If you’re going to lease a vehicle and you live in West Hartford, Connecticut, you’ll need to provide your own insurance. Leasing only gives you temporary "ownership" of the car during the term of the lease, and doesn’t include any type of insurance whatsoever.
What type of insurance coverage do you need?
Although most states simply require you to carry liability coverage, you’ll have other insurance requirements when you lease. You’ll have to have insurance that will cover any damage that happens to that vehicle while you’re in possession of it.
Liability insurance
Liability insurance is the "minimum" amount of coverage, usually set by state law, required of anyone who owns or leases a vehicle. It provides bodily injury and property damage coverage for the other party in a motor vehicle accident if you’re deemed at fault.
Collision insurance
Collision insurance is insurance that covers you in the event you’re in an accident and you are at fault. (If you’re in an accident and the other driver is at fault, that driver’s liability insurance will cover you.) Collision insurance is specifically meant to cover vehicular damage caused by an accident. It also covers vehicle replacement, if necessary.
Comprehensive coverage
Comprehensive coverage covers your vehicle for damage that happens due to other events besides car accidents. For example, if your car is vandalized or hit by a tree branch, comprehensive insurance covers the damage and will repair or replace the vehicle as necessary.
Gap insurance
Gap insurance isn’t always required, but you may need it. If your car is totalled and you have comprehensive/collision insurance, you’ll get a check for the car from the insurance company based upon replacement value. However, the check you get may be less than the amount you still owe on your lease. Gap insurance will kick in and make up the difference.
You do not have to use a particular insurance company
You must carry the auto insurance coverage required by the leasing company, but you can choose your own insurance company. Shop around for the best quote and/or check with your current independent agent to get the best price for your coverage.