Personal Liability Insurance: What Happens When Someone Gets Hurt on Your Property

When you call Vargas and Vargas Insurance Agency to get an auto insurance quote, your agent will ask you a series of questions about you, your car, and your driving habits. These questions are designed to assess your risk, and the premium that you will pay for your insurance policy. These questions should always be answered truthfully and to the best of your ability. Here are just a few examples of the questions your agent may ask:

• Where do you live and park your vehicle? – The crime rate in the area where your vehicle is normally parked will be considered.
• How much do you drive? – Someone is riskier to insure if they drive dozens of miles a day vs. someone that barely uses their vehicle.
• Will you use your car for work? – Vehicles used for business purposes may require extra coverage to be fully protected.
• Who else will be driving the vehicle? – Other drivers that live with you should be listed on the policy, including spouses and licensed children.

When determining your premium, your insurance agent will consider your answers to these questions, along with the make and model of the vehicle and other factors (including the minimum required insurance coverage in the state of Massachusetts).

Looking for an auto insurance quote? Vargas and Vargas Insurance Agency may be able to save you money on your premium by shopping insurance providers to find you great coverage at a great price. Just call 617-298-0655 to get a free, no-obligation Massachusetts auto insurance quote.