7 Easy Tips to Lower Auto Insurance Premiums Each Month

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

Posted on August 29, 2022August 18, 2022 by cvargas

With the kids returning to school, the holidays on the horizon, and the talk about and worry about recession and inflation, many of us look at lowering our bills each month. Today, let’s review a few ways to help lower your auto insurance premiums to keep more cash in your pocket.

1. Compare Rates Among Insurers

One of the quickest ways to find the best rates is to shop around. And we can help with shopping around, as Vargas & Vargas Insurance represents many of the region’s top insurance companies, and we do this regularly for our insureds. Some insurers may have lower prices depending on your needs. However, low rates don’t always guarantee quality service.

While the cost may be an attractive feature, you also want an insurance provider you can trust.

2. Higher Deductibles for Lower Monthly Rates

In many cases, you can opt to increase deductibles to reduce your monthly rates. This means you pay less every month but will have to pay more out of pocket in the event of an accident.

Many people choose this type of plan simply because it’s cheaper to maintain. And if you don’t need to file a claim, the higher deductible is rarely a consideration.

3. Bundle Home and Auto Insurance Together

Bundling home and auto insurance together can greatly impact how much you pay for each one. This is an exceptionally common practice and helps you keep all of your insurance needs under one roof, so to speak.

In other words, it’s convenient to have all of your insurance needs through one company while providing monthly discounts.

4. Lower Auto Insurance with Good Credit

Some insurers will provide a discount if you have good credit. This is because good credit often signifies financial responsibility, which puts just about any company at ease.

Don’t get me wrong, you can still get affordable premiums without an 800 credit rating. However, improving your score can help lower the auto insurance premiums from certain providers.

5. Ask About Low-Mileage Discounts

When talking with an agent, ask them if there is a possible “low-mileage” discount. In some instances, the amount of driving you actually do throughout a month can impact how much you pay for insurance.

An example of this is how someone who drives less than 20 miles per month will pay less than someone who drives 2,000. Fewer miles means there is less of a chance of an accident.

6. Group Policies Can Lower Auto Insurance Premiums

Home and auto isn’t the only thing you can bundle with some insurers. You may also qualify for group policies. These are exceptionally useful for families as everyone has coverage while reducing the per-person rate.

However, buyer beware here; many group plans may become more expensive over time than if you were not part of a group. So, review your group policies regularly with a local independent insurance agent to make sure that you are still receiving the best rates for your insurance.

This is why a lot of parents will add children to insurance plans as it affects the rate a child would have to pay by him or herself.

7. Ask About Good Driver Discounts

Having a spotless driving record can have a lot of benefits, especially when it comes to a lower auto insurance premium. If you can demonstrate near perfection behind the wheel, it could reduce your rates.

In fact, some insurers will offer a discount if you take defensive driving courses. That’s because these courses can result in dramatically reducing the chances you’ll be in an accident.

Reduce Your Monthly Spending in These Trying Times

You shouldn’t have to put yourself or your family at risk to simply cut costs. Today, every penny counts, and what you can save by lowering your auto insurance might help you afford other necessities.

At Vargas & Vargas Insurance, we work to help you afford coverage for your automobile without breaking the bank. Contact us today and find out how we can help you keep your vehicles covered in this uncertain world.

Protect Your Family Assets With Umbrella Insurance in Massachusetts

Posted on August 29, 2022August 29, 2022 by agentinsure

When you live in Dorchester, MA, it’s essential to have umbrella insurance. This type of insurance can help protect your family assets in case of an accident or lawsuit. Here are some things to consider when choosing umbrella insurance.

What is Umbrella Insurance?

Umbrella insurance is liability insurance that can help protect you and your family financially if you are sued or held liable for an accident. It can provide coverage above and beyond your regular homeowner’s or auto insurance policy limits.

Your Vargas & Vargas Insurance Agency can help you understand what you need to know about choosing the right umbrella insurance for you and your family.

Why Do I Need Umbrella Insurance?

Dorchester is a bustling city with a lot of traffic. This can increase your chances of being in an accident. If you are at fault in an accident, your regular insurance policy may not cover all the damage. This is where umbrella insurance can help. It can provide coverage for things like medical expenses, property damage, and legal fees.

As a homeowner, you are also at risk of being sued. If someone has an injury on your property, they may sue you to cover their medical expenses. Umbrella insurance can help protect your assets in this situation. If you have a pool, playground equipment, or other hazards on your property, umbrella insurance is also a good idea for peace of mind.

How Much Umbrella Insurance Do I Need?

The amount of umbrella insurance you need depends on your assets and income. It would help if you considered how much coverage you would need to protect your home, savings, and future earnings. A financial advisor can help you determine the right coverage for your needs.

Talk to your Vargas & Vargas Insurance Agency about umbrella insurance in Dorchester, MA.

Ways Student Drivers Can Save on Insurance Costs

Posted on August 22, 2022July 28, 2022 by cvargas

As the school year begins, many student drivers will take to the roads. And for some, this might be the first time they are actively driving an automobile to and from school. Are you getting the best insurance deals for your teens?

There are a few ways you can reduce the overall cost of insurance premiums for student drivers. Many of them require a bit more time behind the wheel than, say, a sophomore in high school.

However, there are a few ways you can still save on new drivers heading to class.

Good Grades for Student Drivers

A lot of insurers will offer discounts for students if they can maintain a B average or better. This is one way to inspire student drivers to perform as well as they possibly can in school.

In some cases, the insurer may provide a discount if the student is within the top 20% of his or her class. Some agents may also apply discounts for performing well (top 20%) on various achievement tests, such as the ACT, SAT, PSAT, and more.

Good Student discounts may be available for high school, college, or even home-schooled students between the ages of 16 and 25. If you’re unsure your insurer provides these types of discounts, it’s worth the time to contact them today. It could save a great deal on premiums every month.

In most cases, you’ll need a current grade report card for your student or a signed form from a school administrator proving your student does, indeed, have good grades.

Good Driver Discounts for Students

Doing well in school is a great way to reduce insurance costs. However, some students may also qualify as Good Drivers. Of course, this is usually for college students because of the requirements.

For instance, most Good Driver discounts are triggered by accident and violation-free driving for the past three to five years. This means anyone under the age of 19 has a lower chance to qualify because of a lack of sufficient time behind the wheel.

Nonetheless, paying the auto insurance for your college student may be cheaper should he or she have a spotless driving record.

Usage-Based Auto Insurance

Something else you could keep in mind for your student drivers is usage-based insurance. This is often referred to as telematics insurance.

In this type of insurance, the premiums are based on the amount of actual driving that is done. In most cases, mobile apps or devices collect data regarding the use of the vehicle.

Data collected could be everything from mileage tracking to capturing the speed of the driver.

Telematics uses a similar platform to pay-as-you-go. Depending on the distance traveled during any given time period and the overall driving performance of your student, insurance premiums could be significantly reduced.

Unfortunately, because of the sheer amount of setup and data collected, telematics isn’t available to every insurance provider.

Reduce the Cost of Your Student Drivers Today!

Having a child in school often costs parents a great deal of money every month. Don’t let insurance be one of those things that stress you out.

At Vargas & Vargas Insurance, we’ll help you find the best deals for your student without breaking the bank. Contact us today to find out what we can do for you and your student.

13 Easy Weatherproofing Ideas for Your Home and Auto

Posted on August 15, 2022July 28, 2022 by cvargas

As each summer gets hotter than the last, we have to do what we can to reduce the damage brought on by excessive heat. Not only does weatherproofing prolong the lifespan of certain things for the home and auto, but many of them can also save you quite a bit of money.

Today, let’s take a look at several ways you can prevent high temperatures from wreaking havoc on your property.

Weatherproofing Your Home

From a financial standpoint, weatherproofing your home is always a good idea. Not only does it reduce the onset of certain kinds of damage, but it can have an immediate impact on your monthly bills.

A few ideas that can reduce the cooling of your home include:

Using aluminum foil on the windows to reflect heat.
Using blackout curtains to block heat and light if you don’t like the appearance of aluminum.
Replacing insulation and sealing holes and cracks in your walls, windows, and doors.
Adding window awnings to provide shade from direct sunlight.
Cleaning ducts to allow better airflow.
Replacing air filters of your HVAC system every 90 days.

The best part is that most of these ideas cost very little to implement. Nonetheless, they can save you a great deal of money in the long term.

For example, simply keeping the ductwork clean allows for better airflow, which results in the HVAC system having to work less to keep the home cool or heated. This means less wear and tear on the unit itself.

In other words, that $10 filter could save you hundreds of dollars in energy bills and repair costs.

Weatherproofing Your Car

Not everyone thinks about weatherproofing the car or truck. However, they can benefit in much the same way as your home. Well, actually it is you who benefits as it will save you quite a bit in repair costs when the temperature spikes.

Keep in mind that electronics are more susceptible to failure when the ambient temperatures are higher. As there are a lot of electronic devices in vehicles today, it’s imperative to do what you can to reduce the impact of those high temperatures.

A few things you can do to protect your auto include:

Keeping the tires properly inflated, as heat can weaken the rubber and reduce elasticity. This can lead to cracking.
Making sure all fluids are at proper levels as lubricants are more vital during times of excessive heat.
Replacing the battery before it fails, especially those that are exceptionally older.
Using window coverings to keep the heat out. It’s more comfortable and prevents damage to things inside the vehicle.

Just like the home, weatherproofing your vehicle now can save you on future repair costs. Not to mention reducing the likelihood of breaking down on the side of the road with temperatures in excess of 100 degrees.

Leave Nothing to Chance

Although there are plenty of ways for weatherproofing your car and home to save money, Vargas & Vargas insurance can help you take the savings to that extra level. Contact us today to find out how we can customize your policy to accommodate your lifestyle.

From protecting your property from the ravages of heat waves to giving peace of mind throughout the winter months, we can help you.

Does Inflation Cause Insurance Rates to Go Up?

Posted on August 8, 2022July 27, 2022 by cvargas

Inflation will affect a wide scope of products and services. Unfortunately, this also includes home and auto insurance. The reason for this is that insurers examine several factors when determining rates. One of these factors is the cost to repair or replace.

How Inflation Can Affect Insurance Rates

If the cost of raw materials goes up, this will have an impact on how much an insurer will need to cover predetermined expenses.

For example, a lot of automobiles require microchips in order to function properly. Thanks to the global chip shortage, the costs to replace them are much higher than they were five years ago.

This means insurers must pass on the more expensive auto repairs to clients.

Some expenses for home repair recently increased in 2020 and 2021. However, lumber prices have come down as inventories continue to pile up due to things like mortgage rates increasing, which decreases demand for new home sales.

However, shortages can come in a variety of forms for housing. For example, a current lack of labor and certain electrical equipment can ultimately affect new construction and repairs.

This all culminates in how an insurer adjusts your premiums. In other words, it’s common for inflation to directly affect how much you’ll pay for home and auto insurance.

It all comes down to the cost of repairs should something happen.

Ways to Lower Your Monthly Premiums

Although inflation will directly impact insurance rates, there are several things you can do to reduce the costs on your end.

A few ways you can lower monthly insurance premiums include:

Bundling auto and home insurance packages – many insurers will offer discounts by combining policies.
Pay for a year in advance – depending on your insurer, you may be offered a discount if you pay for a year or more ahead of time.
Increase your deductibles – Although this means you’ll need to have more money out-of-pocket before insurance kicks in, a higher deductible often results in lower monthly premiums.
Check your insurer for any home and auto insurance discount programs – for instance, many auto insurers will have “good driver” discounts for those who have never filed a claim.
Demonstrate being a safe homeowner – it’s possible that you may qualify for discounts if you show a history of not filing insurance claims or have equipment installed to prevent damage to the home.
Make home improvements – it doesn’t take a massive investment to improve the home. Something as simple as improved lighting, CO2 sensors, or installing a doorbell camera may help reduce insurance premiums.

Of course, this also depends greatly on your insurance agent. But for the most part, insurers have a variety of discounts available if you ask for them.

Let Us Help You Weather Inflation Issues

At Vargas & Vargas Insurance, we’ll help you customize your plan to help you adjust during times of inflation. We are here to offer you solutions that will fit your budget. Contact us today and find out how we can help you.

From auto insurance to home protection, don’t let rising costs scare you away from protecting your property.

Who Should Get Flood Insurance?

Posted on August 1, 2022July 27, 2022 by agentinsure

For everyone who owns a home, it’s important to give it all the protection it needs against a wide range of risks. Home insurance protects against many threats but doesn’t offer any protection against flooding. Floods are an expensive type of disaster that can cause enormous damage. Flood insurance can help pay for the damage done after a flood, which may even require rebuilding the house. If you don’t have flood insurance, give us a call today at Vargas & Vargas Insurance in Dorchester, MA.

Everyone Needs Flood Insurance

There are high-risk areas for flooding and areas with little risk of it. Many homeowners don’t consider getting a flood insurance policy unless they live in a high-risk area. And while it’s essential to have this insurance if you’re in a high-risk area, it’s also essential if you aren’t in one of these areas. About 20% of the claims for floods originate from areas not at high risk for flooding. For people who don’t have flood insurance and experience flooding, it can mean significant damage to their homes. The National Flood Insurance Program recommends that all homeowners get this insurance to protect themselves.

The Backing of Flood Insurance

Flood insurance is sponsored and backed by the National Flood Insurance Program. This program ensures government backing for these policies and sets the price of this insurance. This means you don’t have to shop around or hope you got the best price, as it costs the same everywhere.

Get Your Flood Insurance Policy

Getting flood insurance is important whether you are in a high-risk or low-risk flood zone. To get this insurance protection, give us a call at Vargas & Vargas Insurance in Dorchester, MA.

How Extreme Heat Waves Can Easily Damage Your Home

Posted on July 25, 2022July 25, 2022 by cvargas

Heat waves are becoming more commonplace in many areas of the globe. By July of 2022, three heat waves have swept through the United States. And this doesn’t include the excessive temperatures in places like Europe and Great Britain.

Heat waves can be exceptionally dangerous to human life, which is why you need to keep yourself and your family safe. Yet, they are also exceptionally dangerous to the home.

Never underestimate the power of Mother Nature.

Wear and Tear to Structures

A large portion of homes are made with a wooden structure. From support beams to floors and roofs, there is a lot of lumber in many houses and businesses.

The problem is that wood contracts and expands due to varying temperatures. This fluctuation becomes more rapid and extreme depending on the ambient heat and cold fronts.

The end result is the wood begins to crack and split in various locations throughout the residence. This can compromise the structural integrity of the building and could result in causing far more damage down the line.

For example, a split support beam is less likely to hold the weight of walls or ceilings.

Leaky Roofs

Speaking of splitting wood, the roof is perhaps your first defense against the elements. Due to its construction materials and ability to absorb sunlight and heat, it’s constantly exposed to extreme weather.

As I mentioned earlier, wood begins to crack as it constricts and expands. This includes the materials your shingles are nailed to. Once the smallest crack forms, moisture can easily enter and begin wreaking havoc on the roof.

This doesn’t include how heat waves can cause shingles and other roof types to warp, exposing the underbelly of the roof to even more potential damage.

Wildfire Hazards

An inevitable outcome of heat waves is the onset of wildfires. You’ve probably seen a lot of news coverage in 2022 regarding the damage these fires have caused just in the first half of the year alone.

If a strong wind picks up, wildfires can quickly consume large swaths of land in a very short period of time.

Even if the fire doesn’t consume the entire home, everything from electrical to plumbing damage can be part of the end result. The smallest fires have the potential to cost hundreds if not thousands to repair.

Foundation and Cement Damage

Wood isn’t the only building material that will be affected by heat waves. In fact, the very foundation of your home can be subject to extensive damage during extreme temperatures and drought.

For instance, when the moisture in the soil evaporates, the foundation is less likely to keep a firm grip on the ground. You’ll often see these kinds of effects on sidewalks and roads as cracks begin to form.

However, the actual foundation of your house can also experience the same fate. And just like the roof, cracks in the foundation can lead to a variety of leaks and other weather-based damage.

Protect Yourself During Heat Waves

At Vargas & Vargas Insurance, we’ll help you stay protected against a variety of weather issues. From heat waves to floods, contact us today to find out what we can do to customize your policies for the future.

The last thing you want to experience is a leak in the middle of winter after a heat wave compromised your roof.

6 Ways Insurance Agents Can Help When Buying a Home

Posted on July 10, 2022June 25, 2022 by cvargas

Buying a home is an exciting time in anyone’s life. However, it can also be stressful as you want the best deal possible while finding that “perfect” house. Have you thought about how an insurance agent can help you find the home of your dreams?

Being a Local Expert

Whether you’re a local yourself or moving into a new city, insurance agents are experts in their geographic location. This means they can help by making recommendations while knowing the ins and outs of the locale.

These insights can include everything from school districts to lifestyle happenings and safety. Being part of the local community gives agents a great perspective of the area including specific neighborhoods.

Accurate Cost of Home Insurance Coverages

A local insurance agent will have the ability to provide an accurate estimation of homeowner’s coverage. Thanks to their familiarity with the locale and market values, you’ll get a better idea of how much you’ll spend in addition to your mortgage.

Things like safety features, square footage, and neighborhood can affect your monthly premiums. Contacting a local insurance agent when buying a home takes a lot of guesswork out of the equation.

Better Understanding of Coverage Types

Working in the local area, insurance agents have a better grasp of the types of coverage you might need. For instance, does the location of your prospective new home have an issue with flooding?

This can also benefit you in the other direction as an agent can help save you money by not requiring coverage types. For example, it’s unlikely you’ll need earthquake coverage if the area hasn’t experienced one in a century or two.

Understanding Previous Claims

One of the more profound aspects to using a local insurance agent is his or her understanding of previous claims. What are the most prominent issues for the area in which you’re looking?

This can help you spot all kinds of warning signs before you decide to put a bid on that new home. What if the neighborhood has a long history of flood damage?

Home Inspection Reviews

Home inspections are a crucial step when it comes to buying a home. These determine the safety of the structure and what may need to be addressed soon.

Your local insurance agent can take a look at this inspection and use it as a guide into what issues might impact your rates. Things like electrical wiring, foundation cracks, mold detection, or roof damage can cost you quite a bit. In fact, depending on the extent of the damage, the seller might not be able to sell the home until those issues are fixed.

Capacity to Save Money when Buying a Home

Not only can a local insurance agent help you save money by avoiding certain homes, but you might also get discounts on premiums. Some insurers will discount rates if the home has:

smoke alarms
sprinkler systems
security systems
carbon monoxide sensors
energy-efficient appliances
or other disaster-prevention elements

Local Insurance Agents are a Treasure Trove of Information

Never underestimate the value of your local insurance agent. He or she will have a deeper understanding of many aspects you might not consider.

Let Vargas & Vargas Insurance assist in making one of the biggest decisions of your life. Contact us today and we’ll do what we can to make sure you find that perfect home with the affordable coverage you’ll need.

I’m Going On Vacation, How Do I Keep My Condo Safe While I’m Away?

Posted on June 28, 2022July 4, 2022 by agentinsure

As summer vacation approaches, many people enjoy time away from their busy schedules and responsibilities. While relaxing on a beach or touring Europe is exciting, there are some risks associated with being away from home that many people don’t consider until they arrive at their destination.

Leaving your Dorchester, MA condo unattended for even a short period can significantly impact your life and the lives of those around you. Whether visiting a friend or traveling across the country, Vargas & Vargas Insurance is here to help you understand the risks of leaving your condo behind and what you can do to protect your property.

Simple Steps To Protect Your Condo:

Lock the door. It seems like a no-brainer, but you’d be surprised how many people forget to lock their doors. Furthermore, use a deadbolt with a strike plate to make it harder for intruders to break in. Also, lock your windows.
Unplug your electronics. Avoid a potential fire hazard by unplugging your TV, kitchen appliances, and other electronic devices.
Don’t tell everyone you’re leaving. A lot of the time, potential thieves will use social media to find out the details of your travel plans. Please don’t make it easy for them. Tell your friends and family directly, if need be.
Hide your valuables. Don’t leave your valuables in plain sight if you’re on vacation. Store them in a safe place or leave them with a friend or family member.
Be careful with your mail. If you’re going away for a long time, ask someone you trust to check your mail. Letting your mail pile up is a massive sign to burglars that you’re not around.

Even when you take the proper precautions, it’s still possible that you’ll be a victim of a crime or some disastrous event. Contact Vargas & Vargas Insurance can you make sure that you have the right insurance coverage at the right price, Contact us today

How to Handle Insurance When the Kids Go or Come Back from College?

Posted on June 21, 2022June 20, 2022 by cvargas

College is an exciting time for any youth. It’s their first step into the real world while getting an education to help improve their lives. Given the costs of education, the last thing anyone wants to worry about is extra expenses. So, how should you handle your insurance policy when your child is off to further his or her education?

When to Remove Your Child from the Policy

A common rule of thumb is that you should drop your child from your insurance if they are attending a school that is more than 100 miles away. This is because a lot of insurers believe anything closer may prompt the child to come home often and drive.

It may also be a good idea to consider dropping the child if he or she is living on campus. This is because the likelihood of driving decreases, depending on the situation. Also, if your child isn’t planning on taking a vehicle to college, there’s really no reason to insure them.

When Should You Keep Your Child On Your Policy?

Perhaps the obvious reason to keep a child on a policy is if he or she is planning to live at home while attending college. But let’s go a bit further than that.

What if your student travels home frequently? What if it’s a common thing for your child to come home on the weekends? This is why it’s common to keep a child on a policy if the school is within a 100-mile radius.

Lastly, a lot of parents will pay some of the child’s bills to help with college expenses, which often includes insurance. It’s just one less thing the child has to worry about besides school work.

What About Returning Home for Extended Periods, Such as Spring Break?

If your child is planning on coming home for extended periods of time, such as breaks or vacations throughout the year, it’s probably a good idea to add them to your policy again.

Usually, the costs for doing so are nominal. For most insurers, it’s not a difficult process for a short-term policy change during those time-off periods.

Can You Drop the Child to an Occasional Driver?

Some insurance policies give you the option to drop someone to an “occasional” driver. This is usually someone who accounts for less than 25% of the vehicle’s annual mileage.

Now, not all insurers have such options available. Those who do also may have their own definitions about what qualifies as an occasional driver.

In any case, it could decrease how much you pay in premiums depending on your policy. How much it decreases is also dependent on the insurer.

Does Your Child Qualify for a “Good Student” Discount?

Something else you could consider is whether your child can qualify for a “good student” discount. In many instances, this depends on a couple of factors:

Is your child under the age of 25?
Can your child maintain a B average or better?

The better your child does in school, the cheaper the rates. This means you or your child can save money regardless of who pays for the insurance.

However, not all insurers have a “good student” policy available. It’ll be in your best interest to find out if something like this exists. Anything to decrease the monthly bills is going to be a benefit for all involved.

Find the Best Rates for Your College Students

College is a formative point in a child’s life. You want to make sure you or your student doesn’t have to stress too much about auto insurance. Contact us today at Vargas & Vargas Insurance to get a quote that works for you and your family.

We’re happy to further answer any questions you might have about your college student and his or her driving habits.

What Happens if Two People Involved in an Accident Have the Same Insurer?

Posted on June 6, 2022May 30, 2022 by cvargas

When an accident occurs, it is often customary to contact an insurance agent. But what happens when two people in an accident have the same insurance company? Well, it’s often handled the same but with a few minor adjustments.

In the end, it usually falls under who is to blame to pay for damages regardless of his or her insurance company. Having the same insurer doesn’t change the bottom line. However, the insurer may take steps to avoid issues among clients.

No Bias in Decisions

In many cases, the insurance company will assign two different adjusters to the separate claims. They may also make adjustments to the claims to avoid a conflict of interest.

It comes down to legally being required to handle claims in an efficient manner regardless of whether both parties have the same insurer or not. This also means that you can expect claims to take roughly the same amount of time.

In some cases, the insurance company can waive any deductibles should both parties use the same vendor. But that is often on a case-by-case basis and greatly depends on the insurer.

In every case, though, the process should be relatively the same. Simply contact your agent and process the claim as you normally would.

Who is Cited for Blame?

To ensure one party is at fault over another, a police report can be filed. In most cases, the officer will attest to which driver is to blame, which can ultimately change how the claims are processed.

While not every accident may require the assistance of a police officer, it can help things move along smoothly. Otherwise, it could be a painstaking process should neither party admit to being at fault.

In the event of both parties agreeing to be at fault, the insurance company may assign percentages of claims to both parties depending on the damages suffered. This will be up to the insurer and usually based on the total damages of both vehicles.

An example of this is in the event of one driver tailgating another. This is when a driver is following a vehicle much too closely. If the front driver immediately slams on his or her breaks, it could cause a rear-end collision. After an investigation and the officer deems both parties as negligent, then both could be at fault.

Of course, in this scenario, it really depends on why the front driver had to slam on the breaks in the first place.

Not Much Really Changes

In the grand scheme of things, not many changes if both parties have the same insurer. Though, a few minor things may change to avoid a conflict of interest or prevent the feeling of “favoritism.” For instance, what if the same agent handles both clients prior to an accident? That’s when a newly assigned adjuster would assist one of the parties.

But generally speaking, the claims are handled in the same fashion as if two different insurance companies were involved.

At Vargas & Vargas Insurance, you can rest easy knowing that we take a fair stance with all of our clients in the event of an accident. If you need auto insurance, contact us today and let us help protect you and your family.

Find out more about life insurance today!

Posted on May 25, 2022May 25, 2022 by agentinsure

Vargas & Vargas Insurance knows that talking about life insurance can be an uncomfortable experience. We want the greater Dorchester, MA community to turn to us for their life insurance needs. We can help you protect your family and loved ones, no matter what the future may hold.

Learn more about your life insurance options

Having the right life insurance can serve you and your family well. Depending on the type of policy you select, you can enjoy several benefits while still living. In addition o death benefits, some policies provide cash value and growth during the policy’s life, as long as it is kept current and in force.

Term life insurance is often a good idea for anyone looking to cover their burial expenses or other end-of-life costs. These policies are usually affordable and can help ease your family’s pain during the immediate period after your passing. Permanent policies, like whole life, variable, and universal insurance, provide death benefits and offer other features.

If you want to learn more about the life insurance options now available, it makes sense to sit down with a local agent. This can help you make the right decision.

Call today for an appointment.

If you are a resident in the greater Dorchester, MA area, it’s time to get to know the Vargas & Vargas Insurance team. We are here to help you find the right insurance solutions for your needs. Now is a perfect time to sit down with us and learn more about your life insurance options. Our team is ready to help, and we always look forward to working with you. Give us a call today!

When is Your Home Insurance Denied and What Can You Do?

Posted on May 23, 2022May 19, 2022 by cvargas

Home insurance is there to help pick up the pieces in the event of a catastrophe or mishap. From direct damage due to third-party negligence to shielding you from nature’s wrath, being insured is vital. But when can your home insurance get denied by your current carrier? What can you do when you find yourself without proper coverage in the event of an emergency?

The truth of the matter is that there are a lot of things that can cause your carrier to drop you from being insured. It all really centers around the policies and practices of each individual company.

However, there are a few that are almost universal among many carriers. Some of the more common include:

If the house becomes in extreme disrepair
Non-disclosure of damages to, or the result of, the home
Insurance fraud
Non-payment of premiums
Excessive past claims
Missing a filing deadline
Criminal record of certain judgments, such as arson
Certain types of dog breeds

This is by no means a complete list. The problem is that every insurer has its own guidelines to follow when it comes to the home. However, the above problems are common among many companies and something you should consider when your home insurance is denied.

What about being denied specific claims from your insurer? In many cases, this happens because of a lack of specific coverage. For instance, earthquake and flood protection often require their own insurance plans separate from the home.

Some insurers will still cover you even if you’ve experienced any of the above. However, the premiums you’ll have to pay are usually quite higher. This is because you’ve been established as “high risk.”

If someone or the property is deemed as a high risk, this means that there is a greater chance of the insurer losing money due to damages.

What Can You Do When Home Insurance is Denied?

You could always appeal to the insurance company and plead your case. In some instances, this may prove beneficial, especially if you’ve invested in preemptive measures.

For example, taking the time to make sure the home is up to code and in good condition after a denial may change the mind of an insurer. Especially if you can reinforce the validity of the repairs by having the home inspected.

Your local independent insurance agent is the best way to appeal your case as they have a relationship with the insurance company.

Another thing you can do is spend time looking for an insurer who’ll cover your home. As I said, every insurer is different and some may be willing to overlook specific issues. But that’s when your payments may increase due to being a high risk, as mentioned above.

Bear in mind that the very reason why one insurer dropped or denied you could be why it’ll be difficult to find another. At least not without addressing why you were denied in the first place.

Never Give Up, Proper Protection is Worth the Effort

If you’ve been denied in the past for home coverage, give us a call at Vargas & Vargas Insurance. Contact us today to see if we can help you get the coverage you need to protect your investment as well as your family.

In the worst-case scenario, you don’t want to face disasters and accidents alone. We are able to give you some peace of mind by finding the insurance coverage that you require.

Spring Maintenance for Your Car (To Help Avoid Auto Insurance Claims!)

Posted on May 9, 2022May 2, 2022 by cvargas

Keeping up with your car’s maintenance can be a hassle…but we’ve got exciting news for you! By prioritizing the maintenance schedule for your car you can avoid some potential insurance claims!

Does keeping up with my car’s maintenance really make a difference?

We know, it’s draining to try to stay up to date on car maintenance. It seems like there’s always something to fix! Unfortunately, a lot of people avoid taking care of their cars until it is too late. According to research from the National Highway Traffic Safety Administration reported by Fox13, the average amount of car accidents due to poor maintenance tallies in at a whopping 45,000. You definitely don’t want to be a part of that statistic. Read on for some helpful tips to avoid insurance claims and enjoy safe travels!

What should be on my maintenance checklist?

One item you’ll definitely want to include on your checklist is to inspect your tires! Make sure they still have good traction and check to be sure the tire pressure has an ideal PSI. This is something you’ll want to do routinely – not only during springtime!

Other items to include on your auto maintenance checklist:

A few other important things to stay on top of:

Schedule an oil filter change. Oil reduces the friction between moving parts in a running engine. If you don’t have your oil changed you could do serious damage to your engine.
Replace windshield wipers. You don’t want to be caught in rain (or snow) with inadequate wipers! You won’t be able to see what’s in front of you which could result in an accident.
Check your battery. Be proactive about checking your car’s battery! Even if it seems to be working fine, it is always a good idea to have the battery inspected to prevent an unexpected failure.
Check your lights. Even in normal driving conditions, using your headlights anytime you’re driving has been proven to reduce accidents by 5-10%. Why not take it a step further and make sure every light on your car is in good, working condition?

Don’t forget the finishing touch!

As part of your spring auto maintenance schedule, consider having your car detailed. Chances are high that your car looks a little worse for the wear after all of the snow and dirt from this winter. Give your car a spring cleaning that will leave you feeling refreshed and confident in your car. We recommend Neponset Circle Car Wash for all your detailing needs!

Stay up to date and stay safe!

All of the preparation in the world can’t prevent every accident, so make sure your auto coverage is sufficient by referencing this guide. Now, no matter where you’re headed, you can travel confidently and safely knowing that you’ve stayed up to date on your maintenance!

Vargas & Vargas Insurance, we can help you customize your auto insurance so that it works best for you. We are one of the premier local independent insurance agencies, and we truly work for our clients, not ourselves. Our team of friendly experts would be happy to answer all of your insurance questions. Contact us today.

Save Money This Summer with AC Maintenance

Posted on May 2, 2022May 2, 2022 by cvargas

As we’re nearing the warmer months of the year, it’s time to start thinking about how your air conditioner performs. And I’m talking about both central air and window-based units. With proper AC maintenance, you could save quite a bit of money.

Not only does maintenance help you save on the electricity bill, but it can also prevent accidental fires and other forms of property damage. For example, do you know how much a leaky swamp cooler could cost you in repairs if not dealt with immediately?

So, what are some ways to protect your home and your bank account?

Clean and/or Replace Filters

A clogged filter can cause all kinds of issues for any HVAC system. Even window-mounted air conditioners can form sheets of ice if the filter is clogged. And that causes a completely different problem.

This isn’t to mention how a clogged filter causes the unit to work much harder to cool the home. This, in turn, results in wear-and-tear leading to malfunctions and repair costs much sooner than anticipated.

Make sure all of your filters are either replaced or cleaned, depending on the type of system you have in the home.

Ensure Ductwork and Intakes are Clear of Debris

Over time, ductwork and air intakes for HVAC systems can become filled with dust and various forms of debris. Part of your annual AC maintenance should include ensuring the system has clear access to move air.

This means also going outside and making sure bushes, plants, and other elements are clear of the air conditioner.

In the event of a swamp cooler, it’s probably a good idea to install new pads. Wind can blow all kinds of debris into the wells of the evaporative cooler, which means it will have a harder time pulling air in to cool.

Properly Inspect Power Cords and Electrical Connections

Always ensure your power cords and electrical connections for the HVAC system are properly secured. In some cases, it may be a good idea to call an electrician to verify your power cables don’t pose a threat to the home.

While you’re at it, also make sure you don’t have too much of a load on a single power socket.

A lot of people will use extension cords and power strips to accommodate their electronics. The end result could be a fire caused by an over-taxed power cable trying to draw more power than the strip can handle.

Out of the different forms of ac maintenance, your power consumption is perhaps one of the most important to verify.

Inspect Weather Stripping Along Windows and Doors

Weatherstripping is one of the most important facets of saving money for both heating and cooling needs. This is the fine strip or silicone that lines the edges of windows and doors.

Making sure the strip is in good condition means less cool air escapes to the outside. Thus, your home stays cooler for longer periods of time.

Consider Shades or Blackout Curtains

Sunlight coming into the home can generate a great deal of heat. Depending on where your windows are located, the home could be exposed to a continuous bombardment of sunlight.

Blackout curtains are relatively cheap and can stop the light and heat from the sun.

If you don’t like the idea of sunlight being completely blocked, you can always go with shades or other window dressings that limit how much light comes into the home.

An Ounce of Prevention is Worth a Pound of the Cure

Preventing issues through ac maintenance today can save you a small fortune down the road. And don’t forget, you could always approach the homestead from the perspective of going green. For example, adjusting your thermostat so the AC isn’t constantly running.

After ensuring your cooling systems are running efficiently, give Vargas & Vargas Insurance a call to also make sure your home is protected in the worst-case scenarios. Don’t let accidents this summer cost you. Contact us today for a customized plan and keep your home safe year-round.

How to Have a Great Family Vacation in 2022

Posted on April 27, 2022April 21, 2022 by cvargas

As the summer months close in, it’s time to get ready for that perfect family vacation. Depending on where you’re from, the recent pandemic may have put previous plans on hiatus for quite some time.

Today, we’ll go over a few things that can help you enjoy the summer months away from the home.

To Mask, or Not to Mask…

Although mandates are being lifted in various locations, some local governments and facilities are still requiring masks. Always have a mask on hand in the event you visit a location that has such restrictions.

You could also spend a few moments using Google to search the location where you plan to take your family vacation. You may be able to determine which places require a mask so you can better prepare.

Keep in mind that there’s nothing wrong with keeping yourself and your family protected by wearing them. Today, though, it’s more centered around personal preference.

Know the Destination of Your Family Vacation

Before you plan on hitting the road or boarding a flight, take some time to research your destination. Sure, you could follow brochures and “best of” websites. However, you may find some incredible local stores and facilities if you narrow the search on Google.

Perhaps your family loves book stores. Does the location have a unique book store that you don’t have in your area? Instead of visiting a chain store, you could find a unique local experience.

That’s just one example. By exploring the location online, you can get a feel for what’s available and the different venues your family would love to explore.

Are You Covered While Driving?

Many of us will opt to rent a car while on vacation. It’s a way to have freedom of movement instead of waiting for an Uber or Lyft driver. And in many cases, it’s a lot cheaper depending on how much exploring you plan on doing with the family.

Do you plan on getting additional collision coverage?

More than six million car crashes occur every year, with 22% of crashes being weather-related. And because the weather is so unpredictable, it would make sense to make sure your family is covered while traveling.

Keep the Home Safe While On a Family Vacation

Perhaps one of the biggest loads off of your mind while on a family vacation is making sure the home is safe. I’m not merely talking about locking the door and turning off all the appliances.

Although, those are very important things to remember.

If you’re gone for a week, are you absolutely sure your home is secure during the time you’re gone? Before going on vacation, take steps to prevent burglary and other mishaps while you’re away.

The sheer amount of stress relief you’ll feel while on vacation is far worth every moment you’ll spend preparing the home.

What Kind of Family Vacation Are You Planning?

A family vacation is meant to reduce stress while helping to build bonds with those you love. These are moments that will last a lifetime, and you want to make sure everything goes according to plan.

Whether it’s protecting your home while you’re away or protecting your loved ones while on vacation, reducing stress will heighten the experience.

Vargas & Vargas Insurance offers top-rated insurance services that will help keep you and your family protected from unexpected events while you are on vacation! All our clients enjoy customized insurance coverage to match their unique needs, and we offer affordable prices. Contact us today to get a customized plan, or to just get the peace of mind that you desire!

How to Choose a Life Insurance Beneficiary

Posted on April 22, 2022April 22, 2022 by agentinsure

If you are buying life insurance, you have a goal in mind. Maybe you want to support your dependents, pay your mortgage, or ensure your business continuity. But whatever the objective of your life insurance policy is, you have to name a beneficiary to receive the death benefits when you die. But how do you choose a beneficiary? Vargas & Vargas Insurance of Dorchester, MA, is here to guide you if you have no clue where to start.

Choosing a life insurance beneficiary

If you think your financial future is secure with a life insurance policy, it can be wasted if you choose the wrong beneficiary. So, like knowing how important it is to choose a suitable life insurance policy, naming a beneficiary is equally important.

Typically, your beneficiary can be your children, spouse, business partner, parent, or domestic partner. Sometimes, beneficiaries can even be organizations like trusts or charities. Also, when you have several people you want to protect financially, you can name multiple beneficiaries and divide the death benefits among them.

Before signing off the life insurance policy, your insurer will ask you to name the beneficiary. So, when you get that policy, ensure you have your list of beneficiaries beforehand.

To ease the decision of choosing beneficiaries, consider the following:

Who needs the benefit the most? Is it your child, spouse, sibling, or business partner?
Have you considered the applicable rules? Minors can’t receive money directly. Besides, different states have guidelines on who you can name.
If you are single, consider several options, including siblings and parents.
Sometimes, a person isn’t usually the best choice. Create a trust for your beneficiary, especially if the beneficiary is a minor or you don’t want disagreements in case of a divorce
Align your will’s beneficiaries with those in the life insurance policy

Still unsure who you will name as a beneficiary of your life insurance? You can always get in touch with Vargas & Vargas Insurance for guidance.

Captive Versus Independent Insurance Agents For Your Automobile and Home Insurance; An Honest Comparison

Posted on April 19, 2022April 12, 2022 by cvargas

When you’re shopping for insurance, knowing the different types of insurance agents is important as part of understanding whom you should work with.

There are two kinds of insurance agents — captive (who represents one insurance company) and independent (also known as an insurance broker).

Many online insurance companies, like State Farm, Allstate, and Liberty Mutual depend exclusively on captive agents, but some like GEICO and Progressive rely on a mixture of captives and independents.

Both types of agents can provide the kind of quality expertise you need to make one of life’s important financial decisions. But there are some big differences between the two.

Captive agents

Captive agents work directly for a single insurance provider and are limited to the products of that company. For example, if you call a captive agent who works for State Farm, he or she will market and try to sell you only State Farm products. How they get paid is set by their insurance company, and they are paid by that one company.

On the plus side, these agents are experts in what their insurance companies have to offer. But they cannot help a client who doesn’t need or qualify for their company’s products. And captive agents usually have quotas to hit to keep their job and earn bonuses. Although that’s not terribly different from independent agents, you might feel a bit more pressure to buy car insurance from a captive agent when all you really want is term life.

Independent agents

Independent agents, meanwhile, work for themselves and not any one insurance company. They sell policies from a variety of insurance companies, not just one, there is no increase in the premium to work with an independent insurance agent, and make most of their money through sales commissions and bonuses from the carriers.

Independent agents can save you some time by getting insurance quotes from a few different insurers, we have 11 insurance carriers that we can provide you with an insurance quote.

Which is best?

The type of insurance coverage you choose depends on your needs and your budget.

If you’re looking for multiple quotes from different companies, an independent insurance agent probably is the way to go. Vargas & Vargas Insurance can save you time and money, reach our agents at 617-298-0655.

Spring Cleaning & Maintenance Checklist to Prevent Home Insurance Claims

Posted on April 13, 2022April 12, 2022 by cvargas

Want to maximize your spring cleaning schedule to include maintenance items that can help prevent home insurance claims? Read on for some helpful tips!

Organize and declutter

Go through each room in your home and remove any objects that are not useful or needed anymore. Organize your storage space so that useful items are contained neatly. By preventing clutter from accumulating, you are reducing your fire hazards.

Store chemicals and other dangerous items out of the reach of children and pets

While you are going through your home, keep an eye out for any items that could be a potential source of danger for your children or pets. Look for medicine or cleaning chemicals that need to be stored in safe places. Consider adding child locks to certain cabinets to minimize the danger for children.

Create a Maintenance Schedule

Come up with a plan to help you prepare your home for general maintenance to help prevent serious issues down the road. Having a maintenance schedule helps you feel less overwhelmed by scheduling different services throughout the year, while also giving you peace of mind that your home will be up to date and as safe as possible.

Some must-include items for your maintenance schedule

Check your carbon monoxide and fire alarms. According to staysafe.org, carbon monoxide poisoning and fires are two of the leading safety hazards for homeowners. Make sure your alarms have fresh batteries and are in working order.
Change the air conditioning filter. Air conditioning filters are meant to sort out harmful particles such as dust and mold. By preventing the spread of mold you are keeping your house safer and your family healthier!
Inspect your roof. Check for missing shingles and clogged gutters. This helps prevent water damage to your home and its foundation.
Check Your Oil Tank. Unwanted oil tank leaks can cause a huge headache, especially because oil tank leaks are rarely covered with home insurance plans.

Stay one step ahead of your maintenance needs!

By keeping your house clean and up-to-date on maintenance, you minimize your risks of safety hazards and damages in the future. It’s worth it! Click here to read one of our earlier posts on Spring cleaning.

When you finish cleaning your house, give Vargas and Vargas Insurance Agency a call and we’ll help you clean up your insurance portfolio! One of our friendly and knowledgeable agents can review your home insurance, auto insurance, health insurance, and other insurance policies to make sure that you have all the coverage that you need, and at the right price. Don’t hesitate, call now – 617-298-0655.

Is Your Oil Tank Covered On Your Homeowners Insurance Policy?

Posted on April 5, 2022March 30, 2022 by cvargas

Living in Massachusetts has plenty of amazing upsides, but you’re definitely taking a risk if you don’t have your oil tank covered on your homeowner’s insurance policy!

According to state records, over 700,000 homes are warmed by heating oil in Massachusetts, which makes us the second-highest state for residential heating oil consumption.

How Many MA Homes Are Covered If Their Oil Tank Leaks

Despite the heavy use of oil for residential heating, most homes are not covered with their basic homeowners’ policies, sometimes resulting in hundreds of thousands of dollars in costs for homeowners. In one recent story, an oil tank leaked on the property of a MA resident battling COVID-19, costing over $500,000 in damages.

We don’t want this to happen to you, but statistically speaking, you’re likely at risk. Data shows that only about 5% of homes in MA are covered in the case of an oil tank leak.

Given that there are 120 spills a year, we want to make sure you’re prepared in case you find yourself in this unfortunate situation.

How To Get Your Oil Tank Covered

Even though you may not have an oil tank leak on your current homeowners policy, the good news is you can relatively inexpensively add this coverage into your policy.

First, you must comply with the Homeowner Oil Heating System Upgrade and Insurance Law by ensuring your oil tank and valves are safe.

Once you’ve made sure your leak-prevention systems are in place, we can help you add oil leak coverage to your policy that covers you and any neighboring properties contaminated by a leak from your tank.

How To Prevent Oil Leaks In Your Home

Even if you decide to make the wise choice to get oil tank coverage, you can do your best to avoid finding yourself in this situation with regular maintenance checks to your home heating system.

The DEP provides a very useful PDF of Tips for Maintaining Your Heating System that’s free of charge. We’d recommend you print it out and include it in your regular home maintenance tune-up list. Commit to running through these checks regularly so you can spot warning signs and fix small problems before they become a huge ordeal.

We’re Here To Help Find The Right Coverage For Your Situation

Are you missing oil tank coverage on your policy, or are you curious about what else isn’t covered in your homeowners insurance? We’re here to help.

Vargas & Vargas Insurance offers top-rated insurance services that will help keep you and your family protected from unexpected events on your rented property. All our clients enjoy customized insurance coverage to match their unique needs, and we offer affordable prices.Contact us today to get a customized plan, or to just get the peace of mind that you desire!

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