Should you’re simply in search of the bottom value, a dealer may not be your greatest match.
That will sound odd coming from an insurance coverage dealer — however honesty is a part of the deal whenever 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 it’s essential know.
With 45+ years within the insurance coverage trade, we’ve seen what occurs when folks chase the most affordable premium and ignore the nice 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 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 may provide you with what you’re in search of. You possibly can quote on-line, click on a number of buttons, and get protection quick.
However what do you surrender in change for that value?
Extremely-low quotes usually imply:
- Decrease legal responsibility limits (leaving you uncovered)
- No water backup protection
- Hidden deductibles
- No advisor that will help you if one thing goes improper
- Having Deductibles the place there ought to be none
- Brief time period insurance policies (6 months as a substitute 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 associate with 12 to fifteen top-rated insurance coverage carriers
and examine their choices based mostly on:
- Your private threat components
- The worth of your property or car
- Your finances and deductible preferences
- What’s really coated
— not simply the worth
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 on the market, 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 shoppers in Boston and past for over 45 years. Throughout that point, we’ve earned a status for being the crew that tells it like it’s — even when which means telling somebody we’d not
be their greatest match.
We’re not on this for one sale. We’re in it for the lengthy haul.
Our shoppers persist with 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 perhaps found that for some folks, it’s not. That’s okay.
However if you happen to’re in search of greater than only a low cost fee — 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.
- A side-by-side comparability of protection, not simply value
- A coverage tailor-made to your real-life wants
- A dealer who checks in earlier than renewal — not simply whenever you name
