subject: Connecticut Auto Insurance - What The State Demands [print this page] Connecticut Auto Insurance - What The State Demands
Connecticut auto insurance laws are not so different from those of other states. There is a lot of emphasis on the protection of all those involved in a crash through basic car insurance coverages. Many people fail to appreciate what they can lose if they are involved in an accident and have to take care of liabilities without an insurance policy. Many have lost their homes, savings, assets and more to this. The state knows the importance of this and therefore has demanded these minimum protection from drivers in the state.
* Every driver is required by law to have a minimum of $20,000 per individual for bodily injury liability coverage and $40,000 for same per accident.
* In addition the above, every driver should also have a minimum of $10,000 cover against property damage liability coverage per accident.
* You are also required to have at least $20,000 coverage against uninsured and under-insured drivers for each individual and $40,000 for same per accident.
With the above, the state takes care of basic auto insurance needs. It is however obvious that in some cases, these cover may not be sufficient which is why the state encourages driver to get more cover than the state require minimum. Doing this would certainly protect you the driver, your car and passengers more. And in the case of liability coverages, you would be able to handle higher liabilities.
There are constraints that make it difficult for many drivers to go for these higher policies they know are good. The biggest constraint is obviously cost. You can reduce the cost of you Connecticut auto insurance by taking the following steps:
1. Set a reasonably high deductible. This would result in lower rates.
2. If possible, before buying a car, find out the insurance implication. Some cars are more expensive to insure than others.
3. Get and compare quick auto insurance quotes. It is very simple. When you compare quotes form different insurers, you can more easily find the most affordable auto insurance coverage.
4. Take advantage of discounts. Discounts would surely help you make good savings. Some of the discounts you can get are for: Good driving record, low mileage, no claim, good credit score, good grade (for younger drivers), safety of your car, security features in your car, multiple policies with one insurer etc. Talk with your insurance agent and let him or her explain this to you in greater detail.
The cost of vehicle insurance can be quite high which is why we all need to do all we can to get affordable auto insurance. Drivers in Connecticut can get more information to help them make the most of their car insurance by calling the Connecticut Insurance Department at 860 297-3800. Talk to them and let them help you with the information you need. In addition, do not forget to get and compare quotes.
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