Households with more than one vehicle can insure them on a single policy or on separate ones through United Insurance Services, serving Bluffdale, UT. Each approach works well in the right situation, so the decision comes down to how the household uses its vehicles.
Convenience of One Policy
With a multi-car policy, all vehicles and insured drivers are covered by one policy. This allows the family to have one renewal date, one set of paperwork, and one customer service representative to contact with any inquiries. Insureds can coordinate coverages among cars, which eliminates the possibility of unintentionally providing inadequate coverage to one vehicle. A new vehicle purchased is usually as simple as placing a phone call to the agent.
Shared Limits and Claims
One policy also equals shared characteristics. Liability limits are reached per accident, not per vehicle. Claims are reported on one combined policy history. When a household has a teen driver, classic car or a vehicle used for business, an insurer might treat that vehicle differently than others and a separate policy can sometimes allow for it to fit better. Separate policies also appeal to some households when each driver wants to be with a different company or has varying needs, such as higher limits for a longer commute.
Placing both side by side really gives the most straightforward answer. You can inquire with your auto insurance agent at United Insurance Services, serving Bluffdale, UT, about how each vehicle would be rated, who drives what cars and what would occur if you traded or sold a vehicle mid-term. It also pays to compare deductibles, rental reimbursement and roadside assistance on each vehicle to ensure the coverage fits how you use that vehicle. Give us a call and find out how.