Connecticut Car Insurance
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Connecticut is a state with a healthy mix of modern industrial complexes in urban areas and rural villages bordered by lovely beaches or beautiful forests. As one of the original thirteen colonies, the Constitution State also offers plenty of historical sites to visit. Or enjoy Connecticut’s long fall foliage season with one of these scenic drives. With so much to see, you want to make sure you’re driving with the coverage you need.
Drivers shopping for car insurance in Connecticut can expect to pay more, on average, than the national average. But that doesn’t mean you can’t find cheap car insurance. By comparing rates from different car insurance companies, you can pick and choose which insurance policy is priced best for the value. So what are the legal minimums for liability insurance, and what other coverage options should you consider?
Minimum Liability car insurance in Connecticut
State law sets the minimum limits as follows:
$25,000 Bodily Injury per person: Your Bodily Injury coverage will pay the medical cost of someone injured in a car accident you’re at fault for, up to the stated minimum coverage on the liability policy.
$50,000 Bodily Injury per car accident: This defines the maximum amount your bodily injury liability policy will cover per accident. Anything beyond the specified maximum will be paid out of pocket. This coverage does not pay for injuries you sustain in a car accident you are at fault for, nor does it cover any passengers in your motor vehicle.
$25,000 Property Damage Liability: This will cover the cost of damage you do to another motor vehicle or any structures you damage in a collision, up to the stated maximum.
For a few dollars more a month, you can get coverage that doubles the required minimum. Car accidents can get very expensive. If you can’t afford a sudden out of pocket expense, you need to make sure your bases are covered.
You are also required to carry uninsured and underinsured motorist liability coverage in Connecticut. This policy will pay the rest of the damage, up to the maximum limit, if a motorist in an at-fault accident is unable to meet the financial responsibility of paying for the damage they caused.
Uninsured Underinsured Motorist Coverage
While it’s recommended that you get the same coverage as your standard liability policy, Connecticut Car Insurance laws require you to have these minimums:
$25,000 Bodily Injury per person: The maximum that will be paid to cover one person’s injuries.
$50,000 Bodily Injury per accident: The total payout for injuries to you or your passengers sustain that aren’t paid by the at-fault motorist
$25,000 Property Damage: The amount paid for whatever damages aren’t covered by the at-fault party.
Things can get confusing here. With standard Uninsured or Underinsured motorist coverage, your insurance company can factor in the amount you received as part of the total payout. Let’s say you have the minimum coverage in place. If you received $18,000 to pay for damages, but you still have $9,000 let to pay, your insurance company will only shell out $7,000. That’s because you’ve already received a large portion of your maximum payout amount from the other motorist.
If you want to make sure you aren’t stuck with hefty medical bills, you should opt for the underinsured motorist conversion policies. Your car insurance company is required by law to offer them, but you will likely have to pay a little more for them.
Injury liability and property damage policies are only the basics. There are other kinds of coverage worth considering. And if you’re still paying off your car, you’ll be required to carry comprehensive and collision coverage.
Collision insurance gives you coverage on damages to your vehicle when you are held responsible for an at-fault accident. It will often pay towards the expense of towing the vehicle to a repair shop if it is inoperable.
Comprehensive coverage can protect you from other things that might ruin your car beside an at-fault accident. With all the rivers running through Connecticut, floods are very common. All that water can wreak havoc on your car. Besides the cosmetic damage to upholstery, your electrical systems can be ruined. It can also damage your engine, transmission, or cooling system. With two feet of water, even a large truck or SUV can be carried away and total your vehicle.
Theft, fire damage, vandalism, and damage from falling limbs are also covered with comprehension. Deer don’t have insurance, but unfortunately, every year there are over a million accidents involving them. Any damage to your vehicle will be covered up to your stated limits.
However, if you injure yourself in an accident with a deer, you will need basic coverage known as a medical payment policy. In the past, this policy was mandatory, but it is now an optional policy. However, if you don’t have medical insurance, or you have a “don’t get sick” policy, a basic reparations policy can help. It will pay the cost of your injuries and lost wages.
You can also get a full glass coverage policy that will pay for replacing your windshields and windows. Car insurance companies are required to offer this option without a deductible, and it can be a worthwhile option to consider.
What determines your rates?
When you’re looking at car insurance quotes, you might wonder what formula makes up the cost of coverage. Car insurance companies set your rates by a combination of personal factors and the kind of vehicle you drive.
These personal factors include age, sex, address, driving history, and your credit score People in the city generally pay more, and since a great deal of the population in Connecticut lives in urban areas, most of them pay above the national average for car insurance. For example, people in Hartford and Bridgeport pay an average annual rate of over $3,000, which is almost twice what people who live in the more rural area pay.
The type of vehicle you drive, and its total worth is taken into account. More expensive cars cost more to cover, but things like safety features and anti-theft devices can also counter this. You should look at the cost of coverage before you buy a new vehicle. If you can’t afford to insure a new car, you can’t afford to buy a new car.
Knowing the limits and coverage you need is paramount to choosing a policy that’s right for you. You shouldn’t begin comparing quotes until you’ve determined what you need and decided the highest deductible you’d be able to pay if you need to make a claim.
Finding affordable Connecticut car insurance
The best way to find a good car insurance policy is by comparison shopping, which can be done quickly online. Simply enter the basic information on the form, and start comparing rates from insurance providers in your area.
Everyone will have different rates based on their personal factors, and no single company is the best for everyone. Things like a recent speeding ticket can have a big impact on your car insurance quotes, so safe driving practices are imperative for affordable insurance. However, taking drivers safety courses can reduce your premiums, even if you don’t have any recent citations. You can further prove you deserve a safe driving discount by using a telematics device provided by your insurance company. It will monitor your driving habits and can get you a discount for low usage and safe driving.
There are plenty of other discounts different car insurance companies offer. If you’re married or own a home, you can see a discount, and get better rates by bundling up on homeowners or life insurance policies. If you aren’t worried about paying a higher deductible, you can choose a cheaper policy this way. But remember, insurance payouts won’t happen until you can meet the deductible, so choose wisely.
The bottom line
Even though most drivers in Connecticut pay above the national average on their rates, with careful shopping and safe driving practices, you don’t have to be one of those customers. Even if you already have a car insurance policy, you can save money by switching policies. Find a no-pressure quote within moments and get proof of insurance today, without leaving your house!