When you’re simply on the lookout for the bottom value, a dealer won’t be your finest match.

That will sound odd coming from an insurance coverage dealer — however honesty is a part of the deal while you work with Vargas & Vargas.

We’re not right here to inform you what you need to hear. We’re right here to inform you what you have to know.

With 45+ years within the insurance coverage trade, we’ve seen what occurs when folks chase the most cost effective premium and ignore the tremendous print. It normally ends with massive out-of-pocket bills, confusion throughout claims, or gaps in safety they by no means knew existed.

On this article, we’ll clarify precisely when working with a dealer is smart — and when it doesn’t.

If Value Is All That Issues, a Direct Firm Would possibly Be a Higher Match

Let’s be actual — if you happen to’re solely within the lowest month-to-month premium
, a direct insurer like GEICO or Progressive would possibly provide you with what you’re on the lookout for. You’ll be able to quote on-line, click on just a few buttons, and get protection quick.

However what do you surrender in alternate for that value?

Extremely-low quotes typically imply:

Decrease legal responsibility limits (leaving you uncovered)
No water backup protection
Hidden deductibles
No advisor that will help you if one thing goes flawed
Having Deductibles the place there ought to be none
Quick time period insurance policies (6 months as an alternative of 12 months)

And when catastrophe strikes? You’re left alone with a 1-800 quantity and a coverage you don’t totally perceive.

What Makes a Dealer Totally different — and Why It Issues

We don’t work for one firm. We work for you.

As an unbiased dealer, we accomplice with 12 to fifteen top-rated insurance coverage carriers
and evaluate their choices based mostly on:

Your private danger components
The worth of your own home or car
Your price range and deductible preferences
What’s really coated
— not simply the value

Meaning you get the very best worth, not simply the very best value.

And right here’s the half most individuals miss:
Earlier than each single renewal, we re-check your coverage.
If one thing has modified or a greater possibility is out there, we’ll attain out and stroll you thru the professionals and cons of switching — with out strain.

Our Promise: Recommendation First, Gross sales Second

We’ve been serving purchasers in Boston and past for over 45 years. Throughout that point, we’ve earned a popularity for being the staff that tells it like it’s — even when which means telling somebody we would not
be their finest match.

We’re not on this for one sale. We’re in it for the lengthy haul.

Our purchasers follow us as a result of they know we deal with their coverage prefer it’s our personal — and we by no means disappear after the paperwork is signed.

Nonetheless Questioning If a Dealer Is Proper for You? Right here’s What to Do Subsequent

You got here right here to determine if working with an insurance coverage dealer is the precise transfer — and possibly found that for some folks, it’s not. That’s okay.

However if you happen to’re on the lookout for greater than only a low cost fee — if you’d like actual recommendation, actual protection, and somebody in your nook for the long term — Vargas & Vargas is right here for you.

📞 Name us at 617-298-0655
or request a quote on-line.