Gift Ideas for Graduates

Name: Vargas & Vargas Insurance
Address: 1133 Washington St, Dorchester, MA, 02124
Telephone: 617-298-0655

Posted on May 3, 2018April 27, 2018 by cvargas

As Spring begins to transition into summer, we prepare for graduation season. Graduation is an important time in a young person’s life. As they move from one lever of education to the next (or from education into the workforce) it is common for loved ones to acknowledge all the hard work they have accomplished with a gift. If there is a graduate in your life, we have a few ideas for thoughtful gifts that will stand out from the crowd, based on the age of the recipient.

Children

Whether your little one is graduating from Kindergarten, Elementary School, or Middle School, it is up to you to show them how proud you are of them, and how important it is to take pride in their education. Nowadays, many schools even offer graduation ceremonies to these students!

If you want to get these little graduates a gift, focus on an experience that they will remember. Have dinner out as a family to celebrate, or take a day trip to a place that your child will enjoy, like the New England Aquarium or the Boston Children’s Museum.

Want something that you can wrap and put a bow on? Encourage your child’s interests. Get an activity kit revolving around your child’s favorite subject, whether it’s art, science, or even Phys Ed! Alternatively, if your elementary school student is headed to a Middle School that gives out lockers, give him or her some locker decorations to prepare them for the transition.

Teenagers

High School graduation is a huge accomplishment. It signifies the end of ‘required’ schooling, and students have made the decision of whether they will continue their formal education or enter the workforce.

Teens that are going to college will need a lot of stuff. Those moving into a dorm or apartment of their own probably have a wish list full of décor and furniture that provides a great starting point for gift giving – not to mention that cash is always appreciated. They will probably also request a new laptop and/or tablet for their classes.

For those students that will be transitioning to the workforce, a gift that recognizes their new independence could be a good place to start. Watches or jewelry is a traditional graduation gift. Some graduates will take a hiatus from responsibilities to travel – for them, consider a nice camera or some luggage.

Young Adults

Nowadays, graduating from college is a rite of passage, and the point at which many young adults will formally enter the workforce full time. Commemorate this transition into independence with something that celebrates the young person’s metamorphosis.

Most of these young adults are getting ready to move into a more ‘adult’ home now that their undergraduate degree is in hand. You can help them prepare for this with a gift to fit their style – consider a nice coffee maker or slow cooker for their kitchen. You could also give a practical gift in the way of sprucing up their professional wardrobe.

Older Adults

For those who decided to take on post-secondary education, graduation is an even bigger accomplishment. Their education is clearly very important to them, and it takes a massive amount of work to get a diploma at this level.

Commemorate this occasion with a special gift! As we mentioned above, a watch or piece of jewelry is always appropriate, especially something that recognizes that the person has an advanced degree. And if your recipient is sentimental, consider something sweet and thoughtful, like a keepsake box.

Don’t forget – one of the most fun parts of giving and receiving gifts is in the presentation. Whatever gift you may choose, take it to the next level with over-the-top decoration that you will be proud to hand over. There are a ton of cute ideas for making your wrapping festive and fun without needing a degree in design – check out ideas from Hallmark for making your gift resemble a graduation cap or including a tissue paper tassel.

You can even print your own wrapping paper to make your gift extra special. If you’ve chosen to give cash, you’re not out of luck! There are plenty of creative ways to give a cash gift for graduation – here are just a few ideas from Hative.

And, for the adults graduating in your life, make sure that you pass on some of your wisdom: tell them all about how important it is to have the right insurance coverage. If they’re new to buying insurance, tell them that the process doesn’t have to be confusing or scary. Vargas and Vargas Insurance Agency is a top Massachusetts insurance agency that can help them with all of their insurance needs: from home and renter’s insurance to car insurance and more. Have them save our number (617-298-0655) in their phone so that they can continue down the road to success with complete insurance protection for their bright future.

Steps to Take After Closing on a Boston Home

Posted on April 23, 2018April 19, 2018 by cvargas

Whether you’re a first-time home buyer or you’ve been through the home buying process before, you may ask yourself: “Ok, closing is over… now what?” The truth is that once all the paperwork is signed, you’ve got your work cut out for you! Here are a few things to add to your “Post Closing To-Do List.”

Store Your Important Documents

When you close on a home, you will be entrusted with many papers regarding your home. When in doubt, don’t throw it out! Keep these papers in a safe place in case you need them in the future. One of the best things that you can do is scan these papers and store them in the cloud, keeping the originals in a safe deposit box.

Put Safety First

Without question, one of the first things you should do when you get the keys to your new place is to change the locks. You never know who holds a copy of the existing locks, so it’s best to start fresh. The cost that you incur will be well worth the peace of mind that it brings to know that copies of your homes keys are floating around the neighborhood, especially given the possibility that previous homeowners could have given out copies to maintenance workers or others. Also make sure that you update the pin number on the existing security system, if you choose to renew the service.

Clean to Your Own Standards

The home is empty, so this may be your only opportunity to do a deep cleaning without having furniture in the way. If you are particular about how things are done you may opt to do the initial cleaning yourself. Otherwise, there are many home cleaning services in the Boston area that would be happy to do a one-time job that will get into every nook and cranny so that you can start with a (literal) clean slate.

Now is also a great time to have a pest control service come to treat your property. Some mortgage lenders will require this as a part of their contract, but it is probably a good idea regardless.

Make Improvements

After everything has been cleaned, you may choose to make some improvements to your new home. The complexity of the improvements that you choose is up to you! You could decide that your home is perfect as-is, or that it simply needs a new coat of paint. Painting is an easy way to give a home a fresh feeling, and to make it feel more like your own space.

There are also more involved projects that you may want to take on, like remodeling the kitchen or adding a pool. It’s your home – the sky is the limit!

Familiarize Yourself with Necessities

When you own a home, there are a few things that you need to be able to locate in a jiffy. One is the water system shutoff. If a pipe ever bursts, you don’t want to have to wonder where to go to stop the water. Also check the breaker box and make sure that everything is well labeled, and that there is a battery-operated light nearby so that you’re ready for a power outage.

Before you move in, have a professional check and perform maintenance on your home’s cooling and heating systems, as well as the electrical outlets and plumbing. You probably already had a professional inspection, but it never hurts to have the first maintenance out of the way so that you can establish a routine.

Now is also a great time to ensure that the home’s smoke detectors and carbon monoxide detectors are working properly. Add a recurring reminder to your calendar to check these detectors twice a year – typically it is recommended that this be done during the Daylight Saving Time clock changes.

Move In!

Once you have done the things outlined above, it’s time to start moving in! This is pretty self-explanatory, just make sure that you’re careful if you or any loved ones does any of the heavy lifting – the last thing you need when trying to set up a new home is an injury. If you’re hiring professional movers, check to make sure that they have the right insurance coverage so that you can’t be held liable if any of their workers are injured on the job. Last but not least, ask your Massachusetts insurance agent about how your possessions will be covered during your move, and how you should file a claim if anything is damaged or broken.

Ensure That You’re Prepared

You never know when trouble will strike, so make sure that you’re ready for anything. Create or practice your family emergency plan. Make sure that all members of your household know where the emergency kit is kept, and how to use everything in it. Also keep a list of emergency contacts where everyone can access it, including the phone number for your favorite local insurance agency.

As a new homeowner, you need to make sure that you have the right insurance protection. This means buying the right amount of coverage, not just the minimum amount required by your lender. To find out what types of coverage you should have for your Boston home, call Vargas and Vargas Insurance Agency at 617-298-0655.

Recap: Insurance Mistakes

Posted on April 17, 2018May 25, 2018 by cvargas

“Each life is made up of mistakes and learning, waiting and growing, practicing patience and being persistent.” – Billy Graham

As the saying goes, “To err is human.” That doesn’t mean, however, that you should be ok with making easily avoidable mistakes. This includes the insurance mistakes that we detailed in our blog post last week! At Vargas and Vargas Insurance Agency, our experienced Massachusetts insurance agents will give you advice and review your insurance policies to ensure that you don’t make common insurance mistakes like these:

Insuring your home for its market value instead of the cost to rebuild.
Not having a home inventory in the event that you suffer a major loss.
Skipping out on policies like flood insurance and umbrella insurance.
Buying only the minimum amount of liability insurance with your auto policy.
Forgetting to weigh in on the premium vs. deductible trade-off.
Paying for unnecessary business insurance policies.
Failing to update your insurance policies regularly.

Want a free and no-obligation insurance review? Just call our agency at 617-298-0655 to talk to a great Boston insurance agent about whether your policies will provide the necessary amount of coverage if you make a claim. Also take a minute to subscribe to our blog so that you don’t miss any of our great upcoming content, including insurance tips and tricks, summertime topics, life in Boston, and much more.

Common Insurance Mistakes (and How to Avoid Them)

Posted on April 9, 2018April 4, 2018 by cvargas

Making mistakes is a part of life. We are all guilty of having faults and making errors, but it’s important to do what you can to minimize your mistakes, especially the ones that could be costly. Insurance is a product meant to help you financially recover if something happens to something you value. That is why it is so important to have the right coverage. The agents here at Vargas and Vargas Insurance Agency want to make sure that you are fully protected, so ensure that these common insurance mistakes don’t apply to you.

Home Insurance Mistakes

Insuring your home for its market value – If your home is destroyed, you will need to rebuild it. This is why most insurance professionals recommend that you insure your home for its rebuilding cost.
Thinking home insurance will always cover you – There are limits on every insurance policy, and home insurance is no different. For complete coverage, you may need to purchase additional riders or policies, like earthquake and flood insurance.
Skipping a home inventory – While we hope that you never have to deal with this, home insurance will cover you if you are ever the victim of a total loss. In that case, you will need to provide a list of possessions when you submit your claim. Wouldn’t it be a lot easier to make this list now, instead of trying to recall everything you own when it’s gone? That’s why we recommend making a home inventory!

If you don’t own a home, you’re not off the hook! Renters insurance and condo insurance are also available to make sure that you are completely covered even if you’re not a homeowner in the traditional sense. And these policies are very important!

Auto Insurance Mistakes

Buying the minimum possible amount of liability protection – As a driver in the state of Massachusetts, you are required to have a certain minimum amount of coverage. Some people buy just that amount, not realizing that they should purchase coverage above and beyond that amount. Talk to a Massachusetts car insurance expert to find out how much coverage they recommend before you scrape by without enough protection.
Ignoring coverage add-ons – When you purchase auto insurance, you will have several options that you can add to your policy. Instead of declining all of them to lower your cost, consider the added protection they will offer and if they make sense for you. Depending on your insurance provider and policy, this could include coverage for car rentals, roadside assistance, and more.
Not considering your deductible – When purchasing car insurance, you will have to consider the common insurance trade-off: deductible vs. premium. If you’re ok with spending a little more when you make a claim, you could have lower monthly payments. On the other hand, spending more on your premium could mean less of a cost when you have an issue.

There is a potential for an accident every time you get behind the wheel, so it’s important to make sure that you’re protected. Getting into a fender-bender or bumping into a neighbor’s mailbox is generally nothing to worry about, but you don’t want to cause a multi-car accident with serious injuries and then find out your underinsured.

Business Insurance Mistakes

Not enough coverage – The most common mistake when it comes to business insurance is simple: most businesses just don’t carry enough coverage. In fact, it’s almost impossible to have “too much” protection. Insurance is very cheap compared to the financial loss you would otherwise face, so talk to your insurance agent and see if you should increase your coverage.
Passing Up Liability Insurance – Did you see our blog post about Liability Insurance (aka Umbrella Insurance)? Having an umbrella over your existing business insurance is critical to ensure complete coverage, so don’t overlook this inexpensive way to add protection for your company.
Paying for unnecessary policies – Here at Vargas and Vargas Insurance Agency, we know that each business is unique. That’s why we take the time to get to know you and your business to determine the types of protection that you need. You need an agent that is experienced in providing unique policies to small businesses.

There is also one general insurance mistake that anyone is capable of: not updating policies. As time goes on, your insurance needs change. This means that you should plan on a chat with your Massachusetts insurance agent at least once a year to make sure that your insurance policies are still tailored to your needs.

If you think that you may be making one of these insurance mistakes, or if you just want an insurance professional to review your policies for gaps in coverage, call Vargas and Vargas Insurance Agency at 617-298-0655. We will do our best to ensure that your coverage is tailored to your needs, and that you will be able to rest easy if you ever need to file a claim on your Massachusetts home insurance, auto insurance, business insurance, or other policy.

Are You Ready for April Showers?

Posted on April 5, 2018March 29, 2018 by cvargas

The first quarter of the year has passed, and April has arrived. Even though temperatures are still struggling to get above 50 degrees here in Boston, we are ready to welcome warmer weather. Unfortunately, as the saying goes, “April Showers Bring May Flowers,” meaning that this month has a history of being on the dreary side.

To help you prepare for the rainy weather associated with the month of April, we have amassed an “April Showers” guide for the rain. Here are tips for dealing with downpours and sprinkles alike:

Storm Preparedness

First and foremost, we have some tips about how to get ready for the storms themselves. In case of a severe storm, you should have an emergency kit in your home (and one in each car). Make sure that these kits include a flashlight and extra batteries! Also include nonperishable foods in case of an extended power outage (and make sure that you have a manual can opener in the house).

Make sure that your home is ready to take on a storm by performing some maintenance, including cleaning your gutters and trimming trees around your property. Here at Vargas and Vargas Insurance, we deal with a lot of Massachusetts home insurance claims related to broken tree limbs. Taking time ahead of spring and summer storms to prune weak branches could save you a headache in the future.

Gardening

It is still definitely chilly, but those of you with green thumbs may want to start planning out your garden soon so that you’re ready for planting season. Soon it will be time to plant seeds for winter harvest (like squash and potatoes) and even some flower and fruit seeds. Just make sure to wait to plant seedlings until it warms up a bit, otherwise you risk them dying due to frost!

Pest Control

The increased amount of rain in April makes it a perfect atmosphere for bugs and critters. Do your part to prevent mosquitoes by ensuring that your property isn’t a magnet for standing water.

Rain also gives you the perfect opportunity to check for leaks. And any place that water can get into your home, a bug can too! Pay special attention to doors and windows, as that is the most common place for a gap. Also check for small holes around electrical outlets.

If you are having a pest problem, a trained Massachusetts pest control professional can help get the issue under control as quickly as possible.

Plumbing

It may sound silly at first, but all of the excess water falling from the sky can put a strain on your home’s plumbing. This is especially true in Massachusetts, where we also have to deal with the yearly snow melt as Spring temperatures arrive.

Pay special attention to your sump pump (if there is one in your home). It is critical that your sump pump works properly so that excess water doesn’t cause mold and mildew, or worse, a flood! Test to ensure that it is working by pouring water into the pit and waiting for the motor to start. Watch to see it pump water out and away from your home. You should also ensure that the pump is free of leaves and debris.

Driving and Vehicle Tips

Some people like the dreariness of rain, and it is relaxing if you’re trying to sleep or want to cozy up and read a good book. On the other hand, though, rain can create treacherous driving conditions. This makes it so important to make sure that your car can handle slick roads – after all, there are over 1 million weather-related vehicle crashes every year, according to the Federal Highway Administration.

Before you drive in the rain, be sure that your tires are ready for the wet roads. They should be properly inflated according to the specifications in your car owner’s manual. The tread on your tires and your car’s brakes should also be checked.

When you are behind the wheel in the rain, you should increase the distance between you and the car that you are following, turn on your car’s headlights (it’s the law in Massachusetts!), and know how to handle your vehicle if you start to hydroplane.

Rain Gear

At some point in the next month or so, you are probably going to get caught in the rain. Now is the perfect time to make sure that you are ready when that moment arrives. After all, you don’t want to be running through a rainstorm thinking, “I should have bought that raincoat!”

A raincoat is a perfect place to start when it comes to buying gear. You should also have some waterproof boots and even a hat (otherwise make sure that your jacket has a hood). Everyone also should plan to have a few umbrellas. One for your home, one for your vehicle, and maybe even an extra for your workplace.

Hopefully this blog has helped you prepare for the rain-filled Spring months ahead. If you want, tell us about some of your favorite Spring activities on our Facebook page. And make sure to stay tuned to the blog for more insurance tips and tricks.

Recap: Update Your Insurance After These Life Events

Posted on March 20, 2018March 12, 2018 by cvargas

There are many family, friends, and loved ones that you would call after a major life event. Have you ever considered adding your insurance agent to that list? It may seem silly at first, but it turns out that you should talk to your insurance agent about many types of life events, including:

Buying a Home or Renting an Apartment
Getting Married or Divorced
Having Your Home Renovated
Acquiring New Valuables like Furniture, Antiques, and Electronics
Having or Adopting a Child
Letting Your Child Get Their Driver’s License
Achieving Retirement

Wondering why some of these may require a chat with your favorite independent insurance agent? It turns out that these events may cause a change in your insurance needs. Check out our full blog post from last week to see why you may need to update your home, auto, and life insurance policies!

If any of these have happened to you recently (or even if it has just been a while since you last called) talk to your insurance agent today! One quick call to 617-298-0655 can update all of your policies in order to make sure that you are fully covered by your insurance policies.

Life Events That Require an Insurance Update

Posted on March 12, 2018March 9, 2018 by cvargas

In the words of Ferris Bueller, “Life moves pretty fast. If you don’t stop and look around once in a while, you could miss it.”

These words are so true – it seems sometimes that life flies by. It’s easy to make changes in your life and forget to tell someone: your insurance agent. When the ‘big stuff’ happens, you will probably be excited to tell friends and family, but putting in a call to your favorite Boston insurance agency should also be on your list, since many of life’s changes will affect your need for insurance coverage.

Each of the following events represents a change in your insurance needs. If you experience any of these, call your Vargas and Vargas Insurance agent to update your insurance policies so that you remain fully covered.

Buying a Home or Renting an Apartment: For every change in your housing situation, there should be an equal change in your insurance policies. Every home or apartment is different – that’s why it is so important to have a customized insurance policy for your dwelling. Your insurance agent will be able to explain the difference between replacement cost and actual cash value for your policy. And remember, we can also offer you rental property insurance if you purchase a second home and rent it out.

Getting Married or Divorced: Getting married calls for many insurance changes. You may get a discount on your auto insurance for having a two-car family, and it’s also important to reconsider your life insurance needs. Your renters or home insurance may need to be updated to account for new joint possessions (not to mention the new rings and wedding gifts!)

Likewise, divorce requires insurance policies to be updated if your car and home situation changes. You may also want to reduce life insurance coverage or change your beneficiary.

Having Your Home Renovated: Here at Vargas and Vargas Insurance, we want to make sure that our clients are never under-insured. That’s why it is so important to update your home insurance policy after you renovate. Whether you add or just update a room, your home insurance policy needs to be updated in order to reflect the new value of your house in case of a loss. We should also know about any improvements made outside your home, including the addition of a shed, gazebo, swimming pool, etc.

Acquiring New Valuables: You don’t have to call your insurance agent every time you purchase a knick-knack for your home, but every once in a while, you will purchase (or receive) a valuable item that might need a floater or endorsement for full coverage. These items are typically jewelry, collectibles, furniture, antiques, and electronics. Every policy will define ‘valuable’ differently, thankfully your agent is just a phone call away and can tell you whether your home insurance will cover the item as-is, or if an addendum is necessary.

Having a Child: Whether it’s a birth or an adoption, having a new baby in the family requires updates to your policies. Typically, having a baby will necessitate an increase in your life insurance coverage. Also, don’t forget to update your home insurance policy to include all of your baby’s furniture, toys, and clothing – as a new parent, these small items will add up fast!

Letting Your Child Get Their Driver’s License: Whenever a new driver starts to use the family vehicles, your auto insurance policy will need to be updated. You may fear making the call because insuring a teenager is notoriously expensive, but you can rest assured knowing that your Vargas and Vargas Insurance agent will ensure that you get all possible discounts on your auto insurance.

Achieving Retirement: When you are lucky enough to reach retirement, you will have a lot to cover with your Massachusetts insurance agent. Not only are you likely to qualify for senior discounts on your policies, you will need to update the average mileage use on your car, which will likely decrease significantly when you no longer commute during the week. You may also want to speak with your insurance agent about whether or not you should keep your life insurance. While it is often considered a replacement for lost wages, it can be a handy thing to have even after you’ve got no paycheck to replace.

Do you know anyone who has experienced any of these events recently? Forward them the link to this post and tell them how Vargas and Vargas Insurance can help them with their insurance needs and will get them the best price on a new or updated insurance policy.

If it’s been a while since you spoke to your insurance agent, just call us at 617-298-0655. A Vargas and Vargas Insurance representative will be happy to walk you through your current insurance portfolio in order to ensure that your coverage is at the right level for your needs. We offer free, no-obligation insurance quotes and updates, so there is no reason to delay – call now, and make a point to talk to your Massachusetts insurance agent at least once a year to give your policies a thorough check-up.

Storm Damage Tips From Vargas & Vargas Insurance

Posted on March 5, 2018March 5, 2018 by cvargas

This weekend’s Nor’easter, which is not a storm named by the National Weather Service, produced widespread damage including downed trees, sump pump failures, and power outages. The Vargas & Vargas Insurance team handled dozens of calls throughout the entire weekend and remains available at this time to assist you.

We understand there is great difficulty locating tree removal services and roofers to patch or tarp roof openings. We also note that finding generators and or sump pumps to remove water from basements is a challenge at this time.

Below are some tips should you have suffered any damage:

Tree damage: If there is tree damage to a building or home the first order of business is to ensure everyone’s physical safety. Once that has been completed, contact a licensed tree removal company. Currently, tree removal companies are focusing on calls involving severe damage. We suggest a number of companies be contacted to secure competitive quotes and, if necessary, to get on waiting lists for assistance.

Sump pump failure: Be extremely mindful of entering a flooded basement as water that has risen to certain levels may have caused an electrical short creating a dangerous situation. Elevating personal belongings and removing the water as soon as possible is important. Pumps and generators are in high demand currently and most local hardware and big box home improvement stores are out of stock. Contacting stores within a reasonable driving distance may be good option.

Roof damage: Much like tree removal services, licensed roofers are in high demand after a storm of this size. While likely well-meaning, this will cause individuals without the necessary level of expertise to offer assistance. As we have suggested in the past, please do not let anyone on your roof that you did not contact directly, and please be sure those that do provide help are appropriately licensed and insured.While these are the most common types of losses after a storm of this nature, we recognize these are not the only issues currently being experienced. Please contact Vargas & Vargas Insurance with any questions or concerns you may have.

To report a loss, you can contact us by telephone (617-298-0655), email(customerservice@vargasinsurance.com)
or text (617-409-0329).

If you suffer an emergency that cannot wait until we are open for business, please contact our after-hours claim telephone number 617-322-5289.

Also, you may find our blog titled, “Home insurance, should you file a claim”, interesting to read, can read it by clicking here.

Sincerely,Carlos

What’s on Your “Must Have” Insurance List?

Posted on December 22, 2017December 18, 2017 by cvargas

It’s the season of giving, but winter also seems to be the season of list-making! Just like your tots are probably putting the finishing touches on their Christmas “Wish List,” and you’re letting the ink dry on your list of goals and plans to make 2018 the Best Year Ever (stay tuned for our blog post Monday!) we’ve compiled a list of all of the insurance policies that everyone should have as a part of their portfolio. The protection offered by these policies is something you can’t afford to miss!

Home Insurance, Condo Insurance, or Renters Insurance – Protect the place that you live. Depending on whether you own or rent, your insurance may cover your property and your possessions. Ask for extra protection if you have valuables to cover. In addition, some liability protection may be included.

Auto Insurance – It’s almost impossible to be without a car in this day and age. That’s why everyone needs a reliable car insurance policy. It will cover you and your vehicle if and when you get into an accident.

Health Insurance and Life Insurance – If you get sick, your focus should be on recovery – not on medical bills. Health insurance will alleviate the stress of expensive treatments. And with a Massachusetts life insurance policy, you can make sure that your family is taken care of if you pass unexpectedly.

Start 2018 off on the right foot with a free insurance review from a Vargas and Vargas Insurance professional. Our agents can ensure that your policies have you completely covered with the proper protection for yourself and your loved ones. Start the process with one simple call to our agency at 617-298-0655.

My Child Got Their Driving Permit – What Now?

Posted on September 21, 2017September 18, 2017 by cvargas

Children grow up so fast. It seems like they just start to walk, and the next thing you know they’re getting their learners permit and ready to start driving. If you have a teenager who is just about to get their Massachusetts learner’s permit, here are a few steps that you should take to make it a smooth transition:

The first step that you should take when your child gets their permit is to call your insurance agent. They will help add your child to your Massachusetts auto insurance policy so that they are insured while they learn to drive.
It’s important to let your agent know if your child is a good student, and if they have completed a driver’s education course. Either (or both) of these criteria will help to lower your insurance premium.
If you want to further compensate for the cost of adding a teenage driver to your auto insurance policy, consider lowering your deductible. Ask your agent if this is the right choice for you.
While you are making changes to your insurance policies, consider adding an umbrella insurance policy to your portfolio. This coverage is very affordable, especially considering how much protection it provides. After all, teenagers are inexperienced drivers and are more likely to cause a major accident that would, without the proper umbrella insurance, potentially cause financial distress.

To talk to your Boston insurance agent about the new driver in your household, just call 617-298-0655. We can help you get them added to your auto insurance policy, and get you a free umbrella insurance quote to consider.

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