert Massachusetts insurance agents at Vargas and Vargas Insurance Agency! We love to answer our clients’ questions, and we are only a phone call away. One quick call to 617-298-0655 and we can help you with all of your insurance needs, whether you need a question answered or want an insurance quote or review.

Auto Insurance Changes for Interstate Moves

Some people can go their whole lives without ever moving from one state to another. If you aren’t one of those people, though, you will need to figure out the intricacies of an inter-state move. Whether you are moving to or from our great state of Massachusetts, here are three things for you to consider when it comes to your auto insurance policy:

Minimum Coverage

If you’re moving to Massachusetts, you need to make sure that your auto insurance meets the state required minimums (which are outlined here). If you are moving out of Massachusetts, you should realize that the minimum amount of coverage that you are required to purchase may increase or decrease, depending on your destination.

Personal Injury Protection

In Massachusetts, drivers are required to carry PIP – Personal Injury Protection – as a part of their auto insurance. PIP covers medical expenses and lost wages if you are involved in an accident. Ask your new insurance agent how much PIP they recommend, especially if you are moving out of state.

No-Fault State

Did you know that Massachusetts is a “No Fault” state? There are only about a dozen states that are “No Fault” – this means that drivers and passengers recover damages from their own insurance provider, regardless of who was at fault. If you are moving, read up on how this coverage will change your claims.

And remember – you must maintain auto insurance at all times, so never cancel your old policy before you have set up something new. If you have any questions about switching your automobile insurance, home insurance or business insurance over for your big move, don’t hesitate to call Vargas & Vargas Insurance 617-298-0655!

Driving Tips for Winter Months

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Like it or not, it’s just going to get colder from here. We know that many of our customers are seasoned New Englanders who have driven in the snow and cold year after year, but it’s never a bad idea to brush up on safety! When you have to hit the road this winter, make sure that you keep yourself (and your passengers) safe by following these suggestions:

  • Never allow your car to warm up or run in an enclosed space, like a closed garage.
  • Ensure that your tires are properly inflated according to your manufacturer’s instruction.
  • Make sure that your gas tank is always more than half full in case of an emergency.
  • If your car gets buried in snow, take the time to clear it off completely before driving.
  • Never use hot water to de-ice your windshield.
  • Never use cruise control when driving on a slick surface.
  • When roads are snowy, accelerate and decelerate slowly to maintain traction.
  • Increase your follow distance when the roads are slippery.
  • If conditions get bad, don’t drive unless absolutely necessary.
  • Make sure that your car’s emergency kit is fully stocked at all times.

For more winter survival tips, stay tuned to our blog! And remember, it only takes a few minutes to get an auto insurance quote from your favorite local insurance agency! Your agent can ensure that you are getting all of the discounts for which you qualify, as well as ensuring that you have all of the coverage that you and your vehicle require.

Hopefully, this will help you If you fins yourself in a bad situation, or if you would like to speak with a Massachusetts insurance expert from Vargas and Vargas Insurance Agency, just call 617-298-0655. We will be happy to help you understand your automobile, homeowners, and business insurance coverage options, and select the plan that’s best for your unique needs.