Get the Best Auto Insurance in New Bedford for New & Used Cars
Whether you own a new or used vehicle, the law is clear: you must have car insurance in New Bedford to cover you and your vehicle in the event of an accident. It doesn’t matter if you are at-fault in an accident or not, you must have auto insurance in New Bedford, MA according to state law. If you are looking to purchase a new or used vehicle, or if you just want to get a fresh quote on your insurance to see if you can save, contact Borden Insurance agency in New Bedford. We can provide you with a FREE quote to help you get started and go over all of the different types of coverage that are available, according to your needs. Just contact a New Bedford insurance agent at Borden Insurance to get started – it’s that easy.
How Much Insurance Do You Need?
The first thing you need to do is find out about the minimum requirements in Massachusetts to ensure that you are legally covered. In some cases, the minimum might be all you need to effectively cover your assets and protect you in the event of an accident. However, for best results, confer with a licensed and experienced New Bedford insurance agent who can provide you with insight as to the different types of auto insurance and all of the specific ways that the various policies can protect you.
There are different things that can be done to help keep premiums low. Higher deductibles result in lower premiums, but it is important to remember that the deductible is the amount that you would have to pay before the insurance company kicks in when you file a claim for car insurance in New Bedford. While a zero deductible sounds ideal, it does not always result in affordable monthly premiums. Choose a deductible that you can handle in the event of an accident, such as $500 or $1000, according to your own financial situation.
Your coverage should be for an amount that is equal to the total value of your assets. However, there are other considerations, such as the amount that would be required to pay for damage caused to other vehicles, should you be at-fault. When you meet with an agent to discuss auto insurance in New Bedford, MA, talk about coverage options for liability, bodily injury liability, property damage, personal injury protection (PIP), uninsured or underinsured motorist, collision, and comprehensive. Each type of coverage protects in different ways. Comprehensive is used if your car is stolen or damaged outside of an accident, while collision is what covers repairs to your vehicle after an accident.
Why Choose More Than the Minimum?
Most vehicle owners work with an insurance agency in New Bedford to pick an MA auto insurance policy that exceeds the state’s minimum requirements. Depending on the current regulations, you might not be fully covered if you are in a serious accident. So how much coverage do you currently have? The numbers on the policy represent the different types of coverage and the coverage limits that will be paid by the insurance company. For example, a policy that states 15/30/15 would cover $15,000 for individual medical expenses incurred during the accident, $30,000 for the entire group involved in the accident’s expenses, and another $15,000 for auto repairs. When you think about how much vehicles are worth these days and the cost of medical services, this is nowhere near enough coverage.
When the costs exceed your coverage limits, you are financially responsible for the rest. This is the primary reason why so many people opt to purchase a policy that goes above and beyond the state minimums. A good rule of thumb is to choose a policy that will protect you in an amount equal to all of your assets, including your home, vehicles, savings, investments, and other valuable belongings. If someone were to sue you above and beyond the covered amount, you need to protect those assets. Work with a trusted New Bedford insurance agent to make sure that you are fully covered and protected through the various insurance policies that you have with their agency. Home, auto, and other personal insurance policies are designed to protect you in just about any situation.
Get a FREE Quote at Borden Insurance Agency in New Bedford
If you are shopping for auto insurance in New Bedford, MA, be sure to contact our team to get a complete quote for your personal insurance needs. One of our experienced and friendly New Bedford insurance agent team members will work with you to answer all of your questions and ensure that you have the proper coverage. Car insurance in New Bedford does not have to be confusing. Let Borden Insurance agency make it simple and provide you with the comprehensive coverage that you need to protect the things that matter most.