 Auto insurance is to help to pay for:Repairs Medical expenses Rental fees What Is the Purpose of Auto Insurance?The purpose of the Auto Insurance is that if you have it, you’d have to pay for costly claims out of pocket. This could put your personal assets at financial risk. For example, we offer extra perks that drivers can enjoy with their car insurance policy, such as helping find a repair shop or getting a rental car.  What Does Connecticut Car Insurance Cover?Your car insurance can help you cover different costs if you get into an accident. We offer different car insurance coverages that you can add to your policy, such as:
 Do I Need Car Insurance?Most states require drivers to carry car insurance. If you don’t, you’re not only responsible for claims costs, but can also face fines, penalties and possible criminal charges. Your state’s car insurance laws will tell you the minimum amount you need for bodily injury liability and property damage liability coverages. It’s up to you if you want to add more coverage. Remember if you have more coverage, you can avoid paying out of pocket for repairs or injuries. For example, if you add collision coverage and comprehensive coverage, this can be considered full coverage auto insurance. We can work with you to get the right amount of coverage for your car insurance policy. You can start by getting a car insurance quote. Or find out how to switch car insurance. How Is Car Insurance Priced?When you get a quote, insurers use a car insurance calculator to determine your cost. They look at different factors, such as your: Driving record because a clean claims history means you’re a safe driver. Location, since more populated areas can increase your risk of an accident, vandalism or theft. Coverage history to make sure you’ve had continuous auto insurance protection. Vehicle details, such as the make, model and year. Driving habits because the more you drive in a year, the higher your rate may be. Deductible amount because a higher deductible can lower your rate. Every car insurance policy is unique to the driver. Our specialists can help you get the right policy and let you know what your car insurance cost will be.  To understand your purchase of auto insurance, you should be familiar with a few terms. Liability insurance covers bodily injury to other people and damage to the property of others caused by your negligence or the negligence of someone driving your car with your permission. A minimum of $25,000 per person and $50,000 per accident for bodily injury liability and $25,000 per accident for property damage liability, is required by law, but drivers are strongly urged to consider higher limits. Uninsured/underinsured motorist coverage covers bodily injury to you, your relatives who live with you and your passengers if they are injured in an accident caused by an uninsured motorist, a motorist whose bodily injury liability limits are less than your uninsured/underinsured motorist limits or a hit-and-run driver. The standard coverage is an amount equal to your bodily injury liability coverage, but you may purchase additional coverage up to an amount double your bodily injury liability. The minimum amount required by law is $25,000 per person, $50,000 per accident. Underinsured motorist conversion coverage also provides for reimbursement in case you are injured by an underinsured driver. If your damages exceed the at-fault driver’s insurance, or other payments, your underinsured motorist conversion coverage will be available for damages not paid. This optional coverage is not reduced by payments from any other source, including the at-fault driver’s liability insurance. Basic reparations or medical payments coverage. This optional coverage replaces formerly mandatory coverage and provides for medical payments, and in some cases, lost wages and funeral expenses if you or a relative living with you are injured or killed in an accident. Collision coverage covers damage to your car caused by collision with another vehicle or object or by your car turning over. There is almost always a deductible which you must pay if you repair or replace the car. Comprehensive coverage covers damage to your car other than that caused by collision, including theft, vandalism, impact with animals or birds, explosion, flood, falling objects, windstorm and glass breakage. As with collision coverage, there is usually a deductible. Full glass coverage covers your car’s glass for breakage of safety glass with no deductible for an extra premium. Towing coverage covers the expense of towing your car to a shop. Rental reimbursement pays toward the expense of renting a vehicle if you have a loss covered by either collision or comprehensive coverage and your car is disabled. 
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