Auto Insurance in Connecticut

There are legal minimums that must be met in relation to auto insurance in Connecticut. Some of the basic laws are the same no matter which state you live in. However, the minimum liability insurance is greater in some states than others. Always check with the DMV of an individual state to establish the required minimum liability.

All drivers are expected to have proof of liability insurance coverage on their vehicle. It is illegal to drive without insurance in Connecticut. Therefore, the minimum liability insurance must be obtained before using the vehicle. For Connecticut, minimum liability coverage offers protection against causing bodily harm to others or damage to the property of others should you be involved an accident in which you are found that you are at fault.

Connecticut law requires that all drivers have the minimum of $20,000 per person for bodily injury caused in the event of an at fault accident. $40,000 of cover is required to cover bodily injury liability per accident and $10,000 of property damage liability cover is also mandatory.

Having your vehicle equipped with safety and security devices like car alarms, anti-lock brakes, side air bags, daytime running lights and GPS will reduce the cost of your insurance premiums for your vehicle. Keeping a good credit history can also determine how much insurers will charge you as well.

Your driving record will also dictate whether insurers will charge you more for a policy. If you have had any speeding tickets, DUIs convictions or multiple accidents, there is a high probability that your premium will be increased.

Connecticut Motorcycle Insurance Minimum Requirements

Motorcycle owners in Connecticut are required to have liability insurance coverage to pay for damages they are responsible for causing following an accident. They must buy a policy with a minimum level of 20/40/10 in protection.

These numbers break down as follows:

  • $20,000 to pay for injuries sustained by a single person in an accident
  • $40,000 for all damages suffered by occupants of the other vehicle in an accident, no matter how many people were hurt
  • $10,000 for property damage, which includes repairing the other driver’s vehicle and other objects such as mailboxes, fences, sheds, and sign posts

A motorcycle owner can also choose to buy collision or comprehensive coverage to protect his or her bike. The collision coverage pays for repairs following an accident, while the comprehensive coverage pays out when the damage is caused by fire, severe weather, explosion, rioting, civil unrest or flooding. It also pays out when the motorcycle is stolen.

Medical payments coverage is available to motorcycle owners in Connecticut, and this insurance pays a benefit when the owner or a passenger is injured or killed as the result of an accident while driving or riding the bike. It pays claims for doctor and hospital bills, as well as x-ray, chiropractic and dental expenses for injuries sustained in the accident.

How to Find the Cheapest Car Insurance in Connecticut

Connecticut drivers who are looking for the cheapest car insurance coverage need to start with a plan. The first step to finding affordable rates for coverage is to review the current policy provisions to determine whether the driver has the right type and level of protection in place.

After the review has been completed, the driver can start to shop around for coverage. Getting quotes from different providers is the best way to find low-cost car insurance. Each company licensed to sell policies in the state sets its own rates for coverage, which means that pricing can vary significantly between providers.

Another good strategy for customers looking for the cheapest car insurance in Connecticut is to increase the policy deductible. This is the amount that a driver pays out of pocket toward the cost of a claim before the insurance company will pay anything toward the cost of settling it. The advantage to the consumer is that the insurance company can offer lower rates to customers who take on a higher level of risk personally.

Asking about available discounts is another good strategy for finding inexpensive car insurance coverage. A number of insurance providers will give better prices to policyholders in certain circumstances, such as when the customer insures more than one vehicle or buys a home and auto policy from the same company. Other discounts are offered to buyers who drive a vehicle equipped with anti-theft or safety devices.

Connecticut Auto Insurance Customers Benefit from Free Online Quotes

If you are looking for great rates on Connecticut auto insurance coverage, don’t forget to check out free online quotes offered by various companies. Shopping for car insurance in this way is very quick and easy. You can do so at a time that is convenient to you and avoid paying too much for your coverage.

Before you start looking for pricing information online, take some time to think about the type and level of coverage you need. Then, you will know exactly what you want the car insurance company to provide a quote on.

When you have gathered several quotes, take the time to examine them in detail. You will want to confirm that the pricing you have been given is for the same level of coverage for each one and that the deductible is the same.

The deductible level you choose will affect your premium as well. When you decide to increase the amount that you will pay out of pocket before the insurer will pay out on a claim, you are rewarded with lower rates. Be careful when choosing your deductible, though; you don’t want to select one that will cause financial hardship if you need to make a claim.

You can visit insurance company web sites directly to ask for online Connecticut auto insurance quotes, or you can get this information faster by visiting a web site that can offer you quotes from multiple companies at once.

Penalty for Driving Without Valid Connecticut Auto Insurance

If you get pulled over by police or are involved in a car accident, you will be asked to provide proof of insurance. A driver who is unable to do so will be required to attend a hearing regarding the status of his or her car insurance coverage. The exception to this rule is when the policy has been cancelled and the cancellation has been reported to the Department of Motor Vehicles (DMV).

In a case where the result of the hearing is a finding that the owner did not have car insurance in effect or he or she presented a false insurance card, the plates for the vehicle must be surrendered to the DMV immediately. The registration for the vehicle will be cancelled as well.

A list of cancelled registrations is made available to police and the content is updated regularly. Driving your vehicle after the registration has been cancelled is a risky move; if the car is found being driven or in a parking lot, the police have the power to impound it immediately.

To avoid these consequences, a driver who does not have valid insurance in place is given 14 days to provide proof of insurance coverage. He or she is also required to pay a $100 fine at that time.

Rather than run the risk of losing the use of your car, a better decision is to make sure that your Connecticut auto insurance is current.

How to Find Online Connecticut Auto Insurance Quotes

Getting online Connecticut auto insurance quotes is a relatively simple matter. There are two approaches to gathering this valuable information: visiting individual web sites or going to one site offering multiple quotes.

Before you decide to start gathering quotes for car insurance coverage, the first step is to decide exactly what you are looking for. You will want to determine the type and level of coverage you want, as well as the deductible level you feel comfortable with. Choose this amount carefully, since you will need to pay it personally before your car insurance company will cover any claims made against your policy.

Once you know what type and level of coverage you need, you can start to look for online quotes. Many insurance companies will provide this information from their web sites. Conducting an Internet search for car insurance companies in Connecticut will bring up a number of sites for you to consider. By clicking on a selection of sites, you can find out what types of coverage each company offers.

If you want to get straight to the pricing information, visit a site that can give you quotes from several companies at once. This is a good option for people who are ready to make a buying decision right away. Simply answer a few simple questions, and the site’s quote tool will do the rest.

Connecticut Car Insurance Minimum Requirements

Drivers in Connecticut are required to buy bodily injury liability car insurance coverage. This type of insurance pays for the medical bills and expenses incurred by the occupants of the other vehicle after a motor vehicle accident occurs.

The minimum level of coverage required for the injuries sustained by a single victim in an accident is $20,000. At least $40,000 in coverage to pay for damages claimed by multiple victims must also be put in place. Bodily injury liability insurance also pays for funeral expenses if the accident caused the death of one or more people.

Along with the bodily injury liability coverage, property damage liability insurance must also be purchased. This coverage pays for the cost of repairing the other driver’s vehicle following the accident. It also pays to repair other property damaged in the accident, such as sign posts, fences, and sheds.

Consumers always have the option to buy more than the minimum level of coverage required by law. It’s a good idea for Connecticut car insurance buyers to consider adding more coverage and to buy as much as they can afford.

After a car accident, the policyholder’s insurance company will pay out up to the policy limit only. If a person limits coverage to only the minimum requirement of $20,000, this level of benefits will be used up very quickly if the accident is a serious one. Any additional damages must be paid by the policyholder personally.

Connecticut Car Insurance and Lending Your Car

Connecticut car insurance is designed to provide financial protection if you are involved in an accident and the occupants of the other vehicle are injured. It also pays out if you are responsible for property damage by repairing the other driver’s vehicle and other objects damaged in the collision. What happens if you lend your car to a friend, and he or she is involved in an accident?

It might make sense to you that since your friend was driving, your friend should be responsible for any damages caused. Unfortunately, this is not the case. Since the incident happened in your car, you and your insurance company are on the hook for the damages.

In a case the damage is minimal, your insurance company would pay the claim. If the accident is a serious one and your friend has insurance, then your insurance company will likely pay out on the claim and then attempt to recover a portion of the money from your friend’s insurer.

However, if you lend your car to someone who doesn’t have insurance, you and your insurance company will be fully responsible for the damages caused in the accident. If the damages exceed your policy limits, you will be responsible for paying the balance owing.

Instead of lending your car to someone, a better choice may be to do the driving yourself. That way, you are in control of the driving situation and you don’t need to be concerned about an accident caused by someone else affecting your Connecticut car insurance.

Optional Connecticut Car Insurance Coverage

Drivers in Connecticut are not required to carry collision or comprehensive coverage on their vehicles. However, if you have taken out a loan to pay for your car, the financing company will likely require that you have this coverage in place as a condition of advancing the funds. The company has a financial interest in the vehicle until the loan has been paid in full, and it wants to protect that interest by insisting that appropriate insurance be in place.

Collision coverage pays for the cost of repairing a car if it has been damaged as the result of an impact with another object or vehicle. In a case where the car is deemed “totaled,” the insurance company will pay out according to the cash value of the car only – not what the customer paid for the vehicle in the first place.

Comprehensive coverage protects a vehicle owner from perils other than those caused by a collision, such as fire, acts of vandalism, flooding and severe weather. It also pays out if the car is stolen.

Adding uninsured motorist coverage to a policy is a good idea. This portion of the coverage pays out if the policyholder is injured in an accident where the at-fault driver does not have insurance. It pays for medical bills and related expenses, as well as the cost of repairing the policyholder’s vehicle.

Factors Affecting Connecticut Auto Insurance Rates

When a Connecticut auto insurance company is preparing a quote for coverage, it takes a number of factors into account. One of them is the type of vehicle to be insured. A consumer who is in the market for a new vehicle may want to check with the insurance company before making a final decision about which one to buy, since the cost of coverage should be included in the overall cost of owning the vehicle.

An applicant’s driving record is another factor that car insurance companies consider when working up a quote for coverage. The insurer looks at past behavior as a way to predict how the driver will behave in the future, and a person who has a driving history that includes moving violations or accidents will have to pay more for his or her coverage than someone with a clean record.

Choosing to drive a car that has safety features, such as anti-lock brakes, means an owner can qualify for better rates on Connecticut auto insurance. Automatic seat belts, daytime running lights and side air bags in a vehicle are items that should be brought to the attention of the insurance company when asking for pricing as well.

Some insurance companies will also check an applicant’s credit history when determining how much to charge to coverage. A person who has demonstrated that he or she pays bills on time is considered less risky to insure than a person who has credit issues.

The Fundamentals of Connecticut Auto Insurance

Car insurance is one of the most frequently purchased forms of coverage and the state of Connecticut makes this a mandatory requirement.  Auto insurance quotes will usually include the minimum requirements for the state although it is always advisable to clarify this with your chosen carrier. There are two basic levels of coverage required.

Bodily Injury Liability

Bodily injury liability offers protection against any claims of compensation from third party drivers if a policyholder is found to be at fault in a road traffic accident. Claims can include expenses for medical bills, loss of earnings or payments for pain and suffering arising as a consequence of the accident. In Connecticut, the minimum mandatory levels of bodily injury liability are $20,000 per person and $40,000 per accident. This is a vital inclusion on all car insurance quotes.

Property Damage Liability

Property damage liability offers protection against any claims of compensation from third party drivers in relation to damage caused to vehicles or any other personal property as a result of an at-fault accident. This can include walls and fences, property contained within a vehicle or buildings. The minimum mandatory level of property damage liability in Connecticut is $10,000. Once again, all auto insurance quotes should contain this level of coverage

Uninsured/Underinsured Motorist Protection

The state of Connecticut also makes it mandatory for motorists to carry protection against uninsured and underinsured motorists. If a policyholder is involved in an accident where an uninsured or underinsured motorist is deemed to be at fault, their insurance carrier will meet any costs that arise from physical injury or damage to property. The mandatory levels are set at are $20,000 per person and $40,000 per accident.

Optional Extras

If a motorist is found to be at fault in an accident, their insurance carrier will not cover the cost of repairs to the vehicle of the policyholder unless collision damage coverage is purchased. Although the state of Connecticut does not require this level of coverage by law, motorists may find that lending institutions will require collision damage coverage before a financial agreement can be reached. When collision damage coverage is obtained as part of a car insurance quote, the policyholder will be able to claim for the cost of repairs caused by impact damage or, if the vehicle is declared a total loss, the insurance carrier will reach a full and final settlement based on the current market value of the vehicle.

Many motorists, especially those who own relatively new vehicles, find that comprehensive auto insurance offers the best level of coverage. As well as taking the mandatory state requirements into account, comprehensive coverage will also cover other eventualities such as damage caused by floods, fire or vandalism. The vehicle will also be protected from instances of theft. It is important to check the terms and conditions of a comprehensive policy as the levels of protection offered can vary greatly on different auto insurance quotes.

GAP insurance offers financial protection if a vehicle is declared a total loss. Any shortfall on outstanding payments owed on the vehicle will be met by the insurance carrier so that motorists in Connecticut are not left with expensive payments to meet on a car that is no longer useable.

Seven Steps to Cheap Online Car Insurance Quotes in Connecticut

Finding the cheapest car insurance quotes in Connecticut doesn’t necessarily have to involve hours of painstaking telephone calls or visits to local land-based insurance offices. The overwhelming majority of auto insurance policies sold in the first half of 2010 were found online by consumers who managed to purchase effective and affordable coverage without having to leave the comfort of their own homes! Finding auto insurance quotes has never been easier and by following a few simple steps, motorists in Connecticut are assured of sourcing the perfect policy.

Step 1 – Knowing Where to Find Online Car Insurance Quotes

Many motorists are dissuaded from purchasing auto insurance quotes online for two major reasons. There are still many consumers who are not completely at ease with purchasing items over the internet through fear of being the victims of fraud. Also, many motorists are blinded by the huge number of options available in terms of independent companies offering online auto insurance quotes.

Thankfully, most companies have taken effective precautions to protect their customers from online scamming. Websites are set up with payment facilities being provided on secure servers and this prevents would-be scammers from accessing personal information that might compromise any sale. Furthermore, the potentially endless trawl through dozens of different insurers has been alleviated by the introduction of price comparison websites.

Price comparison websites have quickly become one of the most popular avenues for sourcing car insurance quotes in Connecticut. Instead of having to visit multiple sites, motorists can gather all the information they need by inputting their personal information on a one-off basis. Once that information is collated, a series of auto insurance quotes are provided from a network of major carriers who are affiliated to that particular site.

Step 2 – Joining Up

Although there are no significant recommendations for the type of price comparison website a consumer uses, it can be beneficial to stick to a resource that is nationally advertised and receives positive feedback from customers. A larger web presence will inevitably do more to preserve a reputation and will always have a secure transaction policy in place that makes the task of obtaining car insurance quotes a much safer prospect.

Consumers will need to register to a price comparison website before they can obtain car insurance quotes. This usually involves filling out a short and simple form offering personal information such as a name, address and zip code. Once these details have been provided, membership to the site will be confirmed and the information is stored on a central database. Whenever consumers log on to the site, the information is automatically retrieved and doesn’t have to be provided again.

Step 3 – Finding Auto Insurance Quotes

Most price comparison websites offer a range of different services although many of these are consumer-based. However, auto insurance quotes are one of their largest markets and a link will be provided from the home page. Within seconds of logging on, motorists in Connecticut will be able to locate the correct page on the website and this makes the entire process remarkably easy.

When car insurance quotes are requested for the first time, consumers will have to provide details about the vehicle being insured and any information pertaining to their driving history. As with personal details, this information only needs to be provided once and it can be automatically retrieved every time a site member logs back on.

Step 4 – How Car Insurance Quotes are Provided

Once the information relating to the vehicle and driving history of the site member are submitted, the site will automatically generate a list of suitable policies from companies that are licensed to operate within the state of Connecticut. Many of these will be recognizable institutions although a significant number of smaller insurers are also enjoying the increased business and revenue that price comparison sites can offer.

The policies offered will all vary in terms of the coverage they provide and the premium itself. It is vitally important to remember that all car insurance quotes should offer the basic levels of mandatory coverage for the state and these are determined as follows:

  • $20,000 worth of bodily injury liability per person
  • $40,000 worth of bodily injury liability per accident
  • $10,000 worth of property damage liability
  • $20,000 worth of uninsured/underinsured driver coverage per person
  • $40,000 worth of uninsured/underinsured driver coverage per accident

Failure to purchase the correct levels of auto insurance can be a major cause of frustration should a motorists eventually find themselves being involved in a road traffic accident. Any shortfall in coverage will result in the driver having to make payments themselves and there is also a significant chance that the Connecticut Department of Motor Vehicles will issue a fine or suspension of driving privileges.

Step 5 – Comparing Auto Insurance Quotes

One of the most important considerations of gathering multiple auto insurance quotes from price comparison websites is the fact that they can be reviewed on a side-by-side basis so that the best possible policy can be purchased. It is important to note that the cheapest policy is not always going to be the best one. All car insurance quotes should be carefully reviewed and the terms and conditions of each policy should also be studied. The level of coverage being offered is every bit as important as the premium, particularly for motorists who own a vehicle with a high market value or one that has outstanding loans secured against it.

While motorists with older vehicles will inevitably find a variety of cheap auto insurance quotes to suit their requirements, there will be others who need to consider other important factors such as collision damage coverage and GAP insurance.

Step 6 – Obtaining Car Insurance Quotes in the Future

Because price comparison websites save personal information on secure servers, old car insurance quotes can be retrieved at any time in the future by simply logging on from the home page. However, it is still a very simple process to obtain new auto insurance quotes if a new model is purchased or another member of the family introduces a vehicle to the household. Only a few pieces of information need to be offered on all future quotes and the price comparison websites will, once again, offer a new series of policies based on the details provided.

Step 7 – Online Options

Although price comparison websites are incredibly popular with consumers, they are not the ‘be-all-and-end-all’ of finding car insurance quotes online. If a motorist in Connecticut has a preference for a particular insurance company, they can visit their standalone website and make any subsequent policy purchases from there. This is an excellent option for those who have enjoyed excellent levels of customer service from a single company in the past.

Another alternative is to consider the use of an online insurance broker. Brokers act as an intermediate between motorists and insurance companies although they have largely operated out of land-based offices until recently. A broker will work alongside a large number of different carriers and will be able to provide auto insurance quotes that include discounts which will not be offered elsewhere. Insurance brokers earn their money from taking a commission out of any subsequent sale but motorists do not need to be concerned about being oversold on their car insurance requirements. Legislation exists that requires all auto insurance brokers to act ethically and morally. They must also act with the best interest of their customers in mind. Failure to do so can result in stiff penalties.

Car Insurance Laws in Connecticut

State laws in Connecticut vary from those applied in other regions and motorist looking for car insurance quotes must make sure that any polices they purchase meet the minimum requirements. As well as exercising options for insuring their own vehicles, road users are also legally obliged to carry sufficient liability coverage to pay for bodily injury and property damage if they are found to be at fault in a road traffic accident.

Although it is virtually impossible to control auto insurance levels for out-of-state motorists, local road users who fail to purchase adequate levels of coverage will be unable to register their automobiles with the Connecticut Department of Motor Vehicles. If a driver is pulled over in a routine traffic stop and is unable to provide adequate proof of insurance, a fine of up to $500 will be enforced and this will result in an entry on the driving record of the guilty party. This can lead to a significant rise in the price of auto insurance quotes in the future.

Liability insurance must be in place before a vehicle can be operated legally in Connecticut and all motorists are requested to purchase the following levels as an absolute minimum requirement:

  • $20,000 worth of bodily injury liability per person
  • $40,000 worth of bodily injury liability per accident
  • $10,000 worth of property damage liability

In addition to liability coverage, motorists in Connecticut must also carry protection against uninsured or underinsured motorists and these requirements should also be factored into any car insurance quotes. The absolute minimum levels required are as follows:

  • $20,000 worth of uninsured/underinsured driver coverage per person
  • $40,000 worth of uninsured/underinsured driver coverage per accident

It is important to note that there are no other mandatory legal requirements relating to car insurance in Connecticut. However, motorists may wish to consider optional coverage to provide better protection by including collision damage coverage, personal injury protection and GAP insurance in their auto insurance quotes. Although increased coverage will inflate the initial premium, the peace of mind that comes with a more detailed insurance policy can be invaluable.

Connecticut has mandatory laws in place that compel auto insurance companies to provide details of any motorist who may be operating on the road illegally to the local Department of Motor Vehicles. If a motorist is subsequently discovered to be uninsured, they will immediately be fined $200 and issued with a warning. Motorists will also have to sign a consent form declaring that auto insurance will be purchased and failure to do so will lead to a license suspension and refusal of a vehicle registration.

Car insurance quotes are relatively simple to obtain and motorists have a large choice of price comparison and company websites where affordable policies can be found. Those with a preference for telephone call centers should have no difficulty in finding toll-free numbers while insurance brokers provide another option for finding competitive auto insurance quotes. Motorists are advised to compare policies directly against each other in order to find the best possible coverage at the best possible price.

Car Insurance Advice for Young Drivers in Connecticut

Young drivers in Connecticut will inevitably suffer from the typical high prices associated with motorists from a high-risk group and this will be reflected in the cost of most car insurance quotes. The chances of being involved in a road traffic accident are significantly higher for road users within the 16 to 24 year old age group and insurance companies will increase their premiums accordingly as a means of offering themselves protection against the likelihood of a payout.

As with every other US state, there are a number of minimum requirements that young drivers must adhere to when they are comparing auto insurance quotes. There are mandatory measures in place and these include bodily injury liability, property damage liability and protection against uninsured or underinsured motorists. Failure to carry the minimum levels of auto insurance required by the state can lead to fines and the suspension of driving privileges.

Insurance companies in Connecticut operate alongside the local Department of Motor Vehicles to build a database of road users within the state. Carriers are obliged to provide information relating to lapses in coverage and if coverage is cancelled by either the insurance company or the policyholder, the Department of Motor Vehicles will issue a fine of $200 if it can be proved that the vehicle is still in everyday use. In addition, motorists will also be obliged to take part in the Insurance Compliance Consent Agreement to prove that they have adequate coverage in place on future occasions. These conditions are applicable to all motorists in Connecticut and are not exclusive to young drivers.

Car insurance quotes for young motorists, although expensive, can be obtained from most major insurance companies and some of the biggest names in the industry are actually helping to reduce costs by applying a series of discounts for new road users who display noticeable levels of responsibility. Geico, Allstate and State Farm all offer discounts if young drivers can maintain good student grades. Furthermore, reductions can be applied to car insurance quotes if a motorist has taken and passed an advanced driving examination.

There are also a number of lesser-known carriers operating within the state of Connecticut who offer similar discounts such as the Nye Insurance Agency and the Grenauer Insurance Agency. Although these companies lack the high profiles of their more senior counterparts, their expertise in providing auto insurance quotes for young drivers are well noted.

Further discounts can be obtained if young drivers pay attention to a series of requirements that can typically lower the cost of most car insurance quotes. The type of vehicle being driven can make a dramatic difference in terms of policy prices and an older vehicle with a low engine capacity will usually be much cheaper to insure than a newer, more expensive model. In addition, further discounts will be available if a vehicle has enhanced security or safety features and if it is kept in a safe and secure location overnight, further reductions will be applied.

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