As your personal agent, I will assist you in determining the insurance and financial services that best fit your needs. It is my mission to keep you informed and help develop the right strategies to meet your needs as they change. Whether preparing for life events or the unexpected, my knowledge and training provides my agency with the ability to make sure you get superior, personalized, professional customer service.
Pam Barna works with me to give you the service that you deserve. She has worked with me for many years and looks forward to assisting in any way she can.
My office has been located in the Fox Valley area since 1982. I currently reside in Naperville with my wife, 3 children, including 2 middle-schoolers and #1 son who has returned home from 5 years serving in the US Navy to attend school, enrolled in a firefighter program, a dog and several cats.
In between my college education at Loyola's north shore campus in Chicago and my training with Farmers Insurance Group, I worked for 11 years at Weiss Memorial Hospital in Chicago as a radiologic technologist.
Ken Boncela Insurance Agency is a reliable Oswega auto insurance provider that cares for every one of its clients. Let us take care of your insurance needs so you can feel secure.
Oswego Auto Insurance: Staying Insured in Tough Times
Everyone's looking for ways to cut back in these tough economic times. Many of us can find ways to save a few dollars here and there, but cutting out auto insurance shouldn’t even be considered. Cutting back on auto insurance may seem like a quick solution, but it's really just a short term gain that could end up costing you big time. What if you're in an accident and have no coverage for medical expenses? Never cancel your policy or let it lapse without contacting your Oswego auto insurance agent first.
Your auto insurance policy is there to protect you in the case of an accident. It helps to cover your expenses, should you be injured or need repairs on your vehicle after an accident. Your insurance can provide protection in the case of a lawsuit, if you are found liable for a vehicle accident. Clearly cutting back on your auto insurance, even if it means a short term savings, is not an option. If you drive, auto insurance is a necessity. More importantly, it’s the law. Talk with a knowledgeable auto insurance carrier to find realistic ways to save on your premiums.
Oswego Auto Insurance: How Much Coverage Do You Need?
If a tight budget has you rethinking your expenses, maybe it’s time to go over your policy with your Oswego auto insurance agent. There are a number of things you can do to ensure you’re getting the best auto insurance coverage for your dollar. Keep in mind that every person’s circumstances are different, and what might be right for someone else’s coverage might not work for you. By going over your policy with a skilled Oswego auto insurance agent, you can weigh your options and possibly find some potential savings.
The first thing you need to do is determine how much auto coverage you actually need. There are minimums that the law requires you to carry. These include bodily injury and property damage coverage, but these minimums do not always provide sufficient coverage. If you are found to be at fault for an accident and the other party’s damages or injuries exceeds your coverage, a potential lawsuit could put your home and personal possessions at risk. Your Oswego auto insurance carrier can help you determine the amount of insurance coverage you should have.
Oswego Auto Insurance: Finding the Savings
Once you and your Oswego auto insurance agent have determined what coverage you should carry, you can then look at some of the optional things you may not need. Ask about rental car coverage. If your policy coverage includes the cost of a rental car, it can add to the cost of your insurance. Again, this will depend on your particular needs. If you can do without a rental vehicle, you could save on the cost of your premiums by eliminating it. Ask your Oswego auto insurance agent what things you can drop from your coverage and still be adequately insured.
What kind of car do you drive? If you have an older vehicle, you might be able to drop your collision coverage. If your car is only worth a few hundred dollars, it could be costing you more in yearly insurance rates than the total value of your car. An older car often costs less to repair. But this only applies to the collision coverage of your insurance policy. No matter the year of your vehicle, you still need to have the basic required coverage. You can go over the numbers with your Oswego auto insurance carrier to see if the age of your car warrants dropping the collision coverage.
Ask your Oswego auto insurance agent about taking a higher deductible. The deductible is the part of the repair expenses that you will have to pay up front before your insurance carrier will cover the remainder of the damages. Probably the easiest way to save on your auto insurance is to take a higher deductible. By accepting a higher deductible you could be saving a considerable amount of money annually. But you will need to make certain you’ll be able to afford the higher deductible if you should ever need to make a claim.
Oswego Auto Insurance: There for You When You Need Help
One major way to find potential savings with your auto insurance is to look at some possible discounts that your Oswego auto insurance company may offer. Ask about a discount if you purchase more than one type of insurance from the same company. Get all your insurance from one company and save money at the same time. This is especially true if you can get your homeowner’s and auto insurance through one carrier. Ask your Oswego auto insurance agent about this option.
There are a number of other discounts that may be available from your Oswego auto insurance company. How much do you drive? Ask about discounts if you’re a low-mileage driver. Less time on the road means there's less risk of an accident. Are you over 55 years old? Ask about senior driver discounts. Older drivers are usually considered to be safer drivers. Sign up for a driving safety course. Taking a course can help you improve your driving safety awareness and save you a little money in the process. Talk with your Oswego auto insurance carrier about the discounts they may offer.
Don’t let financial difficulties make you do without the necessities. If you drive, you need auto insurance. The risk of driving without it can greatly overshadow any money you think you might be saving. Discuss your situation with a qualified Oswego auto insurance agent. He’s there to help you find affordable solutions. Remember that every driver’s circumstances are different, but there are things you can do. If you’re feeling the pinch of these hard economic times, talk with your Oswego auto insurance carrier. He or she can help you find ways to save on your auto insurance and possibly ease some of the stress on your budget as well.