Connecticut Auto Insurance

Finding the best Connecticut car insurance is key when you think about the protection it provides. Having A CT auto insurance policy with adequate coverage can offer you peace of mind if you are faced with large bills or potential lawsuits in the event of an accident.

However, there is no need to pay more for Connecticut auto insurance then you need to! Read on to learn the basics of Connecticut car insurance and then find some ways to find a cheaper premium for your policy.

When you are finished reading the Connecticut car insurance guide then be sure and use our free quote finder tool at the top of the page. Spend just a few moments to enter your basic information in and then you can compare Connecticut car insurance quotes from competing insurers side by side! 

The Minimum Connecticut Auto Insurance Requirements 

To protect car owners in the state of Connecticut, legislators instituted minimum Connecticut auto insurance requirements.  Not only do these requirements protect the insured and the other driver in the event of an accident, but it also protects the insured against financial disaster.  Every driver in the state of Connecticut must carry at least:

• $20,000 of (BIL) – Bodily Injury Liability- for each person in an accident; $40,000 per accident
• $10,000 of (PDL) – Property Damage Liability – for damage to another person’s property
• $20,000 of (UM/UIM) – Uninsured or Underinsured Motorist Coverage for bodily injury for each person per accident and $40,000 per accident 

Although additional coverage is available, it is not required.  Those whose vehicles are financed through a lender will find that full coverage is most likely required.  It is also recommended that you obtain collision and comprehensive insurance to protect your vehicle in the event of an accident, act of nature, or vandalism. 

How To Find Affordable Connecticut Car Insurance Rates 

To make Connecticut auto insurance affordable, it is important to be well informed and in compliance with what’s needed to be considered a good driver with low risk factors.  If you can remember and maintain the following tips, you will save on your auto insurance:

• Maintain good credit
• Combine policies with the same carrier to receive blanket discounts
• Explore carrier discounts associated with organizations and good driving records
• Security devices can save money on premiums
• Selecting higher deductibles

These are factors you can control to save money on your Connecticut auto insurance.  Some situations may not be within your control and may affect your premiums.  Examples of those instances include:

• Your zip code
• Your age

The main point is to maintain your Connecticut auto insurance policy to avoid paying additional fees and fines for not having it.  

Filing Claims Against Your Connecticut Auto Insurance Policy 

As per any state law, when you incur an accident you should know the basics of filing claims against your Connecticut auto insurance company.  The basics include:

Remain at the scene of the accident

• Call 911
• Exchange insurance information with the other driver(s)
• At first opportunity, call you insurance carrier to file your claim

With the Internet, many CT auto insurance companies will allow you to file a claim online as well.     

Protection When Filing A Connecticut Auto Insurance Claim 

For fender benders where no one is hurt, your Connecticut auto insurance claims adjuster may just ask you to obtain estimates for the damages and send you a check.  If you and/or the other driver are injured, your claim becomes more complex.  In that case, it is important to stay abreast of the process.  You should know that you have the right to negotiate with the claims adjuster if you do not agree with the settlement.  

Connecticut Auto Insurance Laws For Teen Drivers 

The one thing we look forward to as teenagers is the chance to get behind the wheel of our first car.  In Connecticut, your auto insurance rate could go up 50%-100% with teen drivers in the home.  You can save money by taking proactive steps.  Making sure your teen takes defensive and offensive driving classes can afford parents a discount.

In Connecticut teens have restrictions that they must abide by in order to maintain their license and Connecticut auto insurance.  The basics of those laws include:

• Teens 16 & 17 must have a parent, guardian, or instructor in the car with them the first 3 months of driving.
• 3 to 6 month experienced teen drivers can have immediate family members only in the car with them.
• No driving between midnight and 5am.
• No cell phone usage or other communication device.

Connecticut Auto Insurance Plans For High Risk Drivers 

If you’ve exhausted what you thought to be your last resort in obtaining auto insurance because of you driving record, there are Connecticut auto insurance plans for high risk drivers.  Connecticut’s plan is Connecticut Auto Insurance Assigned Risk Plan.  With these types of plans you will obviously incur a slightly higher premium.  To obtain further information for high risk drivers and any other information in this article, click on the quote tool at the top of the page to begin your search.

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Use the free comparison tool at the top of the page to get started comparing Connecticut auto insurance quotes now!