Connecticut Auto Insurance
Are you tired of paying your Connecticut auto insurance premiums year after year—only to discover the coverage you need isn't there when you need it? Finding a knowledgeable, customer service-oriented agent is half the battle in knowing and understanding your auto insurance policy.
InsureMe contracts with some of the best auto insurance agents in Connecticut. We work hard to help you find the coverage you need from reputable agents who understand your auto insurance concerns.
Trust InsureMe to help you find the Connecticut auto insurance agent and quotes you deserve…and drive away happy!
Significant Facts You Should Know
Connecticut auto insurance provides you with a valuable safety net in the event of an accident. But auto insurance costs have continued to increase steadily over the past five years, making finding an affordable policy difficult.
Connecticut auto insurance protects you from being held responsible for others' losses in case of an accident. Many people don't realize how costly going without auto insurance can be. Involvement in an accident can put your home, savings, future wages and other assets at risk in order to cover the cost of related medical bills, car repairs and lawsuits.
State Requirements
The state of Connecticut has established laws requiring certain coverages for your protection. All Connecticut drivers must maintain at least these coverages:
- Bodily Injury Liability: Covers injury to others due to your negligence. Minimum requirement includes $20,000 per person and $40,000 per accident.
- Property Damage Liability: Covers damage to others' property when you are negligent. Minimum mandated is $10,000 per accident.
- Uninsured/Underinsured Motorist: Covers bodily injury to you or others riding in your car when you're involved in an accident with a motorist who is uninsured or has insufficient coverage. $20,000 per person and $40,000 per accident are required.
The Connecticut Insurance Department recommends you increase your Connecticut auto insurance coverage above the required minimum amounts. This will ensure adequate protection for others with whom you might be involved in an accident, and will protect you legally as well.
Other coverage types such as collision, comprehensive and full glass are also recommended to protect your own car in the event of damage.
Shopping Guide
Obtaining Connecticut auto insurance coverage can be a costly proposition. Getting the best coverage at the best price means knowing and understanding what causes insurance prices to climb and making sure your own premium is not affected.
Keep your Connecticut auto insurance premium low by:
- Maintaining a good driving record
- Setting your deductible as high as possible
- Buying multiple policies with the same insurance company
- Inquiring about discounts
- Maintaining a good credit history
- Choosing your new car carefully
- Applicable Discounts
- Some Connecticut auto insurance companies offer consumers discounts based on driving habits, past payment history and other factors lowering their claims risk. Some discounts that may be available include those for multiple policies, defensive drivers, low mileage, safety or anti-theft devices, car pools and mature drivers.
Knowledgeable Connecticut auto insurance agents or companies can tell you which of these discounts they offer and how much each discount will lower your premium.
Alternative Insurance Sources
Non-standard auto insurance has emerged in recent years to aid Connecticut drivers who are difficult or impossible to insure under traditional policies. These drivers can be acceptable risks for certain Connecticut auto insurance companies who are willing to cover them at higher premium rates through non-standard plans.
This type of plan is preferable to the Connecticut Automobile Insurance Assigned Risk Plan, which offers auto insurance to almost any licensed driver who is uninsurable due to high claims risk or violations, even through non-standard plans.
For more information on Connecticut auto insurance through a non-standard or assigned risk plan, contact the Connecticut Insurance Department Consumer Affairs Division at
1-800-203-3447.
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