In the good ole Constitution state buying car insurance isn't always clear and it can be overwhelming. We have compiled information for this guide that lists everything you need to know so that you can easily get the car insurance plan that fits your personal needs - at the lowest rate.
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In Connecticut, there are state minimum requirements in place to operate a car. Connecticut car insurance requirements are bodily injury liability, property damage liability, and uninsured motorists. These coverages will protect you and the opposing party in the event of an accident. Here is a detailed list of the required limits:
|Bodily Injury Liability Coverage||$25,000 per person and $50,000 per accident.|
|Property Damage Liability Coverage||$25,000 per accident.|
|Uninsured/underinsured motorist bodily injury||
Do I Need More Than the Minimum Coverage?
It is always suggested to purchase as much car insurance as you can afford. This will help ensure you have the best coverage for your budget. There are many additional coverage options to add to your policy for maximum protection while you are on the road. It is worth the time to look into the options for additional peace of mind.
Additional Coverages Available in Connecticut
Adding additional coverages to your policy is a great idea, but it can be overwhelming. Here is a list of coverages and how they protect you:
Personal Injury Protection- Depending on your state this type of insurance can be a requirement or an add on. Regardless of fault personal injury protection will cover medical expenses and loss of wages for you and your passengers (up to your limit). It also includes up to $5,000 for funeral expenses.
Collision Coverage- Collision insurance will cover repairs to your vehicle in an accident you are at fault for.
Comprehensive Coverage- Comprehensive insurance covers you for other situations than a car accident; if you hit an animal, vandalism, fire, hail, flooding, or of your car is stolen.
Uninsured/Underinsured Motorists- Optional coverage that protects you if you are involved in an accident with a driver who has no insurance or too little insurance to cover the accident.
Medical Coverage- Optional coverage that will pay for medical bills when health insurance exceeds coverage amounts and covers medical expenses for you and your passengers. Do you walk or bike? This policy offers additional coverage if you are struck by a car in those instances.
Gap Insurance- Optional coverage that will pay if you don’t own your car outright and have an accident. Gap insurance will pay the difference between the cash value of your car and the current balance on your loan or lease. This policy is best for newer non-owned cars.
Teen Drivers in Connecticut
Starting at 16 your teen can get their permit in Connecticut. This means they need to be added to your car insurance. Adding a teen to your policy and paying for all the requirements is a large expense. However, a teen driver is held to the same standards as an adult driver and purchasing insurance is a must. The cheapest option to insure your teen is adding them to your existing policy.
Multiple Drivers in Connecticut
Do you have multiple drivers in your household? It is best to add them to your policy. This will provide coverage if the additional drivers are in an accident in your car. A policy with multiple drivers typically reflects the premium of the driver posing the highest risk. It is important to know if you choose to exclude any drivers in your household you will be responsible for any accidents out-of-pocket.
Penalties for Driving Without Car Insurance
Driving without car insurance in Connecticut can be costly with fines, driver’s license suspension, and registration suspension. It is also an inconvenience to lose the ability to legally drive for one to six months. Here are the penalties if you are caught driving without car insurance in Connecticut:
First Offense- You will pay a fine between $100-$1000. Your driver’s license and registration will be suspended for one month. You must provide proof of insurance.
Second and Subsequent Offenses- You will pay a fine between $100-$1000. Your driver’s license and registration will be suspended for six months. You must provide proof of insurance.
Car Insurance Savings in Connecticut
There are many options to save on car insurance in Connecticut. It is important to ask your agent for a full list of available discounts. This will help you select the discounts you qualify for. Here is a list of common discounts in Connecticut:
Good Driver- Maintain a good driving record free of accidents, tickets, and any moving violations.
Multiple Policy- Most insurance companies will offer a discount for having multiple policies such as car insurance, renters insurance, homeowners insurance, or motorcycle insurance.
Good Student- If you are a student enrolled in high school or college curriculum and maintaining a B average most companies offer a discount.
Get a Quote for Connecticut Car Insurance
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