Auto Insurance in Connecticut

We have all heard about auto insurance, but very few people know how the policy works. For this reason, many policy buyers end up wasting a lot of time when buying auto insurance, as insurance providers take time to help them understand their policies before signing the documents. If you're purchasing auto insurance for the first time in Connecticut, Brent Young Agency LLC recommends assessing your needs and learning how the policy works before shopping. To get you started on the right foot, here are a few basics.

Car insurance is mandatory in Connecticut.

Every driver in Connecticut is required to have the minimum bodily injury liability, property damage liability, and uninsured/underinsured motorist coverage. That means driving without insurance can get you into serious trouble with the law. Teen drivers with learner permits are also required to be accompanied by a qualified trainer, parent or guardian, or a person (older than 20 years) giving directions.

Auto insurance coverages

Auto insurance makes you financially responsible for anything that might happen on the roads. Most auto insurance policies come with various coverages to ensure that every risk is covered. Here are the popular coverages:

  • Bodily injury liability
  • Property damage liability
  • Uninsured/underinsured motorist
  • Medical coverage
  • Collision coverage
  • Comprehensive coverage

While these are the basic coverages, there exist optional coverages such as towing and labor cost, gap coverage, and ride-sharing coverage that vary based on your situation. Your insurance agent can help you choose what works for you to avoid buying unnecessary coverages.

Who is covered?

Auto insurance is designed to cover you and other family members--whether driving or riding in your car. It also covers other people who drive your car with your consent.

How much insurance should you get?

The minimum required insurance is not adequate to cover you in the event of an accident. That's why we recommend speaking to your insurance provider to help you add other helpful coverages such as liability, comprehensive and collision, as well as medical payments.

If you don't have auto insurance and drive on state roads, it's essential to get a policy as soon as possible. Contact Brent Young Agency LLC in Manchester, CT today for quotes or any information about auto insurance.