General Car Insurance FAQs

General Car Insurance FAQs

Insurance is a complicated business – there’s no denying that! Thankfully, the insurance experts here at Vargas and Vargas Insurance Agency are here to answer some of your general car insurance questions.

Here are five questions that we are asked all the time by our current and prospective customers:

Do I need to have a certain amount of auto insurance coverage?

Yes! Each state requires that you purchase a certain amount of auto insurance. In Massachusetts, the current requirements are as follows:

$20,000 per person ($40,000 per accident) for Bodily Injury to Others.

$8,000 per person and per accident for Personal Injury Protection.

$20,000 per person ($40,000 per accident) for Bodily Injury Caused by an Uninsured Auto.

$5,000 per accident for Damage to Someone Else’s Property.

How much coverage should I have for my vehicle?

We listed the minimum amounts required in the state of Massachusetts, but for the most part, it is recommended to have more than the minimum amount of coverage. When deciding how much coverage you need, you should consider the value and size of your vehicle, as well as whether your vehicle is paid off.

An insurance agent from Vargas and Vargas Insurance Agency can help you wade through the process of deciding on your car insurance coverage amounts, as well as setting a premium and deductible that make sense for you and your financial situation.

What kinds of auto insurance discounts do you offer?

We offer so many different auto insurance discounts that we couldn’t possibly list them all! Here at Vargas and Vargas Insurance, we compare several different insurance providers when looking for a car insurance quote, and we will help you choose the one that will get you the best coverage at the best price based on the discounts that each provider offers.

Can I make changes to my car insurance policy?

Absolutely! You can always call our office to make changes to your policy. Whether you’re getting married, there’s a new driver in your family, or you need to increase or decrease the amount of coverage in your policy or your deductible, a Vargas and Vargas Insurance staff member will be glad to help you update your policy.

Depending on what you need to change, your policy could be updated immediately, or we can set an ‘effective date’ for the change to go into effect at a later time.

I’m looking to switch insurance providers – How do I get a car insurance quote?

Getting an insurance quote is as easy as contacting Vargas and Vargas Insurance Agency. The quote process is quick and simple. All you have to do is answer a few questions and we will have quotes from major insurance providers that you can compare.

Make sure that you keep our number in your phone, too. You can always call us at 617-298-0655 if you need to ask a question or update your policies. That’s also the number that you want to dial if you need help with any other type of insurance – from home to health to business and more!

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