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Obtaining Auto Insurance these days isn't too difficult, unless you have a unique situation. If you are a cookie-cutter policy, you can probably obtain an insurance auto quote in about 5 minutes, or less, without speaking to a human. However, there are a few catches that might have you reconsidering speaking to an agent. Not all car insurance policies, in Connecticut, are created equal. For example, having a teen driver can become costly. In more than one way, but most especially your insurance policy. We have the resources, and a team of seasoned professionals, ready to hear YOUR needs. Understanding how an auto insurance policies premiums are affected is our job, not yours. Simple things can affect the premium such as age and mileage, but did you know having your automobile paid off can significantly lower your auto insurance? Your finance company is likely imposing higher limit requirements than you need. Owning the car can give you flexibility to change limits where you want them. If you wanted more liability coverage (legal protection) but less collision you might save a few bucks by making small adjustments like that. Just be sure to always check with us on the current state minimum requirements. We can also help you insure your antique cars, motorcycles, watercraft and recreational vehicles. All of these types of auto insurance policies, should be handled by an insurance agent. There are many options available for specialized coverage for these types of auto insurance policies. That's where we will come in to help. Your motorcycle policy should have full replacement cost and no depreciation for parts. We can find you the best discounts for your watercraft insurance. "Turn off" your policy while your recreational vehicle (RV) is in storage. Get the right replacement value on your antique car insurance. The point is, you have the right to get the best coverage at the best rates. There are too many options for you to wade through them yourself. You deserve the best agency. Auto Insurance is not very exciting. Depending on which state you live in, it could be a smaller or larger piece of your budget than your neighbors across state lines. How much insurance should you buy? Any insurance agent worthy of their salt will tell you that you should buy as much as you can afford. While this is a good rule of thumb, it is about as useful as a stockbroker’s tip to buy low and sell high. It might be sound logic but it does not get you any closer to an educated decision. A few filters need consideration in order to make that educated decision. First, what is the state required minimum coverage where you live? Second, what does the minimum cover? Third, what other coverage is available and can you afford it? Fourthly, what are you protecting? Coverage Definitions Bodily Injury Liability covers other people's bodily injuries or death for which you are responsible. It also provides for a legal defense if another party in the accident files a lawsuit against you. Claims for bodily injury may be for such things as medical bills, loss of income or pain and suffering. In the event of a serious accident, you want enough insurance to cover a judgment against you in a lawsuit, without jeopardizing your personal assets. Bodily injury liability covers injury to people, not your vehicle. Therefore, it's good idea to have the same level of coverage for all of your cars. Bodily Injury Liability does NOT cover you or other people on your policy. Coverage is limited to the terms and conditions contained in the policy. Comprehensive covers your vehicle, and sometimes other vehicles you maybe driving for losses resulting from incidents other than collision. For example, comprehensive insurance covers damage to your car if it is stolen; or damaged by flood, fire, or animals. Pays to fix your vehicle less the deductible you choose. To keep your premiums low, select as high a deductible as you feel comfortable paying out of pocket. Coverage is limited to the terms and conditions contained in the policy. Collision covers damage to your car when your car hits, or is hit by, another vehicle, or other object. Pays to fix your vehicle less the deductible you choose. To keep your premiums low, select as large a deductible as you feel comfortable paying out of pocket. For older cars, consider dropping this coverage, since coverage is normally limited to the cash value of your car. Coverage is limited to the terms and conditions contained in the policy. Medical Payments covers medical expenses to you and your passengers injured in an accident. There may also be coverage if as a pedestrian a vehicle injures you. Does NOT matter who is at fault. Coverage is limited to the terms and conditions contained in the policy. Uninsured Motorist Bodily Injury covers bodily injuries to you and your passengers when the other person has no insurance or not enough auto insurance in a crash that is not your fault. In some states, there is also uninsured motorist coverage for damage to your vehicle. Given the large number of uninsured motorists, this is very important coverage to have, even in states with no-fault insurance. Coverage is limited to the terms and conditions contained in the policy Personal Injury Protection covers within the specified limits, the medical, hospital and funeral expenses of the insured, others in his vehicles and pedestrians struck by him. The basic coverage for the insured's own injuries on first-party basis, without regard to fault. It is only available in certain states. Property Damage Liability covers you if your car damages someone else's property. Usually it is their car, but it could be a fence, a house or any other property damaged in an accident. It also provides you with legal defense if another party files a lawsuit against you. It is a good idea to purchase enough of this insurance to cover the amount of damage your car might do to another vehicle or object. Coverage is limited to the terms and conditions contained in the policy. Rental Car Reimbursement covers renting a car if your car isn't drivable or while your car is being repaired because of a covered accident. What else is available and can you afford it? Did you come across a coverage and think, "I need that but it isn't required by state law" when you were reviewing the coverage definitions? Chances are you did. Can your budget afford the additional expense of these protections? Alternatively, maybe more to the point can you afford NOT to have these additional protections? So after you determine how much protection to get, always ask how much more it is for the next level higher. Very often, you can get significantly more coverage for very little cost. Contact us today for more details on auto insurance.