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What Car Insurance Coverage Do I Need?
Decide how much liability coverage is enough for similar type of drivers.
Cheap Auto Insurance in Connecticut
In the auto insurance industry, Connecticut is known as the most expensive, but that does not mean that high costs have to be paid by the drivers. These insurance companies provide a lot of variations, and it mainly depends on the company which they insure with. It is obligatory that all registered cars in Connecticut must be insured as not following the legal requirement can pay them a big price. There is much cheap auto insurance in Connecticut and across 66 cities. The cost for the cheapest insurer ranges from $985 - $6736 and the average cost for the benchmark drivers annually was $2,228.
Average Auto Insurance Rates in Connecticut
The liability for the car insurance drivers can have in Connecticut in minimum limits included $20,000 for bodily injury and per person, $40,000 for bodily injury, and $10,000 for property damage. According to the Auto Insurance rates attained by the National Association of Insurance Commissioners, it showed that the average annual premium of Connecticut in the year 2010 was $1,065.92. In the majority of the states, the car insurance premium rates have increased to a great extent.
Car Insurance requirements in Connecticut
Optional car insurance is also made available in Connecticut, and these mainly include Collision, Comprehensive, Rental and Emergency Road Service. The Comprehensive Connecticut auto insurance is very useful and helps to cover the damages to your car, and that is related to theft-related damages and not to traffic accidents. The best feature is that the auto insurance quotes significantly vary in Connecticut depending on the age of the applicant. The average cost of auto insurance Connecticut is $1.638.
| Connecticut Required Car Insurance Coverage | CT Required Min. Limits |
|---|---|
| Bodily Injury (BI) | $25,000 per person / $50,000 per accident |
| Property Damage (PD) | $25,000 per accident |
| Uninsured/Underinsured Motorist Bodily Injury (UM/UIMBI) | $25,000 per person / $50,000 per accident |
The population density in Connecticut is high, and the auto insurance premium is 16% above the national average. It is possible to purchase progressive auto insurance in Connecticut online and start saving. The rates for different insurance coverage like for trucks, cars, and motorcycles can be compared online. The auto insurance rates in Connecticut are on the higher side and on an average it is $1,927 per year. In other places nationwide the average auto insurance rate is $1,669.
Recommended Car Insurance Coverage in Connecticut
There are a number of variables that impact the cost of auto insurance, and these include higher income level of the state and even the cost of living. The minimum liability coverage of the state is 20/40/10, and it is significantly less than many other states. Connecticut is the third smallest state of U.S.A, and in the list of densely populated states, it ranks fourth. The average cost for automotive insurance in Connecticut is about $120, and it mainly depends on the zip code.
| Coverage | Requirements | Most Common |
| Bodily Injury Liability | 20,000/40,000 | 100,000/300,000 |
| Property Damage Liability | 10,000 | 50,000 |
| Uninsured Motorist Bodily Injury | 20,000/40,000 | 20,000/40,000 |
| Medical Payments | Not required | 5,000 |
| Collision | Not required | 500 deductible |
| Comprehensive | Not required | 0 deductible |
Laws in Connecticut
According to the State law in Connecticut, any individual interested in receiving a motor vehicle registration must maintain a minimum amount of financial security. The amount includes liability coverage and uninsured motorist. In most of the states, the drivers need to compulsory carry their liability insurance coverage and primarily to ensure that the drivers can cover the cost of damage to property in case of an accident. The Connecticut auto insurance laws mainly follow the fault-based insurance system like many other U.S states. In this type of insurance system, the passengers, drivers or pedestrians involved in the car accidents can file a claim with their respective insurance company. The insurance company will pursue reimbursement from the at-fault and her or his insurance carrier. The claim can be filed directly even with the insurance company of the at-fault’s driver and which is called a third party claim. The other option is to go to the court and file a lawsuit against personal injury lawsuit.
Speed Limits in Connecticut
Rural Interstates
| Cars (MPH) | Trucks (MPH) |
|---|---|
| 65 | 65 |
Urban Interstates
| Cars (MPH) | Trucks (MPH) |
|---|---|
| 55 | 55 |
Other Limited Access Roads
| Cars (MPH) | Trucks (MPH) |
|---|---|
| 65 | 65 |
Insurance Laws in Connecticut
The Insurance laws in Connecticut are very strict, and it is obligatory that motorists sustain the least insurance requirement. The minimum insurance requirement includes mainly uninsured motorists coverage and liability. Drivers who do not comply with the law of the state must pay fine, and it is recommended that they obtain additional coverage mainly to maximize their protection. The Connecticut car insurance mainly provides coverage for bodily injury and property damage and establishing proof of insurance is a responsibility.
The required documentation for attaining proof of insurance includes insurance ID card, a copy of insurance policy or binder. It is obligatory that the proof of insurance is produced after an accident when asked by a police officer while registering the vehicle in the state and at the time of operating a vehicle. Failure to maintain the regulations can lead to paying up for penalties like fine of $200 and suspension of your license and registration. The privilege of registering for a new vehicle will also be lost in any state.
