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Deciding Which Car Insurance Policy Best Fits Your Needs

Kent A. Bennett Associates Inc. Can Tailor a Car Insurance Policy for You

Deciding which car insurance policy best fits your needs is our inaugural blog. Choosing the right insurance for your budget and vehicle can be daunting. The agents at Kent A. Bennett Associates Inc. want to help. When deciding on a car insurance policy, it’s important to consider:

  • Whether it’s affordable and if you can bundle it with other insurance policies
  • The included coverages
  • If the policy has amenities from which you’d benefit
  • How you can make your payments

Is the Policy Affordable & Can It Bundle with Other Insurance Policies?

Probably the most important factor to consider when deciding on car insurance is whether or not it’s affordable. Obviously, if you can’t afford the payments, then the policy won’t work for your needs. One way to enable affordable car insurance policies is when they bundle with other insurance policies.

How is Choosing to Bundle Car Insurance and Others Affordable?

Often, choosing to bundle your car insurance with other policies simplifies your budget, as premiums often combine into one payment. Most companies, like Kent A. Bennett Associates Inc., also discount insurance premiums when you bundle car insurance and other policies. This practice is also known as a multi-policy discount—hence, why choosing to bundle makes car insurance affordable.

What Are the Coverages and Extra Amenities Included with the Policy?

Beyond determining if car insurance is affordable, another important factor is the coverage—what’s included, especially amenities. Does it include collision coverage, comprehensive coverage, or both? The Pennsylvania Department of Motor Vehicles requires liability car insurance, to cover property damage or injuries resulting from car accidents. Amenities are anything that includes coverage beyond state minimum requirements.

PA DMV Required Car Insurance Coverages

  • Medical Benefits, $5,000 minimum limit
  • Bodily Injury Liability, $15,000 to one person, $30,000 for one accident minimum limit
  • Property Damage Liability, $5,000 minimum limit
  • Limited or Full Tort coverage (for potential lawsuits)

Possible Car Insurance Amenities/Extra Coverages

  • Collision coverage
  • Comprehensive coverage
  • Uninsured Motorist (UM) coverage
  • Underinsured Motorist (UIM) coverage
  • Rental reimbursement coverage
  • Towing coverage
  • Gap coverage
  • Accidental death benefits
  • Income loss

How Often Are the Payments Due and in What Ways Can I Make Them?

After concluding that car insurance is affordable with appropriate coverage and amenities, how often payments are due come into play. Often, car insurance premiums are calculated annually, though sometimes they’re done bi-annually (every six months.) Many times, insurance companies can break down premiums into monthly payments. These days, most companies offer online payments, as well as accept mailed checks and credit or debit cards by phone. Sometimes having automatic payments discounts premiums even further than simply choosing to bundle policies.

For more information about insurance, call Kent A. Bennett Associates Inc. Inc at (800) 548-9119. Follow us on Facebook for updates. We are happy to discuss more about which car insurance policy best fits your needs.