Auto insurance coverage blends several types of coverage into one policy.
Typically, your policy will include some combination of comprehensive, collision, medical, liability and uninsured motorist coverage.
So what do you need? It depends on your specific situation. Liability pays for the damage you cause to others if your car is involved in an accident. It also protects you from being wiped out financially if you are sued following an accident. The greater your assets, the more you stand to lose. If you have substantial financial resources, you may need liability coverage that exceeds the coverage that you’ll get from an auto insurance policy. In that case, a Personal Umbrella can provide the extra liability protection you need.
Collision covers damage to your car from an accident. We can help you decide whether or not to carry collision coverage by balancing the cost of collision insurance with the value of your car. It might not be worth paying $200 a year for collision insurance on a car that’s worth only $1,000. But if the car is worth $10,000, you probably want this coverage.
Comprehensive coverage pays for your car if it is stolen, vandalized or damaged in some way other than in a collision. Medical coverage provides for medical expenses to you and your passengers that are the result of an accident. The way you use your car may make a difference in the amount of medical coverage you need. For example, we might suggest more coverage for a parent who regularly takes a carload of kids to soccer practice than for a driver who expects to drive mostly alone.
Keep in mind that many states require certain minimum levels of coverage. We’d be happy to talk with you about these and other factors.
For some people, a car expresses the essence of their being. To others, it’s an object to get from point A to point B. We offer a variety of coverages and companies to choose from, based on your specific needs.
Depending on the company you choose, you can get discounts for:
Being a Good Driver
Being a Good Student
Driving a Safe Car
Having a Homeowner’s Policy with your auto insurance carrier
Other advantages you could enjoy:
Free Windshield Repair
24-Hour Claims Hotline
Guarantee on Repairs
Flexible Payment Options
Advantages vary from company to company, and some require the purchase of certain coverages. We’ll review your options with you to find the company and coverage that are right for you.
Questions? Visit our Auto Insurance Questions page for answers to the most commonly asked questions.
Fast, Free Auto Insurance Quote:
Looking for an affordable insurance quote with the best protection? Fill out the quick form on the right, and an agent will respond to you within 1 business day.
Need your quote right away? Give us a call at (203) 775-2564. You’ll be glad you did!
We are licensed in the following States/Provinces:
Connecticut – Arizona – California – Georgia