Why You Need Auto Insurance in Connecticut

Residents and locals of West Hartford, CT know how enjoyable the roads are in Connecticut. If you enjoy taking a leisurely drive through town or anywhere in the tri-state area, auto insurance is absolutely essential before you embark on any trip. 

The ALLConnecticut Insurance team is highly experienced in building coverage and insurance plans for people of all walks of life. 

What can auto insurance offer me?

Auto insurance provides peace of mind for drivers in Connecticut on a daily basis. While some think insurance is "unnecessary," anyone who travels by vehicle should be properly insured. 

Whether you believe you are the safest driver on the road or not, the important thing to remember is that you can’t control the drivers around you. You can be cautious, defensive, and strategic on the road, but we’ve all seen distracted drivers on the road and how careless they can be. 

Protecting yourself and any passengers in the vehicle is the best way to make sure you are financially and medically safe in the event of an accident. Whether you are at fault or not, there are various coverage options that will protect you and your passengers from financial ruin in the form of hefty medical bills, car repairs, and more. 

The team at ALLConnecticut Insurance is here to help any residents who need guidance as they navigate the world of auto insurance. If you’re located in the West Hartford, CT area, don’t hesitate to reach out to us. We have a team of experts who can help you build a plan that is suitable for your lifestyle and driving habits. 

Protect Yourself on Connecticut Roads with Auto Insurance

We’ve all seen that driver – the one speeding through traffic, changing lanes recklessly, and doing it all with a coffee in one hand and a phone in the other. 

The team at ALLConnecticut Insurance knows that type of driver too, and we’re here to help protect you and your family against distracted drivers, uninsured drivers, and all the messes in between. 

Whether you reside in West Hartford, CT or somewhere else in this beautiful state, you likely know the joy that is driving through Connecticut in any season. We truly get the best spring, summer, and fall seasons in the country. Ask any local and that’s what they’ll tell you! 

With the winter months come slick roads, blackouts, and dangerous weather. We try to protect ourselves and our vehicles, bunker down at home when the weather gets really bad and wait out the storm. 

If you drive a lot for work, to see family or friends, or just love going on a drive to clear your head, you’ll want to ensure that you and your vehicle are properly protected any month out of the year from dangerous weather, reckless drivers, and poor road conditions. 

There are so many auto insurance companies out there who just want to sell you something without spending time getting to know you and how you prefer to enjoy your life. The experts at ALLConnecticut Insurance are experienced, educated, and here to work with you from start to finish on your ideal auto insurance plan. We’ll review your existing plan, make recommendations that we think will benefit you, and answer any questions you have along the way. 

If you’re in the West Hartford, CT area, contact us today! 

Is Auto Insurance Optional in Connecticut?

Residents of West Hartford, CT may be curious about auto insurance in Connecticut and if it’s optional or required. Liability insurance is the minimum coverage required by law, and all drivers must maintain liability insurance to be safe. ALLConnecticut Insurance highly recommends any residents of the area that are not currently insured do so immediately. 

What coverage is required in CT?

In Connecticut, the laws regarding insurance require liability of $25,000, per accident, as coverage for each person involved. This type of coverage typically covers each person involved in an accident with a minimum of $25,000.  The entire accident is covered by $50,000 total; allocating $25,000 for injury to the person and $25,000 for property damage.

There are so many reasons to take the time to find a solid, quality insurance plan that will cover all your bases. Whether you commute, travel to see family on the weekends, or love a road trip adventure… auto insurance is essential regardless of the reason you are going or where you’re headed.

While you may consider yourself a safe and cautious driver, that’s not who you should be worried about! It’s the distracted drivers on the road. You’ve seen them during your morning commute or while you drive a few blocks to get groceries. Nose in their phone (WHILE driving) and barely paying attention to the road in front of them.

Those are the people who cause accidents, and you can’t prevent that type of misfortune. The one thing you can control is how you’d be set up financially in the event you were in an accident (whether it was your fault or not) by your insurance provider. 

ALLConnecticut Insurance is committed to helping West Hartford, CT residents with quality, affordable insurance plans. Contact us today!

When Does My Auto Insurance Policy Need Updating?

You may be totally satisfied with your current auto insurance policy, but there are some life events that need to be considered when you decide to make any changes or updates to your auto insurance. 

In West Hartford, CT, the team at ALLConnecticut Insurance is ready and available to help residents determine when they need to make a change to their existing insurance plan. 

A few reasons to update your auto insurance policy:

1. Adding a new driver

Your child has turned 16, passed her driver’s license test, and is ready to hit the streets. Not so fast! Make sure you add her to your insurance policy before she skips out the door with keys in hand. 

2. When you buy a new car

Congrats… You got a new car!

This means it’s time to call your insurance agent and let him know you need to add your fancy new vehicle to your insurance policy. Don’t get caught driving around town in your new wheels without proper insurance. That’s a ticket you don’t want to bring home! 

3. When you sell a vehicle 

Similar to purchasing a vehicle, selling a car means you are no longer driving it, and shouldn’t be paying insurance on it. 

4. Upgrading or downgrading coverage

Whether you’re finally getting one of your children off your insurance policy, removing a vehicle, or any other change, upgrading and downgrading coverage is a simple enough task for your agent to complete. 

As you can see, there are so many reasons why you may be in a good place to update your auto insurance policy. Contact ALLConnecticut Insurance in West Hartford, CT and we’ll be happy to overview your plan and determine what’s next. 

What Auto Insurance Policy is Right For Me?

Finding the right auto insurance policy is very specific to each person’s needs. The team at ALLConnecticut Insurance is here to help residents of West Hartford, CT find the best plan. 

The basic types of coverage you can elect to get include:

  • Collision
  • Comprehensive
  • Medical/ personal injury 
  • Liability
  • Uninsured/ underinsured

Collision insurance

This type of insurance covers any damage to your vehicle in an accident. This coverage typically pays for your vehicle’s repair only. If the repairs or damage costs more than the car is worth, the insurance company can declare the vehicle a loss, and will instead give you a lump sum of the vehicle’s value. 

Comprehensive coverage

This covers non-accident damage, like if your vehicle is damaged or totaled in a bad storm or fire, or if your vehicle is stolen. 

Medical coverage & personal injury 

Medical coverage covers reasonable expenses for you and any other people in the car, regardless of which driver was at fault. 

Personal injury is very similar to medical coverage; the biggest difference is in the policy limits. They are typically higher than standard coverage, with higher premiums and a deductible you must meet. 

Liability coverage

Liability insurance protects you in the event that you cause an accident and someone becomes injured or their property does. This includes bodily liability insurance and property damage liability, for cases where vehicles or personal property is damaged or destroyed. 

Uninsured/ Underinsured coverage

Uninsured motorist coverage pays some of the damages done to you in an accident when the person at fault does not have insurance. 

There’s a lot to understand about auto insurance and the various coverage options. Contact ALLConnecticut Insurance if you’re located in the West Hartford, CT area and we’ll get you set up. 

Is Auto insurance Required in Connecticut?

While Connecticut law requires $25,000 in coverage per person per accident for bodily injury liability, the reasons for investing in auto insurance in the West Hartford, CT area are plentiful. 

Connecticut has some truly beautiful scenic routes, quaint towns to visit on the weekends, and many people commute to work each day. There are a lot of drivers on the road, and the team at ALLConnecticut Insurance wants to make sure you are properly informed and covered to protect you in the event of an accident or incident. 

Connecticut also requires mandatory uninsured and underinsured motorist coverage for all drivers, so even if you’re in an accident that isn’t your fault and the other driver has no insurance, you’re still covered. And that’s peace of mind you just can’t put a price tag on. 

While you may be the safest driver on the road, always paying attention, driving defensively, and being ultra-cautious… you can’t control what the other people on the road are doing. Distracted driving is a leading cause of accidents today. Whether people are texting and driving, running a conference call from the car, or scrolling social media… accidents happen every day due to driver negligence that is totally out of your control.

What you can do to be proactive about your financial situation is invest in a quality auto insurance plan with the proper coverage and an exceptional team backing you up. This is the best way to prepare for anything. 

The team at ALLConnecticut Insurance is educated, experienced, and trustworthy. We want to work with you to customize an auto insurance plan that meets your needs and fits within your budget. If you’re looking for a better auto insurance policy and you’re in the West Hartford, CT area, contact us today. 

Why You Need Auto Insurance

Getting auto insurance in Connecticut is required by law, and it’s important to have at least the minimum amounts in order to stay legal. Auto insurance offers a number of different protections that are all important when you drive. Accidents can and do happen, and if you aren’t well-protected financially, you could end up with an enormous financial problem as well as legal ones. If you don’t have the auto insurance that you need, give us a call at ALLConnecticut Insurance in West Hartford, CT.

Required Auto Coverage

There are a couple of coverage types that are required by law for all drivers. However, even if they weren’t mandated, they are still highly useful for protecting yourself financially. It is required in Connecticut to have at least a certain minimum for bodily injury liability for when one person is injured in an accident that you caused. There is a higher amount of coverage required for everyone who is injured in an accident that you caused. There is also an amount required for property damage liability for when you damage someone else’s property in an accident that you caused. All of these types of coverage keep you protected against most lawsuits so that you don’t have to be destroyed financially.

Other Coverage Types

There are two other types of auto coverage that are required to be offered when you get your auto insurance, but you are free to reject them. These coverage types are underinsured motorist bodily injury and uninsured motorist bodily injury. These are both important to have because there are motorists out there who break the law and can cause accidents that would be difficult to pay for. 

Get Your Auto Coverage to Stay Protected

If you need auto insurance, we’re here to help. Contact us at ALLConnecticut Insurance in West Hartford, CT.

How Does Auto Insurance Protect My Family?

What’s more important in life than protecting your family? For West Hartford, CT residents, auto insurance can be a great way to ensure the safety of your family, whether they’re a passenger in the car or a new driver on the road. 

ALLConnecticut Insurance is here to help you build an insurance plan that will work for your family. Whether you have several young drivers or you want to ensure your spouse has the right amount of coverage on your insurance plan, it’s essential to make these big decisions with an informed agent and team that have your best interests in mind. 

Selecting an auto insurance plan can be stressful and daunting, but it doesn’t have to be. 

The most impactful way auto insurance can protect your family is through financial peace of mind. This means that if you are in a car accident, whether it’s your fault or not, you have an insurance policy in place that will cover a portion of the expenses related to the damage and repair of your vehicle, medical expenses if you have to be treated by a doctor, and liability coverage in case you cause harm or damage to another person or their property in the accident. 

Your insurance provider should walk you through the ins and outs of any coverage plan that suits your needs for the safety and well-being of your family. It’s the only way to protect yourself from financial ruin in the event of an accident.

If you are seeking liability, collision, comprehensive, or any other auto insurance, don’t hesitate to contact the professionals at AllConnecticut Insurance. We can help you if you live in West Hartford, CT or the surrounding areas.

Required Auto Insurance in Connecticut

Every vehicle in Connecticut is required to be covered by auto insurance. The state has a number of different types of coverage that are all required for every auto insurance policy. These include bodily injury liability, property damage liability and uninsured and underinsured motorist coverage. If you have questions about auto insurance in Connecticut, or you want to get started with a policy, call us at ALLConnecticut Insurance in West Hartford, CT.

Liability Coverage

There are two different types of liability coverage required and three minimum amounts that you must have. The first is for bodily injury liability for one person who becomes injured in an accident that was your fault. There is a minimum amount required for this coverage. There is a second amount required for all of the people who are injured in an accident that is your fault. In addition, your auto insurance must have property damage liability coverage. All of these coverage types pay for other people’s damages- not your own. To get coverage for your own property in an accident you cause, you would need to get collision coverage. This type is not required by the state. 

Coverage for Uninsured and Underinsured Motorists

There is a set amount of this coverage that you need to have for one person who is injured in an accident that someone without insurance, or not enough insurance, caused. Then, there is a second amount required for everyone who was injured in the accident. This coverage is badly needed to protect yourself against motorists who do not follow the law. 

Get Your Auto Coverage 

If you don’t have auto coverage in the state, you risk having both your driver’s license and your car’s registration being suspended. If you need auto insurance, give us a call at ALLConnecticut Insurance in West Hartford, CT.

How Much Auto Insurance in Connecticut Do You Need?

In Connecticut, there are several types of auto coverage that are required to be in your auto policy. If you go without an auto policy, you can be subject to fees and fines, and you could even have your license suspended. When you need auto insurance, don’t wait. Call us at ALLConnecticut Insurance in West Hartford, CT to get started. 

Required Liability Coverage

There are a few amounts required for liability coverage in the state. One of these is a set minimum amount for bodily injury liability that is for one person who becomes injured in an accident that you caused. There is another minimum amount required for everyone who is injured in the accident. There is also a set minimum amount required for property damage liability. This covers damage to someone else’s property that is caused by an accident that is your fault. All of these amounts are small when compared to many other states, so it’s often recommended that you get coverage that is higher than the minimum mandated by the state. 

Uninsured and Underinsured Motorist Coverage

If you are in an accident that is caused by a motorist that is uninsured or underinsured, you would have little recourse without this required coverage. It pays for your injuries, and your passengers’ injuries, in an accident caused by someone else. This coverage is required to have a certain minimum amount for one person who is injured in the accident and a higher amount required for everyone who is injured in it. 

Get Auto Insurance in Connecticut

If you’re in Connecticut, it’s important to stay legal on the road. If you need car insurance, don’t wait. Give us a call now at ALLConnecticut Insurance in West Hartford, CT to get the insurance you need to drive legally in the state.