In Connecticut car insurance plans are a necessary evil for anyone who owns a motor vehicle. However, not all car insurance plans are the same, nor should they be. Deciding on the car insurance you will invest in depends on your state’s mandatory coverage, your budget, your priorities, where you live and whether or not your vehicle is financed.

Mandatory Coverage for Connecticut Car Insurance Plans

The state of Connecticut has mandated that every vehicle be insured for no less than amounts of:
$20,000 for bodily injury liability per person
$40,000 for bodily injury liability per accident in total
$10,000 for property damage liability per accident.

While you can carry just this amount of coverage, it is much wiser to go with limits that are higher, in addition to other types of coverage. Consider liability coverage of at least $100,000 bodily injury per person, $300,000 bodily injury per accident and $100,000 property damage per accident.

Suggested Coverage for Connecticut Car Insurance Plans

In the state of Connecticut approximately 9.5% of motorists are uninsured. What this means for those who are shopping for insurance is that carrying uninsured motorist coverage is a wise bet. When you have a 10% chance of the at-fault driver in an accident being uninsured, this type of coverage can be very useful.

Medical payments or PIP, also known as Personal Injury Protection, is another type of car insurance coverage worth carrying. It covers a variety of medical expenses for you and your passengers, as well as lost wages, if you are hurt in a car accident.

If your vehicle is financed, your lending institution will insist that you carry full coverage car insurance plans. What this means is at least liability, comprehensive and collision coverage. While liability provides for third parties involved in an accident, collision will take care of your own vehicle’s property damage. Comprehensive provides coverage against perils like theft, storm damage, vandalism and fire. For a vehicle that you own outright, you do not need to carry these types of coverage, but they may be advisable if you would be financially inconvenienced by having to replace the vehicle in the case of destruction or damage.

Finding a Deal on Connecticut Car Insurance Plans

When you are shopping around for Connecticut car insurance plans, take the time to compare and contrast a variety of plans from different companies. Look beyond just price and check out the company you are considering getting your insurance from. There is not just a big price difference; there is also a big difference in quality service and dependability. Get quotes now!