Spring Cleaning Your Car

As the weather begins to warm up and the trees and flowers burst with new life, many people feel the need to complete various cleaning and organizing tasks. Try following these steps for spring cleaning your car, courtesy of ALLConnecticut Insurance serving the West Hartford, CT area.

Declutter and Organize

You might have a bunch of miscellaneous clutter like papers in your car. Get rid of all that by placing items in the trash or recycling them. Declutter areas like your trunk and glove box by removing items you do not need. Tidy up all the items you do keep in your car. You will be surprised at how much decluttering and organizing improves the look and feel of your vehicle.

Complete Routine Maintenance

Spring is a great time to complete various routine maintenance tasks for your car, such as an oil change, tire rotation, and tuneup. Also, fill your windshield wiper fluid, and make sure the wipers are in great working condition. Keeping your vehicle maintained helps to keep you safe and helps to keep your vehicle in great working order.

Do a Deep Cleaning

Your car might be rather dirty from a winter’s worth of snow, ice and road salt. So it’s time to either take it to the car wash or give it a bath yourself. Make sure you thoroughly wash both the interior and exterior. Also, vacuum all seats and flooring areas.

When you spring clean your car, you are getting ready to face the upcoming warmer weather in style and comfort. You will also be protecting your investment in your vehicle by keeping it in excellent condition. If you need information about car cleaning, maintenance or insurance, feel free to get in touch with ALLConnecticut Insurance serving the West Hartford, CT area.

What Happens If You Hit an Uninsured Driver?

By law, you are required to have auto insurance. Unfortunately, not every driver on the road carries the insurance they are required to have. One of the questions that people ask us at AllConnecticut Insurance is what happens if you hit an uninsured driver in West Hartford, CT. Read on to learn what happens. 

A Police Report Should Be Filed

When you are involved in an accident with a driver who does not have auto insurance, you should always contact the police and have them write a report. It is important to do this regardless of whether you were at fault, they were at fault or it is unknown who is at fault. It is illegal to drive without auto insurance and the authorities should be notified so they can issue the other party a ticket and impound their vehicle. 

Obtain As Much Information as Possible

When you are hit by an uninsured driver, it is important to obtain as much information about them and their car as you can. This includes their name, their driver’s license number, the type of car they have, their license plate number and their phone number. Your insurance company will need all of this information to process the claim. It is also important to take pictures of both cars, to show exactly what the damage was at the accident scene. 

Submit a Claim to Your Insurance Company

Finally, be sure to submit a claim with your insurance company right away. The uninsured driver has a right to file a claim against your insurance if you were at fault, even though they were driving illegally. You want to file a claim so you can let the insurance company know your side of the story and to get damages to your car repaired as well. 

Having the right auto insurance policy in place can protect you if you hit an uninsured driver or if an uninsured driver hits you. Here at ALLConnecticut Insurance, we are committed to helping West Hartford, CT drivers find the best auto insurance policy for them. Give us a call now to get started. 

3 Lesser Known Benefits of Auto Insurance

Although most of us seem to believe we fully understand our auto insurance coverage, odds are, that just isn’t the case. Check out three of the lesser known benefits of purchasing an auto insurance policy.

Vandalism Coverage

Although it doesn’t seem to be a common occurrence, vandalism can be a very costly matter to contend with. However, by purchasing a premium auto insurance policy, you can ensure that your car is covered even in the event that you are the victim of super vandals.

Rodent Repairs

Yet another common occurrence, odds are, you never even considered what you’d do if some rodents decided to say, chew through some wiring in your car, until after it happened. Luckily, by purchasing a premium policy, you can include coverage that protects your vehicle even in the unlikely event that your car is targeted by an angry clan of rodents. 

Legal Representation

Lastly, no matter how good your coverage may be, one bad accident could land you in court. Moreover, they can make it a point to sue you above and beyond what your insurance coverage covers. Luckily, many auto insurance policies will provide you with legal representation to help you get out of paying costly settlements.

Overall, for residents of West Hartford, CT, ALLConnecticut Insurance may be your best bet. Offering an array of personalized packages for drivers and automobiles of all kinds, simply stop by their West Hartford, CT office, call in, or email to speak to one of their highly qualified representatives today. They will help you explore your options and provide you with the quotes you need to make your decision. Contact ALLConnecticut Insurance today!>

The Answers to 3 Unusual Auto Insurance Questions

Auto insurance can feel like a bit of a mystery to people, and this mystery can result in a person picking the cheapest possible policy. But knowing the more unusual scenarios can make it easier for people to decide one way or the other about how much coverage they really need. Here are three answers from ALLConnecticut Insurance that you may not have even thought to ask. 

What Happens When Someone Else Drives My Car and Gets Into an Accident?

The answer to this question will depend on the circumstances, but usually, it’s the person who owns the car who’s responsible for the car. If the driver has their own insurance, then the insurance may cover part of the damages, but it’s not always a guarantee. 

What Happens When I Drive Out of State?

Your insurance benefits will carry over in all 50 states in the US, but you’ll need additional liability insurance if you choose to drive to Mexico (unlikely if you live in West Hartford, CT, but certainly not impossible.) You can even drive to Canada without risking your benefits. 

What’s the Right Insurance Company?

Just like with most questions about insurance, the answer is that it depends. Every driver has their own preferences when it comes to their insurance policy, so they need to find someone who can fit all of their requirements and still meet their budget.

What isn’t negotiable when it comes to auto insurance is that you need someone who’s there to answer your questions. ALLConnecticut Insurance can help the people of West Hartford, CT find a policy that will be there for them during the worst of times. But hopefully, it’s clear that the bare minimum for auto insurance can really end up being an expensive decision for some.  

 

What Factors Should I Consider When Getting Auto Insurance?

Buying a new or used car is always a big purchase and investment. Next to their home, a car is the biggest asset that many people will ever own.  Since owning a car is such a big investment, making sure that it is properly covered by insurance is very important.  For those that are in the West Hartford, CT area, there are several factors that should be taken into consideration when shopping for a new auto insurance policy. 

Minimum Requirements by Law

One of the most important factors to consider when you are looking for an auto insurance policy is what the minimum requirements are.  Similar to other states, Connecticut requires that you carry a certain level of liability insurance.  In the state, you will be required to carry a liability policy with minimum limits of at least $25,000 per accident and property damage plus bodily injury coverage of $25,000 per person with a $50,000 limit per accident. 

Additional Coverage Needs

While you will want to stay in compliance with the law, the liability minimums are often not enough to cover your liability risks.  In many cases, it would be wise to get a policy with higher limits.  Another factor to consider is whether you should get collision and comprehensive insurance.  Collision insurance will provide you with coverage to repair your vehicle if you are at fault in an accident or if the other party is not insured. 

Comprehensive coverage will provide you with coverage in the event your car is stolen, vandalized, or damaged by a storm.  In many cases, an auto lender will require you to carry both collision and comprehensive coverage. 

For those that are in the West Hartford, CT area, working with AllConnecticut Insurance could be a great option.  AllConnecticut Insurance can help you get into a great policy that meets your needs.   

How Your Teen Learning to Drive Will Affect Your Auto Insurance

If you are a West Hartford, CT resident with a son or daughter who is learning how to drive, you should consider how adding someone new to your auto insurance plan will affect your rates and coverage. Below, we will discuss this matter in depth so that you can plan ahead for when your child finally reaches legal driving age.

Insurance Rates and Teens

To start with, yes, your insurance rates will likely change when add your teenage son or daughter to your plan. Insurance companies base their rates on how likely drivers are to get into an accident statistically. Teenage drivers don’t have a lot of experience, so they are statistically more likely to get into an accident.

Knowing that your rates will go up shouldn’t completely depress you, however. There are steps you and your teen can take to lower these rates. For example, there are usually discounts available if your teenage son or daughter completes a certified driving course, and there are even discounts available if your student gets good grades in school.

Finally, you can outfit your vehicle with what is called a telematics device. This measures how well the driver is doing driving the car, and if you receive good rates or if your teen receives good rates, this can lower your overall insurance costs.

Contact ALLConnecticut Insurance Today

If you are a West Hartford, CT resident, ALLConnecticut Insurance can help you find a comprehensive auto insurance plan for you and your family or discuss your current policy and how it will change when you add your new driver to the plan. Call us today, or feel free to stop in to our nearest location to speak with an agent directly. We look forward to working with you!

3 Overlooked Reasons to Purchase Auto Insurance

No matter where you live in the country, is you’re a motorist, odds are, you have some sort of car insurance coverage. However, outside of being mandated, many of us fail to see the numerous benefits of purchasing an auto insurance policy. That said, the following is a closer look at three of the most often overlooked benefits of purchasing an auto insurance policy. 

Save Time

Until you’re involved in an accident, it is easy to forget how time consuming such an ordeal can be. However, by purchasing a high-quality auto insurance policy, worrying about rentals, finding car shops, contacting the other person’s insurance company, and many other tasks, will be a thing of the past. Auto insurance allows you to get on with your life as quickly as possible. 

Health Insurance Supplementation

Moreover, with the present state of healthcare in America, being under insured is a concern of many. However, in the event that you are injured behind the wheel, your auto insurance may cover health care costs caused by the accident. It all depends on the package you choose.

Lawsuit Protection

Lastly, although most do not consider how costly lawsuits can be until they are faced with one, purchasing an auto insurance policy is an excellent way to ensure you are not blind sighted with a costly lawsuit. On the flip side, being involved in an accident without proper insurance could cost you thousands or even millions of dollars and could even land you in jail. 

Overall, for those living in West Hartford, CT, ALLConnecticut Insurance is here to serve you. Offering competitive rates, friendly customer service, customized packages, and much more, contact us here at ALLConnecticut Insurance and find out why we’re one of the best kept secrets in West Hartford, CT. 

Is Your Car A Collectible? Will This Affect Your Insurance?

In West Hartford, CT, a large number of our customers own and collect classic cars. How are these vehicles defined? And how does collectible insurance help you? Let us at ALLConnecticut Insurance give you the help you need when choosing this type of insurance policy.

How A Classic Car Is Defined

Classic cars are defined in various ways. For example, the Classic Car Club of America states that any vehicle that runs and which has been completely restored that was built between 1925-1948 qualifies. However, modern classics are vehicles that are 15-25 years old that have made a cultural impact or that are rare. Muscle cars from the 60s and 70s are also considered classic cars.

Does Your Car Fall Under These Headings?

If your car falls under these headings and you are interested in capitalizing on it, you will need collectible insurance. However, if you plan on driving your car as a primary vehicle, you probably won’t need it. Collectible insurance is designed to protect cars that are owned for their value rather than their use. It also covers cars that are shown off at car expos.

How Collectible Insurance Can Help

Collectible car insurance will help protect your car from damage occurred in unusual circumstances. For example, if you decide to show your collectible car off at a show, a regular insurance policy may not cover it. A collectible car insurance policy would. It can also cover certain kinds of travel expenses, such as overseas travel to a car show, that typical car insurance policies would not. Coverage is typically offered at a higher value to protect your investment.

Talk To An Agent Today

If you live in West Hartford, CT and think you own a collectible car, call us at ALLConnecticut Insurance today. We can provide you with the kind of insurance you need to keep your car safe from total loss. We may even be able to bundle your policy to cover multiple collectible cars.

Talk to a Professional About Your Unique Auto Insurance Needs

If you are in the market for automobile insurance, you may have a number of questions about it. This is fairly common, and it is crucial to understand what you are getting into prior to signing up for insurance.

Seek Assistance from an Automobile Insurance Professional

It does not need to be a frustrating process to talk to an auto insurance professional. You only need to know who is dependable and able to give you the best advice. Chances are, you live in an area where there are numerous agents, all vying for client with promises of offering the best quotes and tips to save money. 

Know What You Want

One of the key things is to go into any discussion with a clear idea of the coverage that you want. This way, you are far less likely to be roped into signing on for more than you really will end up needing. Keep in mind how much you have in assets, which will determine the amount of liability coverage you should get. Also, look at how much you currently at paying for insurance and the types of coverage you receive to measure up to for your new policy.

Get Comparisons
You may want to start out going through online services for quotes. You can do this with ease, right from the comfort of your home. However, if you want to have a sit-down discussion with an expert about your needs and anything you may be confused about, it is crucial that you find a reputable insurance agent who will be honest and make you feel confident about the process. A company like ALLConnecticut Insurance can assist you with such matters. 

Be sure that you ask about any discounts, and let each company/professional know that you still are shopping around for quotes. Make the professional work hard to get your business, and you will get the best service from a business that serves West Hartford, CT. 

Seniors: Here’s How to Adjust Your Auto Insurance to Reduce Costs

For those who are getting a bit older, and have the need to save a bit of money, the team at ALLConnecticut Insurance wants to help you to reduce your costs. Seniors are different drivers than those who are younger. The amount of risk you present to the insurance agency will differ from one person to the next. However, there are ways to cut down on your costs in many cases.

How to Save Money

Seniors may be able to reduce their auto insurance rates by contacting their agent at ALLConnecticut Insurance. Many seniors do not drive much. If you have reduced the amount of driving you do on a daily basis, you may qualify for a lower insurance rate. For those seniors who no longer drive at all, but still own a vehicle, it is still critical to have an auto insurance policy in place. This protects the value of your vehicle (depending on the type of insurance you have) from risks.

Those who have vehicles that are paid off may also be able to reduce some of their coverage to see a lower premium. It is only wise to do this if you can afford to do so. Talk to your agent about this type of option to be sure it is right for you.

Getting a Quote Can Help You

When it comes to saving money, you may just need a new policy. We serve seniors and other clients throughout the West Hartford, CT area. Contact one of our experienced and trusted agents today to learn more about how we can help you with the insurance coverage you need. We may be able to help you get into a more affordable plan that matches your needs.