How Often Should Your Review Your New Bedford Auto Insurance?
Some types of bills are just a fact of life, like electric, gas, and water, having car insurance in New Bedford for your vehicle is required. However, it pays to know what type of coverage you have and what kinds of accidents or incidents you are covered for as part of your policy. Developing a relationship with your local New Bedford insurance agent can help. They can answer any questions that you might have about your MA auto insurance policy, assist you in making updates and changes to your coverage to adjust to your needs, and help you save money, whenever possible.
Check It When It’s Time to Renew
Whenever your New Bedford auto insurance comes up for renewal, it’s a good idea to speak with your agent and perform a quick review. What changes have happened in your life or with your vehicle since last year? Has the insurance company made any changes that you need to know about regarding your coverage? Sometimes state laws and requirements change as well, so if you have any questions about things that you notice on your offer of insurance, it’s a good idea to just call your New Bedford insurance agent. Check essential points, such as deductibles, discounts, coverage for liability, added coverage for personal possessions, and anything else that sticks out to you.
Check It When You Pay Off Your Vehicle
When you buy a brand new or used vehicle, the lender often requires what is known as “full coverage” for the vehicle while you are still making payments. For some car owners, full coverage may not be needed once they pay off the loan. Visit your local insurance agency to find out about what is covered under your policy for car insurance in New Bedford. You may want to reduce your coverage in some areas that mattered more to the lender while increasing coverage to provide protection for things that were previously not covered. While you will still need to maintain at least the minimum requirement for Massachusetts, once you pay off your vehicle, there are a lot of options that can be added or removed with regard to your policy coverage.
Check It When You Add or Remove a Vehicle
When you add a brand new or used vehicle to your insurance policy or if you sell and remove a vehicle from your coverage, it’s a good time to check out the rest of your New Bedford insurance to make sure you have the protection that you require. When adding a new vehicle, you might be eligible for a multi-car discount, which could lower your car insurance in New Bedford. However, removing a vehicle could also mean losing a discount that you earned for having coverage for more than one car. Speak with your New Bedford insurance agent and don’t be afraid to ask questions, especially if a term is confusing. Most people don’t know all of the lingo associated with the insurance industry, so don’t ever be worried about asking if you aren’t sure.
Check It When You Make Upgrades
Some vehicle owners like to add aftermarket upgrades to their cars and trucks to make them more suitable for the way they want to use them. Increased security, a better sound system, added display screens so the kids can watch videos in the backseat – the list goes on and on. Whenever you make an upgrade to your vehicle, make sure to contact your New Bedford insurance agent to let them know. It might not impact your premium, but it is still essential to ensure that you are covered for any losses or damage suffered if you are ever in an accident or have your vehicle stolen.
Check It When Your Life Changes
Got married? Got divorced? Are the kids ready to start taking drivers education at school? These are all significant life changes with regard to your MA auto insurance policy that should be reported to your New Bedford insurance agent. Your policy premium could go up or down, depending on what changes, but you need to notify your agent as soon as possible to ensure that you are covered fully for car insurance in New Bedford. If you do not report an essential change and are then in an accident, your claim might not be covered. New drivers, removed drivers, student drivers, or even just a trip outside of the country should all be discussed with your agent to ensure comprehensive coverage and protection.
Ready to Get a FREE Auto Insurance Quote?
Just contact one of our team members at Borden Insurance to get a FREE auto insurance quote for your vehicle. We can answer any questions that you might have about your existing MA auto insurance policy and suggest changes that will help you maximize the return on your investment and protect your assets. Give us a call at 508-999-3636 and make sure to tell the agent on the phone that you want a FREE quote for car insurance in New Bedford and the surrounding Southeastern Massachusetts area.