Did you know that there are more than 6 million cases of car-related accidents in America every year? The statistics speak for themselves and it would be foolish not to prepare for the worst. If you are living in Connecticut, you should know that the car insurance regulations there are not that much different to the laws and regulations other states in the country enforce. The regulations are being placed to make sure that drivers are protected by the insurance coverage in case of an accident. It is quite unfortunate how many people still don’t understand the importance of auto insurance policy though. By enforcing people to get an auto insurance policy, at the very least they get minimum protection in the event of an accident.
Car Insurance Laws in Connecticut
In Connecticut, the law states that all drivers must have insurance policy that provides a minimum protection of $20,000 per each bodily injury liability, as well as another $40,000 minimum protection for each accident. In addition, the auto insurance of the drivers must be enough to cover at least $10,000 of property damage per accident. Drivers in the state are also recommended to have an insurance policy coverage of $20,000 against under-insured and uninsured drivers. You may want to take note of the Connecticut car insurance laws mentioned here.
While the law only states that you should have car insurance with minimum coverage, it does not mean that you can’t get better insurance policy. Since in many cases of car accidents the cost of property damage often surpasses the minimum coverage, getting insurance policy that offers better coverage is recommended. At the end of the day, your well-being should be put as a priority – even it means paying a little bit more of premiums.
Getting Affordable Insurance Coverage
Auto insurance that offers higher protection comes in higher premiums as well – that’s to be expected. There are, however, ways to get affordable Connecticut car insurance that still provide as good as service and coverage as the costlier ones. The key here is to make use of the discounts that insurance companies usually give out to consumers. Below you will find how to get lower insurance cost.
Tips to Lower Insurance Cost
Most insurance companies will reduce their quotes if you agree to purchase multi-car insurance policies. The so-called multi-car insurance policy means you are applying for more than one car in the family. You can expect to get about 10 percent discounts by applying for such policies. However, do note that the premiums may rise if you decide to switch to the regular policy.
Another tip that you can use to lower your cost of Connecticut car insurance is to apply for multi-purpose policies. Aside from offering insurance on cars, most companies also offer different kind of policy for your health, life, education, house, and more. If you apply for several policies within the same company, you can always make a case to have the company providing lower premiums. Think of it as a perk for being a loyal customer of the company.
As for the higher deductible discount, you can pursue this if you have a brand new car. Doing so can help save a lot of money in the long run. Although the initial cost is slightly higher, your monthly premiums will be set lower.
All in All
The main factor to get Connecticut car insurance is to protect your well-being, as well as your properties, in the event of accidents in your hometown. Make sure you choose the policy that suits your budget the most – and one that offers the highest level of protection. Hopefully now you know more about Connecticut car insurance laws and the importance of getting one to protect yourself and the family.
If you want to know more about Connecticut car insurance regulations, you will find more guides on the website.
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