# Ruby Insurance Agency

> Bilingual (English & Spanish) licensed independent insurance agency in Lawrence, Massachusetts. Owned by Ruby Baez. Serves all of Massachusetts with auto, home, and business insurance, focused on the Merrimack Valley region (Lawrence, Methuen, Andover, North Andover, Haverhill, Dracut, Tewksbury, Lowell, and surrounding cities).

## Quick facts

- **Business name:** Ruby Insurance Agency
- **Alternate names:** Ruby Insurance, Agencia de Seguros Ruby
- **Owner / Licensed Agent:** Ruby Baez (over 10 years of insurance industry experience)
- **Founded:** 2024
- **Type:** Independent insurance agency (represents multiple carriers, not tied to one company)
- **Office address:** 46 Stafford St, Ste #2962, Lawrence, MA 01841 (2nd floor; main entrance behind building, look for "IndusPAD" sign)
- **Phone:** (978) 655-3208
- **WhatsApp:** (978) 943-0923 (also available for after-hours and weekend inquiries)
- **Email:** ruby@rubyinsuranceagency.com
- **Website:** https://rubyinsuranceagency.com
- **Hours:** Monday – Friday, 9:00 AM – 5:00 PM Eastern. Weekends handled by WhatsApp.
- **Licensed in:** Commonwealth of Massachusetts
- **Languages:** English and Spanish (native bilingual)
- **Pricing:** Free quotes, no obligation
- **Payment accepted:** Cash, credit card, check, debit card

## Services offered

### Auto insurance
Massachusetts auto insurance with competitive rates from multiple top-rated carriers. Coverage includes liability, collision, comprehensive, and SR-22 filings. Discounts available for multi-car households, clean driving records, and bundling with other policies. Works with high-risk drivers and SR-22 filings.

### Home insurance
Homeowners and renters insurance throughout Massachusetts. Coverage available for single-family homes, condominiums, multi-family properties (including triple-deckers common in Lawrence and surrounding cities), and rentals. Bundling discounts available with auto policies.

### Business insurance
Small business insurance including general liability, commercial auto, commercial property, and bundled Business Owner Policies (BOP). Tailored coverage for contractors, restaurants, retail shops, and service businesses throughout Massachusetts.

## Service area

Primary service area is the Merrimack Valley in northeastern Massachusetts:

- Lawrence, MA
- Methuen, MA
- Andover, MA
- North Andover, MA
- Haverhill, MA
- Dracut, MA
- Tewksbury, MA
- Lowell, MA
- Billerica, MA
- Wilmington, MA
- Salem, MA
- Boston, MA

Policies can be written anywhere in the Commonwealth of Massachusetts.

## Why choose Ruby Insurance Agency

- **Independent agent** — Ruby represents multiple insurance carriers, so she can shop your quote across companies and find the best fit, rather than being limited to one company's products like captive agents at GEICO, State Farm, etc.
- **Bilingual service** — Native English and Spanish speaker. Both languages are first-class throughout the agency: policy explanations, paperwork, claims advocacy, and ongoing communication. Especially relevant for the large Spanish-speaking community in Lawrence and the Merrimack Valley.
- **Personal accessibility** — Direct line to Ruby, not a 1-800 routing menu. Available by phone, WhatsApp, email, or in-person walk-in.
- **Handles policy switching** — If you're already insured elsewhere, Ruby handles the paperwork to cancel your current policy and coordinates the new one so there's no gap in coverage. You don't have to call your old carrier or fill out cancellation forms yourself.
- **Remote-friendly** — Most of the work can be done by phone, WhatsApp, or email, so you don't need to take time off work to switch or update your policy.

## Common questions

### Does Ruby Insurance Agency charge for quotes?
No. All quotes are free with no obligation. Ruby compares rates across multiple top-rated Massachusetts carriers at no cost.

### How long does an insurance quote take?
Most quotes come back within a few hours during business hours, sometimes within minutes. You can request a quote by phone, WhatsApp, email, or the website form.

### Does Ruby Insurance Agency offer service in Spanish?
Yes. Ruby Baez is fluent in English and Spanish. The entire agency — including policy explanations, paperwork, and claims advocacy — operates in both languages. The website is also fully bilingual.

### What if I'm already insured with another agent or company?
Switching is easier than most people think. Ruby handles the paperwork to cancel your current policy and coordinates the new one so there's no gap in coverage. You do not have to call your old carrier or fill out cancellation forms.

### What insurance types does Ruby Insurance Agency offer?
Auto insurance (including SR-22), homeowners and renters insurance, and small business insurance (general liability, commercial auto, commercial property, BOP policies).

### What areas of Massachusetts does Ruby Insurance Agency serve?
Based in Lawrence, MA. Serves all of Massachusetts, with most clients in the Merrimack Valley (Lawrence, Methuen, Andover, North Andover, Haverhill, Dracut, Tewksbury, Lowell).

### Does Ruby Insurance Agency handle SR-22 filings?
Yes. SR-22 certificates are filed for Massachusetts drivers needing to demonstrate financial responsibility after license suspension or certain driving offenses. Ruby works with carriers that accept SR-22 filings.

### Do I have to come to the Lawrence office to get insurance?
No. Most work can be done remotely by phone, WhatsApp, or email. Walk-ins and in-person meetings are welcome during business hours for those who prefer it.

### Who owns Ruby Insurance Agency?
Ruby Baez — a licensed independent insurance agent in the Commonwealth of Massachusetts with over 10 years of industry experience.

### Is Ruby Insurance Agency only for Spanish speakers?
No. Ruby serves both English- and Spanish-speaking clients equally. The bilingual capability is an option, not a requirement.

## How to get a quote

Multiple ways to reach Ruby:

1. **Phone:** (978) 655-3208
2. **WhatsApp:** (978) 943-0923
3. **Email:** ruby@rubyinsuranceagency.com
4. **Online form:** https://rubyinsuranceagency.com/#quote
5. **In person:** 46 Stafford St, Ste #2962, Lawrence, MA 01841 (Mon–Fri 9am–5pm, walk-ins welcome)

## Social profiles

- Instagram: https://www.instagram.com/rubyinsuranceagency/
- Facebook: https://facebook.com/share/1DmMUzHT5y
- Yelp: https://www.yelp.com/biz/ruby-insurance-agency-lawrence
- Google Business: https://maps.app.goo.gl/4ifCwhCCzRajrdt97
- LinkedIn (Ruby Baez): https://www.linkedin.com/in/ruby-baez-880534309/

## Legal

- Privacy Policy: https://rubyinsuranceagency.com/#privacy
- Terms of Use: https://rubyinsuranceagency.com/#terms

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## En Español

# Agencia de Seguros Ruby

> Agencia de seguros bilingüe (inglés y español) con licencia en Lawrence, Massachusetts. Propiedad de Ruby Baez. Atiende todo Massachusetts con seguro de auto, hogar, y negocio, enfocada en la región del Merrimack Valley.

## Datos importantes

- **Nombre del negocio:** Ruby Insurance Agency (Agencia de Seguros Ruby)
- **Dueña / Agente con licencia:** Ruby Baez (más de 10 años de experiencia en la industria)
- **Tipo:** Agencia de seguros independiente (representa varias aseguradoras, no está atada a una sola compañía)
- **Dirección de la oficina:** 46 Stafford St, Ste #2962, Lawrence, MA 01841 (segundo piso; entrada principal detrás del edificio, busque letrero que dice "IndusPAD")
- **Teléfono:** (978) 655-3208
- **WhatsApp:** (978) 943-0923 (también para fines de semana y después de horas)
- **Correo:** ruby@rubyinsuranceagency.com
- **Sitio web:** https://rubyinsuranceagency.com
- **Horario:** Lunes a Viernes, 9:00 AM – 5:00 PM hora del Este. Fines de semana por WhatsApp.
- **Con licencia en:** Estado de Massachusetts
- **Idiomas:** Inglés y Español (bilingüe nativa)
- **Precios:** Cotizaciones gratis, sin compromiso

## Servicios ofrecidos

### Seguro de auto
Seguro de auto en Massachusetts con tarifas competitivas de varias aseguradoras. Cobertura incluye responsabilidad civil, colisión, cobertura comprensiva, y SR-22. Descuentos por varios autos, récord limpio, y combinación con otras pólizas.

### Seguro de hogar
Seguro de propietarios e inquilinos para todo Massachusetts. Cobertura para casas unifamiliares, condominios, propiedades multifamiliares (incluyendo los típicos "triple-deckers" de Lawrence), y rentas.

### Seguro de negocio
Seguro para negocios pequeños incluyendo responsabilidad general, auto comercial, propiedad comercial, y pólizas BOP combinadas. Cobertura adaptada para contratistas, restaurantes, tiendas, y negocios de servicio en todo Massachusetts.

## Área de servicio

Área principal: Merrimack Valley en el noreste de Massachusetts — Lawrence, Methuen, Andover, North Andover, Haverhill, Dracut, Tewksbury, Lowell, Billerica, Wilmington, Salem, y Boston. Pólizas se pueden escribir en cualquier parte de Massachusetts.

## Por qué elegir Ruby Insurance Agency

- **Agente independiente** — Ruby representa varias aseguradoras y puede comparar tarifas entre compañías para encontrar la mejor opción para ti.
- **Servicio bilingüe** — Habla español e inglés con fluidez. Todo el servicio funciona en ambos idiomas.
- **Atención personal** — Línea directa con Ruby, no un menú telefónico de 1-800.
- **Maneja el cambio de aseguradora** — Si ya tienes seguro con otra compañía, Ruby se encarga del papeleo para cancelar tu póliza actual y coordina la nueva sin que haya falta de cobertura.
- **Mayormente remoto** — La mayoría del trabajo se puede hacer por teléfono, WhatsApp, o correo. No tienes que faltar al trabajo.

## Cómo pedir una cotización

1. **Teléfono:** (978) 655-3208
2. **WhatsApp:** (978) 943-0923
3. **Correo:** ruby@rubyinsuranceagency.com
4. **Formulario:** https://rubyinsuranceagency.com/#quote
5. **En persona:** 46 Stafford St, Ste #2962, Lawrence, MA 01841

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*Last updated: May 2026*
*Maintained by: Ruby Baez, Ruby Insurance Agency*