What is the Best Type of Car Insurance Policy in New Bedford?

Whether you are buying a new car or simply want to review your existing auto insurance in New Bedford, MA it can be helpful to know what types of car insurance exist so you can make a more informed decision. When you find a New Bedford insurance agent you can trust, someone who has your back and can guide you through the process, it becomes a lot easier. For most individuals, the whole idea of buying insurance of any kind can be confusing. To ensure that you have the best car insurance policy in New Bedford that is based on your unique needs and situation, contact an experienced MA auto insurance agent at Borden Insurance. Since 1909, this family-owned and operated insurance company has provided comprehensive insurance policies and services to individuals and businesses in the South Coast communities – and we can help you, too!

Identify Your Needs

A good agent will begin by identifying your needs when it comes to auto insurance in New Bedford, MA, and the surrounding area. The age of the vehicle, the make and model, the demands of the lender if you are still paying on a loan – all of these factors come into play when setting up a new policy. There are several different types of coverage that can help to protect you, your passengers, and your vehicle if you are ever involved in an accident. Depending on where you live and any additional requirements made by your auto lender, some of these coverages might be mandatory, while others could be optional. Your New Bedford auto insurance agent at Borden Insurance can walk you through this process and help you to choose the best coverage for your needs.

The different types of coverage options most commonly purchased include:

• comprehensive coverage
• collision coverage
• auto liability coverage
• uninsured and underinsured motorist coverage
• medical payments coverage
• personal injury protection coverage

What Does It All Mean?

Unless you have a lot of experience working with auto insurance in New Bedford, MA, these different types of coverage might be somewhat confusing. If you have an existing policy with another carrier, a New Bedford insurance agent can go over your coverage with you to determine whether you have enough. An experienced MA auto insurance agent can help you spot the areas where savings can occur and ensure that you have the amount of coverage you need to protect yourself and your investment. Below you will find a basic overview of each type of coverage. For specific details or any questions regarding your car insurance policy in New Bedford, please contact an agent directly. We can answer any questions you might have and help you to better understand what is and is not covered.

• Comprehensive – covers non-accident incidents, such as theft, vandalism, fire, and hail; pays to repair or replace the vehicle up to the actual cash value if the damage is covered; a deductible is attached to this type of coverage, which is the amount of money you pay out of pocket before the insurer reimburses the covered claim; optional, yet some lenders require it while an auto loan is active
• Collision – just as it sounds, this coverage is for when you are in an accident with another vehicle or if you were to hit an object, such as a wall or street light; helps to pay for the repair or replacement of the vehicle up to the actual cash value if the damage is covered; another optional type of insurance, some lenders may require it while an auto loan is still active
• Auto Liability – mandatory coverage required in most states; a minimum amount of liability is set by the state and includes two components – bodily injury liability for costs associated with another person’s injuries if you cause an accident and property damage liability for cost associated with damage caused to another person’s property while you are driving
• Uninsured and Underinsured – if you are in an accident with a driver who does not have insurance or does not have enough insurance, this type of coverage can help cover those costs; some states require this type of coverage, while it is optional in others
• Medical Payments – provides coverage if you, your passengers, or family members who are driving the vehicle become injured in an accident; can help to pay for costs associated with injuries, such as surgery, X-rays, hospital visitors, and more; required in some states, yet optional in others
• Personal Injury Protection – also known as PIP, this type of coverage is not available in all states; designed to pay for medical expenses after an accident, as well as other expenses incurred due to injuries, such as lost income or childcare services

Other Types of Auto Insurance in New Bedford, MA

Speak with your trusted MA auto insurance agent to find out about other types of coverage that can be added to or purchased in addition to your existing car insurance policy in New Bedford. New car replacement coverage, classic car insurance, ride-sharing coverage, and towing cost coverage are just some of the other options. GAP insurance coverage and specialty policies, such as sound system insurance and rental reimbursement coverage, can also be beneficial for many vehicle owners. If you would like to learn more about auto insurance in Massachusetts, contact a New Bedford insurance agent at Borden Insurance by calling 508-999-3636.