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FAQ: Why Buy Insurance Through an Independent Agent?

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buy insurance through an independent agent

Recently, you may have noticed (or even answered) a survey from Vargas and Vargas Insurance called “Help Me Help You” where we asked for your insurance questions. Well, we have collected all of the questions that were submitted and will start answering some of them here on the blog! The first question that we will tackle is a general insurance question from Terry:

Won’t I save a lot of money if I go directly to the insurance company? I see tons of ads on TV. Why shouldn’t I go directly to Geico, or Allstate, etc?

Selling Insurance – Then and Now

It used to be that insurance companies didn’t sell their policies directly to the public. At that time, an Independent Agent was the only way to get insurance. As insurance providers began to write their own policies and online purchases became popular, the independent insurance agencies never disappeared – they still offer many benefits that you can’t get otherwise.

Benefits of Having an Independent Agent

In most transactions, a “middle man” is something that you want to avoid at all costs, and buying directly from the manufacturer will save you money and hassle. In the insurance industry, though, this isn’t true! Here are a few facts regarding the benefits of purchasing your insurance coverage from a third party:

  • Independent agents are able to get quotes from dozens of insurance providers. Instead of you calling around to check coverage and prices, a Vargas and Vargas Insurance agent can do all the legwork for you, and then help you choose the policy that’s best for you.
  • Stay organized by having an independent agent handle all of your insurance policies – home, auto, life, business… Vargas and Vargas Insurance Agency is a one stop shop for all of your insurance needs.
  • Insurance is complicated. A licensed independent agent can help you wade through all of the confusing jargon and will alert you to any potential issues that they identify. An independent agent doesn’t work for an insurance provider – they work for you! It is their job to ensure that you get the right policy, not the one with the largest commission.
  • Insurance providers are often nationwide. That means that they work with people from all 50 states. When each state has its own insurance laws and requirements, doesn’t it make sense that you should work with a Massachusetts insurance expert? Vargas and Vargas Insurance Agency only writes insurance in Massachusetts, so we know what our local clients need when they’re looking for a policy!

If you’re looking for an Independent Agent in Massachusetts, give Vargas and Vargas Insurance Agency a call at 617-298-0655. Our agency has been serving residents of the Greater Boston area since 1986, and we are committed to providing our clients with the policies that they need, as well as insurance education, and much more.

For answers to more insurance questions from our “Help Me Help You” survey, including questions about home insurance, auto insurance, flood insurance, business insurance, and much more, stay tuned to our blog!

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What are Heat Exhaustion and Heat Stroke?

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heat exhaustion and heat stroke

Many people like to exercise outside once the weather begins to warm up. If you’re going to start taking your workout outdoors for the summer, or even going outdoors to play with your kids, make sure that you familiarize yourself with two common perils of exercising outdoors: heat exhaustion and heat stroke. Once you know the signs, keep reading to learn the steps that you can take to ‘beat the heat’ and help ensure that you are safe when participating in outdoor activities.

How to Identify Heat Exhaustion and Stroke

According to the American Heart Association, these are the common symptoms of each of these common summertime issues, along with treatment recommendations.

Symptoms of Heat Exhaustion:

  • Headaches
  • Heavy sweating
  • Cold, moist skin, chills
  • Dizziness or fainting
  • Weak or rapid pulse
  • Muscle cramps
  • Fast, shallow breathing
  • Nausea, vomiting or both

If you or someone else is suffering from either of these conditions, get out of the heat and into an air conditioned room or into the shade. Have the affected person drink fluids, and apply cooling techniques like fans or ice. If untreated, heat exhaustion can progress to heat stroke.

Symptoms of Heat Stroke:

  • Warm, dry or moist skin
  • Strong and rapid pulse
  • Confusion and/or unconsciousness
  • High body temperature (above 103°F)
  • Throbbing headaches
  • Nausea, vomiting or both

If someone has suffered a heat stroke, call for medical attention immediately. While waiting for help to arrive, employ cooling strategies like applying ice packs to the neck, back, armpits, and groin, or immersing the affected person in cool water or an ice bath.

How to Beat the Heat

Here are some steps that you can take if you want to work out outdoors without letting the heat get to you. Following some or all of these tips will help to ensure that you will have a good time outdoors, without any medical emergencies.

Stay hydrated – Make sure that you drink plenty of hydrating fluids (preferably water) before, during, and after your time outside. Avoid drinks with caffeine or alcohol.

Avoid peak hours – If you’re going outside, be strategic with the time that you choose. Instead of going at the hottest part of the day (typically between 4 and 6 pm) go just after sunrise or just before sunset – when there is plenty of light, but the temperatures are milder.

Ease into the outdoors – Let your body adapt to being outdoors instead of rushing in. Your body will do better if it is allowed to gradually acclimate to the heat over several days instead of all at once.

Dress properly – When you prepare to head out the door, make sure that you’re dressed in clothing that will help facilitate the evaporation of sweat. This means lightweight, light colored clothing in breathable fabrics like cotton.

When you spend time outdoors, also make sure that you take someone with you. Travelling with a buddy is much safer, and can make your exercise more fun too! Also make sure that a loved one knows where you are going, and how to contact you for safety reasons. Make sure to share this blog post (and other Vargas and Vargas Insurance Blog posts) with your loved ones and exercise buddy, too! Knowing the symptoms of heat stroke and heat exhaustion are vitally important to anyone that will be spending time outdoors this summer.

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Swimming Safety Tips for Summer

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Swimming Safety Tips for Summer

It’s finally starting to warm up here in Massachusetts, and everyone is ready to start taking part in quintessential summertime activities. Break out your iced tea and lemonade, but make sure that you brush up on your pool safety before you or a family member goes swimming.

An afternoon at the pool can be a great activity for kids and adults alike, but you need to make sure that you put safety first. According to the CDC, there were over three thousand mom-boating related fatal unintentional drownings in the US, and one in five of those fatalities were under the age of 14. A quick review of pool safety guidelines could help you prevent a serious situation, so here are some basic guidelines from the Red Cross and Safe Kids Worldwide:

Ensure that children are always supervised

Kids love the pool, but you need to make sure that they are always supervised when they are swimming or around water. If at home, make sure that you are outside with your children, and keep distractions to a minimum – it only takes a second for an incident to occur, so you need to be vigilant about watching for signs of distress.

If you are going to a beach or public pool, make sure that there will be a certified lifeguard on duty, and have kids use the buddy system for safety.

Enroll in swimming or water safety classes

Knowing proper swimming techniques is vitally important, so make sure that children learn them at a young age by enrolling them in swimming or water safety classes. These are offered at many locations, including the Red Cross.

Adults that will be supervising children should also consider taking safety courses in first aid and CPR – hopefully you will never need to use the knowledge that you gain, but having that know-how could save a loved one’s life someday, and that’s well worth spending a few hours of your time at a class.

Have the right tools when around water

When you’re ready to hit the pool or the beach, make sure that you bring all of the necessary equipment. Grab a large beach bag and pack the following items:

  • Plenty of water for hydration. It is best to avoid caffeinated and alcoholic drinks if you will be swimming or supervising children.
  • Protection for your skin. Sun tan lotion, large t-shirts, and brimmed hats will all decrease sun exposure, which could lead to skin cancer over long periods.
  • A first aid kit. You never know when someone will get hurt, so make sure to have first aid necessities on hand.
  • A cell phone. If you need to call for help, make sure that you can do so by keeping your cell phone charged and with you at all times.
  • Flotation devices. If you are supervising children, make sure that you have reaching or throwing equipment on-hand. For young kids, a US Coast Guard approved life jacket is a “must have” item!

Now that you’ve brushed up on your water safety, go ahead and grab your bathing suit! Make sure that you stay tuned to the Vargas and Vargas Insurance Blog throughout the summer for more safety tips, including grill safety, road trip safety, and more. And if you know anyone else that’s going to spend time at the pool this summer, make sure to use the “Share this” buttons below to post this to your Facebook or Twitter and spread the word about the importance of swimming safety!

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Are You Prepared for Hurricane Season with Flood Insurance?

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flood insurance

June 1st is the official start of Atlantic hurricane season, and it’s got us asking this question: Do you have an adequate flood insurance policy? Hurricanes have a habit of coming up the east coast of the US and dumping a lot of rain on New England. As Massachusetts flood insurance experts, we want to make sure that all of our clients are prepared for the distinct possibility of a flood.

Having Full and Complete Coverage

If there’s one thing that you should know about flood damage, it’s that it is not covered under a standard home insurance policy. Your home’s insurance will cover many important things, but not flood damage. To be covered for damage due to flooding, you must have a separate Massachusetts flood insurance policy.

Depending on the flood zone of the area in which you live, you will need to purchase either a Standard Flood Insurance Policy or a Preferred Risk Flood Insurance Policy. A Vargas and Vargas Insurance agent will be able to tell you which you need, as well as explain the differences in coverage between the two policies.

Remembering Katrina

Can you believe that it’s been 10 years since the Gulf Coast was ravaged by hurricane Katrina? On August 29, 2005, New Orleans was devastated by Katrina, which caused flooding in 80% of the city when the levees failed. Some parts of the area were under only about one foot of water, while others were drowning under a flood of ten feet or more.

Katrina alone caused nearly one thousand deaths in Louisiana, and more than a million people were displaced due to the storm. The total damages caused by hurricane Katrina were approximately $135 billion.

Predictions for Hurricane Season 2015

No one knows for sure how many storms we will see in the Atlantic this year, but three major agencies have issued predictions for the number of named storms, hurricanes, and major storms. They are as follows:

In fact, there has already been one named storm so far this year – tropical storm Ana which was active from May 8th until May 11th. Thankfully, Ana reached a peak intensity of only 60 mph winds, and was very minor compared to other tropical activity we have seen here in New England.

To make sure that you are prepared for the rest of the 2015 Atlantic hurricane season, call Vargas and Vargas Insurance Agency at 617-298-0655. One of our agents can get you a quote for a new flood insurance policy, or check the coverage of your existing policy.

Remember, you never know what Bill, Claudette, Danny, Erika, and the other hurricanes are going to bring, so make sure that you protect yourself now with a top of the line Massachusetts flood insurance policy. The coverage is often very inexpensive compared to the amount of coverage it has, and is well worth the peace of mind that comes with it.

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Eight Essential Car Care Tips

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car care tips

You know how to take care of your body with good nutrition and regular exercise, but do you know these eight car care tips that will keep your vehicle healthy? Some of these maintenance tasks can even be done a home with some inexpensive materials and a little bit of training! If you make your car’s well-being a priority, it will continue to serve you for many years to come.

Regular Oil Changes – One of the best things that you can do for your vehicle is to ensure that it gets fresh oil on a regular basis. If you neglect your oil, it will begin to take a toll on your engine – something that no one wants to replace prematurely, especially when the preventative care is so cheap comparatively!

The Cooling System – Ensure that your coolant is changed annually. Make sure to follow your manufacturer’s instructions to do so, but a good rule of thumb is a 50/50 mix of coolant and distilled water. This will prevent corrosion and deposits from forming in your cooling system.

Transmission and Other Fluids – Your car requires several different types of fluids to run. Make sure that you are following your manufacturer’s recommendations for the types of fluids to use when it comes to things like the transmission fluids, and have them replaced regularly to keep your car healthy.

Lubrication is Key – Parts of your car need to move in sync in order to function. This is made possible with lubrication. Making sure that your engine is properly lubricated will help ensure that everything continues to move smoothly.

Wheel Bearing Service – Maintaining your wheel bearings is cheap and simple for most vehicles. What’s not cheap and easy is replacing your spindle and hub, or fixing your vehicle when a wheel detaches.

Brake Fluid Maintenance – Brake fluid is a peculiar substance because it’s attracted to water. Water is an enemy to metal, the main component of your vehicle. Replacing your brake fluid annually will keep moisture away from other parts of your car and prevent corrosion.

Wash Inside and Out – Your car deserves a good deep cleaning once in a while. Give everything a good vacuum and wipe down, and remember to rinse off the undercarriage (especially in the winter if there’s salt and debris under there).

Apply Wax Regularly – Keep your car looking shiny and new (and protect your paint) with a fresh coat of wax every six months. You can do this yourself at home, or opt for a car wash that includes wax the next time you go to a local car wash for a scrub!

The one main point to take away from these eight tips is that preventative maintenance is cheap and easy, but fixing the issues that could otherwise arise is a huge (and typically expensive) task. Learn how to do some car maintenance yourself, or make regular appointments with your service provider to keep your vehicle healthy for years to come.

And here’s a bonus tip for keeping your car in tip-top shape: get a car insurance policy from Vargas and Vargas Insurance Agency! With a policy from our agency, you can rest assured knowing that you will be protected in case you get into an accident. Financial protection like that is hard to find, so call us at 617-298-0655 now to speak to a Massachusetts auto insurance expert about getting a free quote.

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These Distracted Driving Activities Will Shock You!

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Distracted Driving ActivitiesEveryone admits to taking their eyes off of the road or their hands off of the wheel at one time or another while driving. While we hope that all Vargas and Vargas Insurance customers only do this to occasionally adjust the radio, there are some pretty shocking actions people perform while driving that will blow you away.

In a recent survey by Erie Insurance in Pennsylvania, over two thousand adults over the age of 18 were polled, and the data that they found is below.

Texting While Driving

Distracted driving accounts for many accidents, and texting is one of the top causes of distracted driving in today’s world. Even though most states in the US (including Massachusetts) ban texting for all drivers, 30% of respondents to the Harris Poll by Erie Insurance admit to texting while driving, and a whopping 75% say that they have witnessed others text while driving.

Delving deeper into the data, you will find that men are more likely to text while behind the wheel than their female counterparts (32% and 28%, respectively). Also, it probably won’t surprise you to learn that younger drivers tend to text more. Here are the breakdowns of how many people admit to texting, by age group:

51% of 18-34 year olds

39% of 35-44 year olds

33% of 45-54 year olds

14% of 55-64 year olds

7% of drivers aged 65+

The survey also revealed one more tidbit about texting and driving that was slightly uplifting: when you divide the nation into regions, drivers in the Northeast text the least at 24%. Drivers in the South, however, tend to text the most at 35%.

Other Driving Distractions

While texting is undoubtedly one of the most prolific distractions that drivers engage in on the road, it is not the only one out there. In fact, the survey unearthed several other reasons for distracted driving that will probably leave you shocked, or, at the very least, puzzled:

15% of drivers admit to kissing or other PDA

15% of drivers admit to styling their hair

9% of drivers admit to changing clothes

8% of drivers admit to applying makeup

4% of drivers admit to brushing or flossing their teeth

4% of drivers admit to taking selfies

3% of drivers admit to changing drivers

3% of drivers admit to using the bathroom

Regardless of the motive, all distracted driving is dangerous. Here’s a fact that also may shock you: every day in the United States, approximately 1,153 people are injured and 9 people are killed because of distracted driving.

Please, put your safety (and the safety of others) first when you’re driving. Stay focused on the road, and make sure to speak up if you see a friend or family member taking part in distracted driving activities. Here at Vargas and Vargas Insurance Agency, we work each and every day to make sure that you and your loved ones are protected, and putting a stop to distracted driving would mean a huge leap forward in safe driving practices in Massachusetts and nationwide.

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The Three Stages of Life Insurance Demand

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life insurance demand

“Do I need a life insurance policy?” It’s a common question to hear at Vargas and Vargas Insurance, and it turns out that there’s really no definitive answer. Every person’s situation is unique, and so is their demand for a Massachusetts life insurance policy. Thankfully, there are some guidelines available that you can use to determine if it’s time to begin thinking about getting a life insurance quote to protect your loved ones.

It turns out that one of the best indicators of your life insurance need is your age. Check out the three main categories of life insurance demand below, as well as explanations of what type of policy is best and for what period:

High Demand: Age 25 to 35

This is the stage of life when the demand for a quality life insurance policy will probably be at its highest. There are plenty of people depending on you, from parents to new spouses and even possibly young children. In addition to protecting dependents, life insurance is a key part of having debt, and people age 25 – 35 typically have student loans, auto loans, and possibly even a mortgage if they’re a first time home buyer. To find out more about how much life insurance you need, or whether term or whole life insurance is the right choice for you and your family, subscribe to the Vargas and Vargas Insurance Blog.

Decreased Demand: Age 35 to 55

As you age, you will find that your need for a life insurance policy wanes slightly. Children grow up and no longer depend on your income, and you slowly pay off your debts and save for retirement. Some people still need a life insurance policy for their remaining debts or to protect grandchildren. Talk to a Massachusetts life insurance professional to find out whether you should let your term life insurance policy lapse, and whether now is the right time to begin thinking about purchasing a whole life insurance policy.

Renewed Demand: Age 55+

When you near or enter retirement, you may being to see life insurance policies in a new light. Instead of a tool used to protect dependents and counter your debts, a life insurance policy will become a way to pay for end of life expenses, or to leave a legacy for your loved ones or a cause that you support. Some people choose instead to transform their life insurance policy into a long term care insurance policy to cover medical expenses as age increases and health becomes increasingly fickle. A qualified insurance agent can explain your options and find the policy that is right for you.

So, where do you and your loved ones fall in the life insurance demand curve? If you’re ready for a free whole or term life insurance quote, call Vargas and Vargas Insurance Agency at 617-298-0655. One of our friendly and knowledgeable agents will help you asses your life insurance needs and get you a policy that is perfect for your current life stage.

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Lawn Mower Injury Statistics and Safety Tips

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lawn mower injury statistics

The winter snows have melted, and the grass is green again. That can only mean one thing – it’s time to resume your normal lawn maintenance routine. If this means dusting off a push or riding lawn mower, the insurance professionals here at Vargas and Vargas Insurance Agency would like to remind you that these instruments can be very hazardous, and should be treated with care.

Before you begin mowing, familiarize yourself with the potential dangers of lawn mower operation, and remind yourself of how to properly operate your machine with the tips below:

Lawn mowers are dangerous

Before you begin to mow your lawn, you need to respect the inherent danger in operating a lawn mower. Here is a statistic from the American Academy of Orthopedic Surgeons that succinctly describes the danger of lawn mower operation: “The energy transferred by a typical lawn mower blade is equivalent to being shot in the hand with a .357 magnum pistol.” Worse yet, a lawn mower has the potential to turn any rock, stick, or debris into a dangerous projectile. In 2010 alone, over 250 thousand people were treated for injuries related to lawn mowers.

Maintaining a lawn mower

Make sure that you have a lawnmower serviced by a professional at least once a year. This is typically recommended before the first mow of the year. If there is an issue with your mower, make sure that the motor is off and that the mower is completely cooled off before inspecting the equipment.

If you find that there is a blockage in your mower, never use your hands (or any part of your body) to remove it. Put safety first, and remove the blockage with a stick or broom handle. Also never remove any guards or safety devices from your mower. Those objects are there for your safety!

Operating a lawn mower safely

When you’re getting ready to mow, make sure that you follow the proper procedure. Clear the area that you are going to mow of debris including rocks, sticks, toys, and furniture. Always add fuel before you start the engine, and wear protective gloves, goggles, and hearing protection for your safety. Also wear long pants and sturdy shoes (not sandals) when mowing.

Keep children away from the lawnmower at all times, and never allow a child to ride on the mower. Also make sure that you follow all of the instructions outlined in your lawn mower’s operations manual while it is in use. Above all, ensure that you and your family know the rules of lawn mower safety, and that you put safety first at all times while a mower is in use, whether it is a family member or a lawn service that’s doing the mowing.

If you decide that you’re not ready to shoulder the burden of operating a lawn mower safely, don’t put your health at risk. Instead, hire one of the many Massachusetts lawn mowing services available for your convenience. Just like Vargas and Vargas Insurance Agency is the premier purveyor of Massachusetts insurance policies, a professional mowing service will provide customized services for your needs at the right price. Stay tuned to the Vargas and Vargas Insurance Blog for more summer safety tips, including pool safety, grilling tips and more!

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Community Spotlight – Eye & Eye Optics

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Eye and Eye “I and I” is a popular expression – have you ever heard of it? Besides being a Bob Dylan song, it is also a saying in Rastafari meaning that ‘we are all one people.’ This is where Bobin Nicholson started in 2010 when he retrofitted the shop that used to be Peters Optical, just around the corner from the Vargas and Vargas office in Dorchester. He made a play on words of the phrase that was so popular in his native Jamaica, and named his new business “Eye & Eye Optics.”

While Bobin has been building and growing Eye & Eye Optics for four years, he has also been a acting as a lynchpin in the Dorchester community. He has been serving the Boston area as an optician for over 25 years, and has been an active member of our community. Eye and Eye Optics is even a sponsor of the 2014 Boston’s Best Neighbor contest, run by the folks here at Vargas and Vargas Insurance!

Eye & Eye 2Bobin is very proud of his accomplishments at Eye & Eye Optics, which include winning the Best Eyewear Boutique award from Boston’s A-List in 2014. But don’t even begin to think that Eye & Eye is just a shopping destination – they offer a wide variety of optical services, including selling eyewear, customized no-rim lenses, and contact lenses. They have a huge selection of eyewear brands, including RayBan, Calvin Klein, Versace, Guess, Prada, Lacoste, and more.

They also employ an opthamologist on site, so you can have your eye examinations done right there in the shop on Dorchester Avenue. They also offer eyewear repairs, warranties, and dispensation of prescriptions. Their personalized customer service will no doubt leave you satisfied with your experience.

If you would like to check out all of the great offerings at Eye & Eye Optics, you can visit them at 2271 Dorchester Ave in Dorchester. They are open from 9 am until 5:30 pm Monday through Thursday, 10 am until 6 pm on Friday, and 10 am until 4 pm on Saturday. You can also call the shop at (617) 296-0066, and make sure to stop by and “Like” their Facebook Page for updates about the business.

So, if you’re looking for a new pair of glasses or sunglasses or need a new opthamologist, we would recommend stopping by and visiting Eye & Eye Optics. Their commitment to customer service and top of the line products makes them a cut above the rest, and their dedication to the community is an inspiration to us all.

Update: Eye and Eye Optics is hosting an event that you don’t want to miss! On Saturday, June 6th from 1 pm until 5 pm, you can preview the newest eyeglass styles in Britain from William Morris London. A company representative will be there to answer questions, and they will offer 20% off lens and frame purchases. Refreshments will be served. RSVP to (617) 296-0066.

Eye & Eye Event

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May 15, 2015 is Endangered Species Day!

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TYPE YOUR TITLE HEREThere is a day every year that the US Fish and Wildlife Service has declared “Endangered Species Day.” This year, that day falls on May 15th. According to the Fish and Wildlife Service, the day is observed “in order to recognize the national conservation effort to protect our nation’s endangered species and their habitats.”

As residents of the beautiful state of Massachusetts, the Vargas and Vargas Insurance team is saddened to hear about endangered species in the US, and especially those in Massachusetts. Below is a list of the species in decline in our state, as well as a few suggestions of actions that we all could take to help these plants and animals.

Endangered Species in Massachusetts

Did you know that there are approximately 22 threatened and endangered species here in the state of Massachusetts? Here is the full list of threatened and endangered animals and plants, according to the US Fish and Wildlife Service as of earlier this year:

  • Northern long-eared Bat
  • 3 species of Beetle
  • Piping Plover
  • 6 species of Turtle
  • Shortnose Sturgeon
  • Roseate Tern
  • Dwarf Wedgemussel
  • 5 species of Whale
  • 3 Plant Species

In addition to the listed species, there are other species here in Massachusetts that are declining in population, like the New England Cottontail, which has disappeared from 86 percent of its historical range in the last several decades.

What Can You Do to Help?

The Endangered Species Coalition has a list of 10 easy things that you can do to help endangered species. Their list includes suggestions like:

  • Learning about your local endangered species
  • Visiting a wildlife refuge or national park
  • Making your home wildlife friendly
  • Buying and recycling sustainable products

If every person were to take a few steps to make the world a little bit friendlier for endangered species, we could protect these animals and plants that are threatened or endangered. You don’t have to go far – there are things that you can do right in your community!

Endangered Species Day Events

There are events being planned for Endangered Species Day across the country. Here in the Greater Boston Area, there are three big events going on! The first two events will be on May 16th – one at the Stone Zoo (149 Pond Street in Stoneham) at 10 am and the other at Franklin Park Zoo (1 Franklin Park Road in Boston) at 11 am.

If you are busy on May 16th, but would like to attend an event, you’re in luck! Mark your calendar for World Oceans Day at the New England Aquarium at 11 am on June 7th.

What other ways will you and your family be celebrating this summer? Stay tuned to the Vargas and Vargas Insurance Blog for Memorial Day and Fourth of July tips and tricks in just a few short weeks. And remember, there is always someone here at Vargas and Vargas Insurance Agency to help you with all of your insurance questions and concerns – just call 617-298-0655 to talk to a Massachusetts insurance professional!

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Need an Afternoon Pick-Me-Up?

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pick-me-upDoes it seem like you’re ready for a nap each day around 2 or 3 o’clock? You feel tired, but it turns out that there are other factors at play. To combat this feeling ahead of time, make sure that you get plenty of sleep each night, and that you eat good quality meals during the day – and no, a cup of coffee or something from the vending machine doesn’t count as a meal!

If it’s too late to prepare and an afternoon nap is already calling your name, here are a few things that you can do to stay awake and increase your productivity through the lull:

Have a snack and a drink

Again, we don’t mean a candy bar and a soda from the vending machine! Instead of a sugar high (and subsequent sugar crash), try eating a food that is high in protein, fiber, or complex carbohydrates, like peanut butter and crackers, vegetables with hummus, or an apple and some string cheese. These snacks will give you a steady boost to your blood sugar and can help keep you alert for several hours.

You may also benefit from some water or a little caffeine. If you’re worried about a soda keeping you up at night, try a beverage with lower caffeine levels, like a cup of tea.

Get some sunshine

If you’ve been stuck in an office all day, a quick ‘reset’ out in the sun can help wake your brain. Take a short walk to your car, around the building, or just sit on a bench for a few minutes to recharge. The change of scenery can help you break out of a rut and feel less tired, plus the sunshine will allow you to absorb some Vitamin D in through your skin!

Do some exercises

A light workout is another great way to recharge when you start feeling sluggish in the afternoon. If you don’t have the time to hit the gym, you can still get in some movement. Take that walk that we mentioned earlier, or just do a few quick exercises or a stretching routine at your desk. Getting in some movement can boost your productivity and improve your mood, making you ready to take on the rest of your day!

Switch activities

As we mentioned earlier, sometimes all you need to get rid of that tired feeling is a change of scenery, or a change of pace. It may not always be possible, but try doing something new when you feel an afternoon nap beckoning. For example, instead of responding to emails, go chat with a coworker (in fact, frequent breaks from computer screens are recommended in order to reduce the risk of eye strain).

Each of these four tips is a tried and true way to get an afternoon pick-me-up during the regular 2 or 3 o’clock slump, so give each a try and find out which of the four works best for you! And if you need a break from the grind and want to check on your home or auto insurance policy, remember that you can always call Vargas and Vargas Insurance Agency at 617-298-0655.

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How to Improve Your Commute

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TRAVEL(1)Do you wake up in the morning dreading the long journey into work? For most people, the day improves greatly once work begins because that means the commute is over. If this sounds like your feelings, you may be suffering from the commuting blues.

Thankfully, there are several things that you can do to improve your commute. Here are just a few ideas that may be able to make your daily trips a little less infuriating and a little more enjoyable:

Avoid Traffic

Everyone agrees that a shorter commute is a happier commute. This means that it is well worth your while to search for the route that gets you to and from work in the shortest amount of time. While you’re probably happy with the suggestion given by your map application of choice, you need to be aware of the traffic changes every given day. By using a ‘Social GPS’ app like Waze (free on both Google Play and the Apple App Store) you can make sure that your commute is the shortest possible route each day.

Do Something Rewarding

You are much more likely to get frustrated on your commute if you feel like you are wasting your time sitting in the car. Counter this feeling by increasing your productivity while on the road. It’s true that driving will occupy both your eyes and your hands, but even then your ears are available for productive activity! Instead of idly tuning in to a radio, do something more productive (and engaging) like listening to a podcast or an audio book. You can choose to listen to things that are of personal interest, or double your productivity and listen to a show or a book that will help you professionally.

Stress Less by Driving Less

If you don’t like driving, remember that there are always other options available. Depending on the location of your home and workplace, you may be able to use public transportation to get to and from work each day. It may make the journey a little bit longer, but you will be helping the environment while also reducing your own stress levels. If public transportation isn’t an option, you can also look into carpooling. Find a friend or neighbor with about the same commute, and share the driving responsibilities.

Not doing the driving all yourself will also open up your rewarding activities even more. You can include reading and writing to your potential activity list. If work is close enough, consider skipping traffic altogether and getting some exercise by walking to and from work on days with good weather.

It is also important that you let your Vargas and Vargas Insurance agent know if there are any changes to your commute. Your auto insurance coverage changes based on how much you drive, so if you reduce (or eliminate) your travel to and from work each day, your agent will need to adjust your policy accordingly. To make a policy change, or to ask an agent a question, all you need to do is call 617-298-0655. We are always happy to help you with your insurance needs!

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Supplementing Employer-Sponsored Life Insurance

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Massachusetts life insurance policyThere is a saying that we strongly believe in here in the insurance world. It’s “Plan for the worst and hope for the best.” While you’re always hoping that things will go smoothly, insurance policies like home insurance, life insurance, and business insurance help to ensure that you are protected if things get a little bumpy.

Life insurance may be the best example of this – while you probably don’t expect to leave this world anytime soon, a Massachusetts life insurance policy will ensure that your family is financially protected… just in case.

Once you are ready to purchase a life insurance policy, you have a few options: some employers offer life insurance policies to their employees. Otherwise, you can purchase a policy from an insurance agency directly. So which option is right for you? Read on to find out about your life insurance options:

How much life insurance is enough?

Every family’s life insurance needs are different. While a life insurance professional can work with you to determine your unique needs, it is possible to take an educated guess at how much life insurance you should have with one simple computation: a middle aged person with a spouse and children should have a life insurance policy worth about ten times their annual salary. This should be adjusted based on the age of each family member, whether the other spouse works, and other factors.

Unfortunately, employer-sponsored life insurance policies don’t tend to offer this amount of coverage. In fact, most employers only offer anywhere from six months to six years of annual salary in their life insurance policies. This means that your employer-sponsored life insurance policy may be a good start (especially if the coverage is free), but you should probably have another supplemental life insurance policy in order to guarantee enough coverage.

The drawbacks of employer-sponsored coverage

Having some extra coverage through your employer is great, but make sure that you read through the fine print of the life insurance policy that they offer. Sometimes, the restrictions on these policies are numerous, making them very difficult to use should the need arise. It is also worth noting that should you leave the job, your coverage will expire, which could leave you temporarily vulnerable.

What’s the bottom line?

For a person with grown children and no mortgage or outstanding debt, an employer-sponsored life insurance policy may be enough. For people with children, a mortgage, loans, or other financial burdens, a supplemental life insurance policy may be worth exploring to ensure full protection.

Getting a supplemental life insurance policy

If you’re beginning to think that your employer-sponsored life insurance policy isn’t enough to protect your loved ones, just give Vargas and Vargas Insurance Agency a call at 617-298-0655. We can get you a quote for a life insurance policy to ensure that your loved ones will be financially protected in the worst case scenario. And remember – Vargas and Vargas Insurance is always here when you have something to protect, so call us or visit one of our offices whenever you need some help with your insurance.

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General Car Insurance FAQs

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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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Don’t Be a Victim of Credit Card Fraud

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Credit Card Fraud

It seems that we can’t go a few months without hearing about another retailer that has gone through a data breach. When this happens, everyone goes into a frenzy to ensure that they weren’t a victim of credit card fraud.

While it is certainly a good idea to check your statements after a retailer that you frequent has had their data compromised, the truth is that you should be vigilant in checking your credit statements year-round. Here are four ways that you can make sure that your bank accounts and credit cards won’t be victimized, and that you will catch a fraudulent payment right away:

Check your bank statements often.

With almost all financial institutions offering online statements, checking over your credit and debit purchases has never been easier. Make it a part of your weekly schedule to check over your online account, and reconcile your statement against your purchases. If there is anything unusual that you don’t recognize, call your bank or card issuer right away.

Change passwords regularly.

Make sure that you change your passwords to any sensitive online accounts on a regular basis. To make a password as safe as possible it should contain 8 or more characters, including letters, numbers, and special characters. It should also be a random string of characters – the name of your children or your pet isn’t going to cut it anymore.

Also make sure that you don’t use the same password for any two accounts – it makes a hacker’s job a lot easier if your online banking password is the same as your email password, for example.

Don’t let your cards out of your sight.

If you really want to be careful about avoiding credit card fraud, you should be wary about letting your card out of your sight. Don’t lend it to anyone (even friends or family members). If you need to use a card to pay your bill at a restaurant, immediately make sure that the card that you get from the waiter or waitress is yours.

Receive a free credit report annually.

You should be able to receive a free credit report from each of the three credit reporting agencies (Experian, TransUnion, and Equifax) each year. When you get your score, make sure that you don’t have any erroneous penalties present. If you do, make sure to straighten them out as soon as possible.

Replace lost and stolen cards right away.

If you fear that one of your cards is lost or stolen, don’t wait – call your card provider right away and request a replacement. Any time spent looking for the lost card is also time that a thief could spend making purchases on your accounts. It’s better to be safe than sorry, and time spent waiting for a new card is much easier to swallow than time spent trying to clean up after charges on a stolen card.

If you would like additional help in ensuring that your finances are safe and healthy, just contact Vargas and Vargas Insurance Agency at 617-298-0655 and ask about our financial planning assistance. We can help you avoid credit card fraud, navigate stocks and investment strategies, and make a financial plan tailored to your specific needs.

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Factors that Affect Boston Car Insurance Quotes

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Factors that affect your Boston Car Insurance Quotes

When people call Vargas and Vargas Insurance Agency for Boston car insurance quotes, they are always blown away by our friendly and quick service. What goes on behind the scenes is very interesting though! When you call us for an insurance quote, we gather information from several insurance providers in order to make sure that you receive the best possible insurance at the best possible price.

Each insurance provider will often quote a different price on an auto insurance policy. This is because they each use different factors when determining your quote. Here are just a few examples of factors that some car insurance companies use when determining a quote:

Your Age – The older you are, the less risky a driver you are. This means that older people pay less for car insurance than younger people (under 25).

Your Gender – Men sometimes pay more for their auto insurance than female drivers due to trends of males being more reckless.

Your Marital Status – Insurance providers know that married people are (on average) less accident prone than their single counterparts.

Your Education Level – Typically speaking, the more educated a person is, the less likely they will file insurance claims. Some insurance providers will provide lower premiums for people with advanced degrees.

Your Credit Score – Did you know that there is a high correlation between a high credit score and a clean driving record? Read some tips about how to keep your credit score high at the Vargas and Vargas Insurance sister site, First Time Home Buyer Tools.

Your Driving Record – If you have been a safe driver in the past, most auto insurance providers will reward you with lower rates.

Your Driving Habits – If you don’t drive your car very much, tell your insurance agent. You may be eligible for a low mileage discount on your premium! This is also true if you live close to your workplace.

Your Location – Where you do your driving tells insurance providers how accident prone your region is, as well as how expensive repairs will be if you ever need to file a claim.

The Vehicle You Drive – The type of vehicle that you wish to insure (sedan, SUV, truck, etc.) will affect the quote you receive. Another factor that insurance providers consider is the age of the vehicle.

Your Vehicle’s Saftey Features – If your car has certain safety features, like extra airbags and a car alarm, insurance providers will often offer you lower rates.

Your Vehicle’s Business Use – If your car is ever used for a commercial purpose (delivery, transportation, etc for a business) you will probably pay a little extra for auto insurance.

Your Current Auto Insurance – Insurance providers don’t like to see gaps in insurance coverage. Some providers will charge you more if you don’t have a current policy.

To get one of the free and comprehensive Boston car insurance quotes for which Vargas and Vargas Insurance Agency is famous, all you need to do is call 617-298-0655. One of our service-centered representatives will be happy to gather the necessary information and start the quote process right away. And make sure to recommend us to your friends and family!

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5 Reasons Why You Shouldn’t Retire Early

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5 Reasons Why You Shouldnt Retire Early

Most people work their whole life to support themselves and their family, and to build up a nest egg so that they can enjoy their twilight years in retirement. If you are especially good at saving up for retirement, you may consider retiring before the current standard Social Security retirement age of 66.

While there is certainly something to be said for being able to retire early, it may not be the right choice for everyone! When you begin to consider retirement, make sure that you speak to a financial planner, and consider these five reasons why early retirement may not be the right course of action:

5 Reasons Why You Shouldn’t Retire Early

1. You will reduce your potential savings significantly.

It may seem obvious, but the less that you earn in your lifetime, the less money that you can save. This means that retiring early means less money in the bank! If you want to travel in retirement, or leave some money to your family or favorite charities, you will have more opportunity to do so if you continue to work and build up your savings with the extra paychecks.

2. You will get less Social Security benefits.

The amount that you get from Social Security changes depending on the age at which you start to collect. For example, people born between 1943 and 1954 would only receive 75% of the total allotted retirement benefit if they begin collecting at the earliest possible point (age 62). This is because they start collecting four full years before the standard retirement age of 66.

3. You will have increased health care costs.

Retiring early (at age 62) may cause you a bit of a health care conundrum. Retirement means that your employer-sponsored health care will expire, but you won’t be eligible for Medicare until age 65. This means that you will have to purchase your own health care policy for three years. Of course, if you are looking for your own health insurance policy, Vargas and Vargas Insurance Agency can help you find a great policy at a great price!

4. Your health and self-esteem may decline.

Many people take a great deal of pride in their job. Leaving the working world has been proven to take a toll on both health and self-esteem with the loss of ‘occupational prestige.’ This means the increased risk of being diagnosed with physical illness or depression. According to a study by IEA, “retirement increases your risk of clinical depression by 40 percent while raising your chances of being diagnosed with a physical condition by 60 percent.”

5. Your social circles will get smaller.

Work may be stressful, but the bond that you make with coworkers is substantial. Socialization at the workplace accounts for a considerable amount of relationships for most people, and lacking in those interactions several days a week can be taxing for some people.

If you want to speak to a professional financial planner about your retirement options, and to get advice about whether early retirement is right for you, call Vargas and Vargas Insurance Agency at 617-298-0655. The agents here at Vargas and Vargas Insurance can also help you with your home and auto insurance, health insurance, and much more, so call today!

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A Guide to Common Home Insurance Mistakes

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A Guide to Common Home Insurance Mistakes

Home insurance is something that every home owner needs, but that only few home owners truly understand fully. In the swamp of jargon, premiums, deductibles, coverage, and more, you’re lucky to have Massachusetts insurance experts in your corner!

Unfortunately, we see home insurance mistakes made each and every day. In an effort to ensure that our clients don’t run into any blunders when purchasing their home insurance coverage, we want to offer a short guide to five of the most common home insurance mistakes:

Not getting enough dwelling coverage.

One of the most prominent reasons to purchase insurance is to get coverage for your home in case of a catastrophe. If your home is destroyed, a home insurance policy will typically provide payment to cover rebuilding costs. Unfortunately, most people don’t invest in enough coverage to rebuild their home! Make sure that your insurance policy will provide enough of a payout that it could rebuild your whole home – if you need to make a claim because of a total loss, you won’t want to have to pay for any of the rebuilding yourself.

Forgetting to get adequate coverage for valuables.

The other prominent reason to purchase a home insurance policy is to get protection for your ‘stuff’ in case of a loss. Again, make sure that you have enough coverage to replace all of your things. This should include the typical furniture and electronics, but should also include your valuables. Ask your Massachusetts insurance agent about adding coverage for your family’s jewelry, antiques, collections, and more – this will ensure that you have complete coverage for your treasures.

Choosing the wrong deductible.

A deductible is the amount that you will need to pay out of pocket before your insurance policy kicks in. Choose too high a deductible, and your out-of-pocket payments may be hard to cover if you need to file a claim. On the other hand, if your deductible is too low, you will be paying more in premiums to compensate. If you are having trouble deciding what the right deductible is for you, ask a Boston insurance agent from Vargas and Vargas Insurance for advice!

Opting out of additional coverage.

Standard home insurance policies will protect you against a number of perils, typically including fire, wind, and more. If you want complete protection, though, make sure you add additional coverage for perils such as floods and earthquakes. The coverage is typically very affordable, and the peace of mind that comes with it is priceless. A Massachusetts insurance expert will be able to recommend the right coverage for you based on your home’s location.

You could get lucky with your first quote, but why take that chance? Instead of opting for the first home insurance policy that you get, call Vargas and Vargas Insurance Agency. With one quick call to 617-298-0655, you can give an agent all of your information and we will do the comparison shopping for you! If you want to find great coverage at a great price, Vargas and Vargas Insurance is for you, so call now.

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4 Tricks to Save Money on Your Boston Auto Insurance

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4 Tricks to Save Money on Boston Auto Insurance

As the premier Boston insurance agency, Vargas and Vargas Insurance Agency is always looking out for you – our customers. We want to make sure that you have a great Boston auto insurance policy, and that it comes at a great price. If you’re in the market to lower your car insurance premium (after all, who isn’t?) then check out these four tips from the insurance experts:

1. Consider insurance costs when buying a car.

Not everyone has the luxury to do this right away, but the next time that you buy a car, consider the cost to insure it. Generally, the more safety features a car has, the less it will cost to insure. Depending on the insurance provider that you use, you could receive discounts for a number of different safety features, including (but not limited to):

Encouraging you to have features that make your car less likely to be damaged or stolen is worth it to insurance providers, and discounts are how they show their appreciation for you valuing your asset. This means it may be worth considering getting some safety upgrades when you buy a new car – both for your auto insurance cost and for the health concerns of yourself and your future passengers. Nothing is too expensive when it could save the life of a loved one.

2. Maintain a good credit score.

Did you know that (according to research) drivers with a strong credit history are less likely to file claims on their Boston auto insurance policy? Knowing this association, some insurance providers will decrease your insurance premium if you have a high credit score.

How to improve your credit score could easily be its own post, but some quick tips to raising your score are: pay off debt, pay bills on time, limit the number of credit accounts that you have, and keep credit balances low.

3. Take advantage of “Low Mileage” discounts.

Do you drive less than the average driver? If so, talk to your insurance agent about your driving habits, and see if you qualify for a “low mileage” discount on your car insurance policy. Most people drive to and from work most days, in addition to running errands. If your car mostly sits in the driveway, you could qualify for a discount due to the fact that a car in a driveway is at a decreased risk for filing a claim. This discount sometimes also applies to people that carpool, so ask an insurance professional if you think that you may qualify.

4. Ask your agent about getting more discounts on your policy.

If you still think you’re paying too much for your Massachusetts car insurance, we encourage you to call Vargas and Vargas Insurance Agency at 617-298-0655. Our agents would love to review your unique situation, and can determine if there are any additional discounts for which you qualify. Our agents are experts at finding the best Massachusetts car insurance, so never fear – just call Vargas and Vargas Insurance now for a free quote!

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4 Ways to Save Money on an Engagement Ring

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4 Ways to Save Money on an Engagement Ring

Are there wedding bells in your future? If you’re getting ready to ‘put a ring on it’ as Beyoncé would say, make sure that you’re informed before buying one of the most expensive pieces of jewelry that you will likely own. In fact, there are many ways to save money on an engagement ring. Here are four common pieces of advice from the experts:

4 Ways to Save Money on an Engagement Ring:

1. Look for diamonds that weigh in just shy of critical weights.

When rings are being priced, jewelers often consider the carat weight of the diamond. You will pay a premium as the stone reaches higher and higher critical weights – multiples of half a carat. If you search for a stone that is 0.95 carats, you may find that it is noticeably less expensive than a ring will a full carat diamond, even though they look almost identical. Taking advantage of this knowledge could easily save you hundreds of dollars, depending on the carat weight of the ring you are considering.

2. Consider making your purchase online.

We buy almost everything online nowadays, but expensive jewelry is still something that we only seem to purchase in a store. Did you know, though, that you could save up to 20% on an engagement ring by buying it online? Online jewelry retailers are very competitive, meaning that they will agree to less margin than a traditional brick-and-mortar jewelry store.

If you don’t want to purchase the entire ring online, you can also consider purchasing the stone online, and having it set at your store of choice. You will save quite a bit on the stone, and will still be able to pick out a setting in person.

3. Buy in the summer for the best deals.

Summer is wedding season, so you may think that it would be the worst time of year to purchase a ring. In fact, exactly the opposite is true – because weddings are happening throughout the summer, engagements often take place in the Fall, Winter, or Spring.

This also means that summer can be a slow time for jewelers, meaning that you may have more luck trying to negotiate for a better deal as they are desperate for more sales. If you’re looking to buy before the start of summer, consider buying during the many Mother’s Day sales that jewelry stores advertise.

4. Embrace the trend of alternative stones and cuts.

Diamonds may be a girl’s best friend, but more and more engagement rings are breaking tradition. Nowadays, it’s not uncommon to see engagement rings made with other gemstones, including rubies, emeralds, sapphires, and more. In addition, engagement rings are also being made in a plethora of shapes – it’s not all just round anymore! If you want an alternative gemstone or nontraditional cut, you may be able to save a bit on the final price tag.

Once you’ve done your research and decided on a ring, make sure to call your Massachusetts insurance agent at 617-298-0655. Tell us all about the ‘bling,’ and we’ll help you add a rider to your home insurance or renter’s insurance policy so that it is protected.

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