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The value of good automobile insurance often doesn't become apparent until
you really need it. Whether it's a minor fender bender or a more substantial
accident, it pays to have car insurance coverage you can count on.
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Let one of our experienced car insurance specialists explain the different
Liability limits, Comprehensive, Collision, Personal Injury Protection,
Medical coverages, and deductibles that are available for you to choose
from. We offer affordable truck and car insurance policies from reliable
companies that will not raise your premium by 15% after the first year.
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Click on the link below to fill out a quote form for an
auto insurance policy that will provide first class
insurance coverage at an affordable cost. Or speak
with a car insurance specialist at one of our
Connecticut locations to discuss the features.
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Covers damage caused to the owners car from a
collision caused by another car or other object. The
deductible is the amount you choose to pay upfront
(if any) before the auto insurance policy pays. The
higher the deductible chosen the lower the collision
coverage cost of the auto insurance policy.
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Covers damage caused to the insured's car (your car) from risks such as theft,
fire, falling objects, earthquake, flood, missiles, explosion, riot and civil unrest.
The deductible is the amount you choose to pay upfront (if any) before the
auto insurance policy pays. The higher the deductible chosen the lower the
comprehensive coverage cost of the auto insurance policy.
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Bodily Injury Liability
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Injuries that you (insured) cause to someone else is covered under this
part of an auto insurance policy.
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Property Damage Liability
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Damage caused by the insured (you) to someone else's property, such
as a car, fence, or house, is covered through property damage auto
insurance coverage. This coverage also assists in protecting you if a
lawsuit arises from an accident.
Most states require drivers to carry property damage coverage as a
part of their auto insurance policy.
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Covers you for the treatment of injuries to the passengers of your car.
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Covers the insured (you) for your bodily injury caused by a hit-and-run driver or
an at-fault driver who has no auto liability insurance. This is a required coverage for
Connecticut auto insurance.
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Example of uninsured motorist limits:
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This coverage comes into play when an at-fault driver has auto liability insurance,
but the limit of insurance is inadequate to pay for your damages.
Underinsured Motorist Bodily Injury Coverage
This type of auto insurance coverage pays for your medical expenses, lost wages,
and other damages when you or your passengers are injured in an accident
caused by a driver who has insufficient auto insurance coverage. The auto
insurance coverage typically pays the difference between the coverage limit you
select and the other driver's bodily injury coverage limit. This is not a required
coverage in Connecticut.
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Underinsured Motorist Property Damage Coverage
Protects you if your car is damaged in an accident caused by a driver who has
insufficient auto insurance coverage. This coverage pays the difference between
the coverage limit you select and the other driver's property damage coverage
limit. This is not a required coverage in Connecticut.
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Answer a few questions and we will
provide you with a quote for the personal or group insurance you're interested in. Use the menu above to reach an insurance quote request form. |
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Copyright 2003-2010 Stamford Insurance Group - All rights reserved
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We offer affordable Connecticut car insurance premiums in the following counties
and cities in Connecticut: Fairfield County, New Haven County, Litchfield County, Middlesex County, New London County, Hartford County, Tolland County, Windham County, Stamford, Norwalk, Greenwich, Darien, Riverside, Belltown, Springdale, Round Hill, Old Greenwich, East Norwalk, New Canaan, Glenville, Byram, Cos Cob, Mianus, North Stamford, Glenbrook, Wilton, Weston, Long Ridge, Noroton, West Norwalk, Westport, High Ridge, Southport, North Wilton, Winnipauk, Cannondale, Turn of River, South Wilton, Lyons Plains, Georgetown, Ridgefield, Branchville, Redding, Topstone, Ridgebury, Redding Ridge, Branchville, Dodgingtown, West Redding, Titicus, Hattertown, Bethel, Danbury, New Fairfield, Newtown, Hawleyville, Botsford, Monroe, Bridgeport, Stepney, Shelton, Huntington, Upper Stepney, Long Hill, Trumbull, Stratford, Easton, Fairfield, Greenfield Hill, Stratfield, Nichols, Oronoque, Rivercliff, Devon, Lordship, and East Bridgeport, New Haven, Hartford, Torrington, Waterbury, Meriden, New Britain, New London, Norwich, Manchester, East Hartford, Suffield, Granby, West Haven, West Hartford, Branford, East Haven, Hamden, Woodbridge, Orange, North Haven, Groton, Rocky Hill, Newington, Wethersfield, Glastonbury, Bloomfield, Blue Hills, South Windsor, Naugatuck, New Hartford, Chesire, East Lyme, Old Mystic, Wallingford, Southington, Middletown, Bristol, Laurel Beach, Litchfield, Pleasure Beach, Mystic, North Westchester, Double Beach, Willimantic, Storrs, Canaan, East Windsor, Vernon, South Canaan, Putnam, Guilford, Windham, South Britain, Willington, Windsor, East Hampton, Brooklyn, and Westchester, CT. |
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"Your local Connecticut Car Insurance policy agent specialist!"
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Site Built & Maintained by InsuranceWebsiteServices.com
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"Your Connecticut
Car Insurance Agent"
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Connecticut Car Insurance Specialists
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Connecticut Car Insurance Information
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Learn more about Connecticut car
insurance coverage options below!
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Connecticut Car Insurance FAQ
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Connecticut Car Insurance FAQ
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20/40/10 20=$20,000 - 40=$40,000 - 10=$10,000
First number = bodily injury liability maximum for one person injured in
an accident.
Second number = bodily injury liability maximum for all injuries in one
accident.
Third number = property damage liability maximum for one accident.
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Example of liability limits:
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Connecticut Car Insurance FAQ
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Connecticut Car Insurance FAQ
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Connecticut Car Insurance FAQ
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100/300 100=$100,000 - 300=$300,000
First number = uninsured motorist maximum for one person injured
in an accident.
Second number = uninsured motorist maximum for all injuries in one
accident.
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Connecticut Car Insurance FAQ
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Auto Insurance
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Connecticut
Personal Insurance
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Request a Quote Here!
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Now with 4
Connecticut locations!
Stamford
Cheshire
East Windsor
Groton
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22 Knapp Street
Stamford, CT 06907
203-359-0880
Fax: 203-359-9443
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1157 Highland Ave., Suite 109
Cheshire, CT 06410
203-250-1006
Fax: 203-250-0190
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84 Bridge Street
East Windsor, CT 06088
860-627-9418
Fax: 860-627-9213
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124 Fort Hill Road
Groton, Connecticut 06340
New London County, CT
860-445-8447
Fax: 860-446-0848
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Customer Service
(Personal Policies)
(203) 250-0186
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Having a teenager included on your auto insurance policy will always cost
substantially more, but there are ways to reduce the premium increase. |
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The best cars for teen drivers are slower, bigger cars with a lot of safety
features. Teenager's are more prone to accidents, especially ones caused by speeding. A disproportionate number of teenage car accidents involve only one vehicle. |
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Make sure your teen drives safely. One speeding ticket or fender-bender can
send your teenager's auto insurance rates sky high. Require that they take a drivers education class at their high school or local DMV. |
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Good student teen driver insurance rates can save up to 25% on your
teenager's auto insurance if a "B" average is maintained. |
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Assuming your teen keeps a good driving record, the cost of insuring them
will decrease as they get older. |
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Auto Insurance endorsements are policy extras for services such as towing
insurance, auto glass insurance, daily rental insurance, and emergency roadside insurance. |
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These auto insurance policies are not required by any state, but many drivers
choose these services for the added security and convenience they provide. |
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Connecticut Rental Car Insurance
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Covers the cost of a rental car while your insured car is being repaired
because of a covered event. |
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Connecticut Emergency Roadside Insurance
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Covers repairs done at the location of your automobile problem (roadside).
This policy is often combined with auto towing coverage and called Roadside Emergency Towing Insurance. Changing a flat tire on the roadside may also be covered, but you will need to pay for repairs received at the garage or other repair location. |
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Connecticut Auto Glass Insurance
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Offers a lower deductible or no deductible for when repairing any broken
window on your car is required. |
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Connecticut Auto Towing Insurance
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Covers costs involved for towing your car anytime you need it.
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What information is listed in the actual auto insurance policy that you are
given by the insurance agent? Learn about the different important sections in every auto insurance policy below. |
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Declarations
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Usually listed first in your auto insurance policy and unlike the remainder
of your policy, it will have been prepared especially for you. It will list the specific auto insurance coverages and amounts that you've chosen. |
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year, make,and model of your car
VIN - vehicle identification number
date the policy is effective
policy's coverage types and limits
policy's cost - premium
name of the insured (you or you and your spouse)
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Insuring Agreement
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Lists exactly what the insurance company promises to provide in return
for the payment of your auto insurance premium. The type and amounts of each coverage you've purchased is described in detail and also outlines exactly who is covered under each provision. |
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Exclusions
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The insurance policy exclusions section is a list of all possible circumstances
that would free the insurance company from the responsibility of paying a claim. |
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Example: most auto insurance contain an exclusion that exempts the
insurance company from having to pay in the case of intentionally caused damage or injury. |
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Conditions
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Lists the duties and responsibilities of the insured (You) in the event of a
claim situation. Will include guidelines for contacting the insurance company, obtaining a police report, and filing a claim. Information on auto insurance policy cancellation will be outlined here, too. |
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Click on the link below to fill out quote request form for a Connecticut Auto
Insurance policy that will provide excellent auto insurance coverage at an affordable cost. |
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If you have an older car, you can lower your Connecticut auto insurance premium
by reducing or dropping your collision or comprehensive coverages. Cars being sold today are much more costly to repair, just ask your auto mechanic the next time you see him. If you damage your older car in a car accident, it's likely that your repair costs will be lower than those for a newer car with similar damage. The amount of Connecticut auto insurance premium that goes toward that coverage option is only slightly reduced for older cars than for newer ones. You can usually save some premium by taking on a small amount of risk. |
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Lower Auto Insurance Premium - Increase Your Deductibles
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Auto insurance premiums are based on the amount of coverage you have, and the
deductible you must pay before an insurance claim is paid. Auto insurance deductibles usually range between $100 and $1,000. A lower deductible raises the premium amount, and a higher deductible will lower your monthly Connecticut auto insurance premium.
You should consider setting your deductible at an amount that you are comfortable
with. Determine the amount that you could afford to spend on your car in any given month if you had an accident. The amount that won't prevent you from paying all your bills is a good amount for an auto insurance deductible.
Remember though, if you have an car accident, the deductible you've chosen must
be paid before the insurance company will pay for your repairs, and there can be hidden costs in a car accident. For example, your Connecticut auto insurance policy may not pay the cost of a rental car while your car is being repaired. |
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Low-Mileage Discounts
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The more miles you drive, the greater the chances of being involved in an accident.
Most auto insurance companies offer discounts to drivers who keep the number of miles they drive each year under 10,000 to 12,000 miles. |
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Moving Violations
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Most automobile insurance companies provide discounts to drivers who have not
had a moving violation in the past 3 years. Insurance companies consider speeding tickets and accidents the most serious moving violations which have an impact on your Connecticut auto insurance premiums.
Review your driving record prior to shopping for Connecticut auto insurance. You
may want to consider holding off on buying new auto insurance if you have a moving violation which can be removed from your records within a short period of time. |
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Reduce Auto Insurance Premium - Fewer Accidents
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Auto insurance companies want to insure the best drivers. Safer drivers have
fewer accidents, fewer speeding tickets, and make fewer claims. Every time you are involved in an auto accident or a moving violation, the state where you are licensed assesses points to your driving record. Auto insurance companies limit their risk exposure by charging higher premiums to drivers who have more points on their driving records. Convictions of driving under the influence of drugs or alcohol is often viewed as much more serious than a speeding ticket or a car accident by insurance carriers.
If you think that you apply for good driver rates, be sure to ask companies when
you are shopping for auto insurance what their "good driver" discounts are. Compare that price to the good driver rates of other companies, to help determine what the best Connecticut auto insurance policy is for you and your family. |
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Reduce Auto Insurance Premium - Anti-Lock Brakes
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Anti-lock braking systems help prevent car accidents by shortening stopping
distances on wet and dry surfaces. Most car brakes without anti-locking mechanisms will lock if the driver slams the brake pedal, which can cause hydroplaning in wet conditions or skidding on dry surfaces. The proper way to avoid this is to pump the brakes. People are limited in the speed with which they can pump a brake pedal, so anti-lock brakes do the pumping for you and improve safety.
Auto insurance companies want to reduce the chance that their policy holders will
have a car accident. The auto insurance discounts offered are another incentive to buy cars equipped with anti-locking brakes. |
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Multiple Insurance Policy Discount
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Many auto insurance companies will offer lower premiums if you have multiple
insurance policies with the same company, or multiple vehicles insured under the same policy. This works differently depending on which specific insurance company you are dealing with.
Insurance companies will offer discounts if you purchase a homeowners
insurance policy or an umbrella insurance policy to go along with your Connecticut auto insurance policy. |
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Click on the link below to fill out quote request form for a Connecticut Auto
Insurance policy that will provide excellent auto insurance coverage at an affordable cost. |