For those who’re simply on the lookout for the bottom worth, a dealer won’t be your greatest 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’ll want to know.
With 45+ years within the insurance coverage business, we’ve seen what occurs when individuals chase the most affordable premium and ignore the tremendous print. It normally ends with large 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 sensible — and when it doesn’t.
If Value Is All That Issues, a Direct Firm May Be a Higher Match
Let’s be actual — when you’re solely within the lowest month-to-month premium, a direct insurer like GEICO or Progressive may provide you with what you’re on the lookout for. You possibly can quote on-line, click on just a few buttons, and get protection quick.
However what do you surrender in alternate for that worth?
Extremely-low quotes typically imply:
- Decrease legal responsibility limits (leaving you uncovered)
- No water backup protection
- Hidden deductibles
- No advisor that can assist you if one thing goes incorrect
- Having Deductibles the place there needs 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 impartial dealer, we associate with 12 to fifteen top-rated insurance coverage carriers and evaluate their choices based mostly on:
- Your private danger components
- The worth of your property or car
- Your funds and deductible preferences
- What’s really coated — not simply the value
Meaning you get the very best worth, not simply the very best worth.
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 choice is offered, 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 repute for being the workforce that tells it like it’s — even when which means telling somebody we would not be their greatest 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 proper transfer — and possibly found that for some individuals, it’s not. That’s okay.
However when you’re on the lookout for greater than only a low cost price — if you need 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.
You’ll get:
- A side-by-side comparability of protection, not simply worth
- A coverage tailor-made to your real-life wants
- A dealer who checks in earlier than renewal — not simply while you name
