Connecticut Auto Insurance


State of ConnecticutFinding affordable automobile coverage is best done by obtaining multiple quotes from various insurers and completing a comparison among them. The law makes for coverage to be mandatory and the Connecticut Insurance Department (CID) suggests to simply "shop around" to find the lowest rates.

Getting the rates of multiple insurers can be the most effective way to save on protection. But contacting various companies and obtaining their pricing individually can be extremely time-consuming and sometimes frustrating. With the help of the Internet, consumers can have quotations from reputable companies delivered to them within minutes.

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Save Money on Connecticut Car Insurance

A consumer's main goal is to reduce the cost of their premium and keep some of their hard earned money in their pocket. Here are a few tips to do just that:
  • Keep a clean driving history. Drive safely and always obey traffic laws, because violations and citations increase rates. Accidents can raise a premium substantially; but if the policyholder is not at fault, this may not apply, which makes obeying the rules of the road that much more important.
  • Compare multiple types of coverage. Dropping comprehensive and collision on cars with low value will reduce costs, but policyholders should only do so if the vehicle's not financed. Before doing so, be sure to understand that the funds for any repairs or the replacement of the vehicle will have to come out of pocket.
  • Consider raising deductibles. The amount of the deductible affects the premium. The higher the deductible, the lower the premium, and vice versa. Keep in mind that this is the amount that would need to be paid at the time of filing a claim. Don't choose an amount that's unaffordable.
  • Before purchasing new vehicles, it may be wise to first obtain rates from various providers. Prices can vary quite a bit when it comes to the type of vehicle being insured. Car buyers would hate to have a new vehicle payment and find out that they would almost have to pay a similar amount to insure it.
  • Be sure to take advantage of any discounts that an insurer may offer. Some of the most common include:
    • Good driver
    • Good student
    • Safety features (air bags, automatic seatbelts, etc.)
    • Safe-driving course
    • Anti-theft devices
    • Low annual mileage

    Following these methods are very helpful in obtaining cheap CT car insurance premiums, but the most important part is to comparison shop. Getting quotes is free, and one should take the time to effectively compare policy providers and their rates.

Connecticut Auto Insurance Laws

If a motorist intends to operate a vehicle on the roadways, the Connecticut car insurance laws state that there are a few types of coverage that must be in place in order to do so legally. This includes liability which consists of two parts (bodily injury and property damage) and uninsured/underinsured motorist coverage. The minimum limits required are as follows:
State flag of Connecticut
Liability
  • $20,000 for bodily injury to one person
  • $40,000 for bodily injury to two or more people
  • $10,000 for property damage
Uninsured/Underinsured Motorist
  • $20,000 per person
  • $40,000 per accident
Although these are the minimums, the Connecticut Insurance Department advises drivers to purchase higher limits to further protect themselves from future financial burdens. Also keep in mind that liability covers only the other parties' injuries and property if the policyholder is found liable. It may be wise to purchase additional coverage to cover one's own property.

Uninsured and underinsured policies cover injury to policyholders, their relatives, and passengers if injured in an accident where the other party does not carry a policy, has limits that are not equal to the insured's, or if is a hit-and-run driver. It is advisable to consider comparing CT car insurance with the inclusion of medical payments coverage, which will provide for medical expenses, lost wages, and funeral expenses resulting from a traffic accident.

Connecticut Auto Insurance Questions

  • How are Connecticut Auto Insurance Claims Paid Based on Fault?

    Map of the state of ConnecticutWhen a Connecticut vehicle owner gets involved in an accident, the motorist who is considered more at-fault is typically responsible for paying for the resulting damages in proportion to his or her share of fault. If motorists are considered entirely responsible for...

  • Why is Car Insurance Required in Connecticut?

    Connecticut state flagIf a motorist is at-fault for an accident in which someone is injured or property is damaged, it is important that the responsible driver be able to cover any resulting losses. Sometimes these damages are small, but they have the potential to be...

News about CT Coverage

  • Immigrant License Legislation Greenlit in Nev., Coming in Conn.

    June 05, 2013 - Car insurers in Nevada and elsewhere can expect an influx of new drivers seeking coverage with several states passing laws recently that open up pathways for undocumented immigrants to obtain driver's licenses and auto insurance. Nevada Gov. Brian Sandoval recently signed SB 303 into law, allowing state residents lacking legal ...

  • Connecticut Gov. Finalizes Steering Ban for Auto Glass Repairs

    June 04, 2013 - Connecticut auto insurers are now prohibited from steering business to their own networks of auto glass repairers after the governor there recently signed legislation into law. The law, now called Public Act 13-67, expands a current ban for auto damage appraisals that prohibits an auto insurer from directing a policyholder toward ...

  • Connecticut Auto Insurance Robocalls Prompt Warnings

    May 30, 2013 - Connecticut's motor vehicle department, insurance regulatory office and attorney general are warning drivers there about robocalls seeking personal information, saying they've used DMV-supplied data to identify them as being eligible for lower insurance rates. Residents have filed "numerous reports" about automated ...

Articles on Insurance in Connecticut

  • Compare Connecticut Car Insurance Options

    Nov 23, 2011 - Connecticut motorists can only buy auto insurance from companies that are licensed to sell coverage in the Constitution State, which still leaves potentially hundreds of...

  • Connecticut Auto Insurance Price Comparison

    Sep 26, 2011 - Buying auto insurance typically involves more than just shopping, but also multiple comparisons to ensure that a policy provides adequate coverage. Driving in Connecticut without...