Cheap Connecticut Car Insurance Quote
When shopping for insurance in Connecticut, you will probably always be looking for cheap connecticut car insurance quotes. What will follow are some examples of cheap connecticut car insurance quotes for a Toyota Camry Hybrid 2007. What kind of insurance can you have with the cheapest price but with an acceptable coverage? Let’s find out.
First of all, you must know the types of insurance that Connecticut carries because it varies from state to state. Here are the three types of coverages that are essential.
1. Liability Coverage
In most states this is the only required insurance for a driver. It covers bodily injury and property damage to others in the event that you are to blame in an accident resulting from the ownership, maintenance or use of your car. (Should you be involved in an accident in which you are not to blame, the other party's insurance will cover you, or so the theory goes.) Different states require different amounts of liability. Check with your state's Insurance Department to determine the amount.
2. Collision Coverage
This type of insurance covers your vehicle during an accident.
3. Comprehensive Coverage
This insurance covers your car for damage to the policyholder's car that doesn't involve a collision with another car, such as theft, fire and vandalism, among other things.
Connecticut Car Insurance
Company Comparison
Three insurance companies were tested with the same car and pretty much the basic policy coverage as to get the cheapest Connecticut car insurance quote. Safeco, Unitrin Direct and Esurance were given the same information and the same coverage. None the less, the price varied quite a bit.
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Safeco comes in at number 1 for the cheapest with $359 for 6 months or $124 down payment and 4 payments of $60.
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Unitrin Direct is a far away second with $486 for 6 months or a $122 down payment and 5 payments of $73.
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Esurance comes in last with $534 for 6 months or a $171 down payment and 4 payments of $91.
Now lets see what kind of coverage we get for all three.
Bodily Injury Liability
If you or another driver covered by the policy are found to be at fault in an accident resulting in injuries or fatalities, the following is covered under Bodily Injury coverage:
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Medical expenses
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Lost wages
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Pain and suffering
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Legal defense if the drivers listed on the policy are involved in a lawsuit resulting from a car accident
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20,000$/40,000$ limit
Property Damage
If you or another covered driver are found to be at fault in an accident, the following is covered under Property Damage coverage:
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Damage to another person's property (e.g., fence, car, or home)
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Legal costs associated with a damage incident
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10,000$ limit
Medical Payments
Medical payments is an optional coverage that pays for medical and dental treatment, hospitalization, professional nursing services, prostheses, and funeral expenses if a covered driver and/or accompanying passengers are injured while in an insured vehicle, regardless of who is at fault in the accident. The coverage limit refers to the maximum amount that will be paid per person, per accident. Here it is $1,000.
Uninsured Motorist Bodily Injury
If you're injured in an accident caused by a driver who has no insurance coverage, uninsured motorist bodily injury coverage covers the following expenses:
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Medical
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Lost wages
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Other general damages
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Injuries sustained in hit-and-run accidents
Who’s covered?
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Policyholder
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Other drivers covered by the policy
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Passengers
If the other driver involved in an accident does not have enough coverage, or no coverage at all, this coverage pays up to the limit you purchase. The coverage limits you see in your quote refer to the maximum amount that will be paid per person, per incident, respectively.
However, if you receive any money for damages related to an accident from Worker’s Compensation, disability, or from this or another insurance policy, the amount you receive will be deducted from the amount paid by this coverage.
If you choose the Conversion level of coverage, you will not be limited to the amount paid because of other compensation.
Comprehensive Coverage
Comprehensive coverage is optional in your state. However, it must be included on policies that have collision coverage and it may be required if you have a loan or lease on your vehicle.
What’s covered?
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Damage not resulting from a collision. (e.g., damage from falling objects, fire, certain natural disasters, and vandalism)
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Theft
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Glass damage
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Damage from hitting an animal
Collision Coverage
What’s covered?
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Repair or replacement of vehicle that has collided with other cars/objects or has rolled over.
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Towing and/or related labor:
Find Cheap Connecticut Car Insurance Now!
As you can see, these three companies offer similiar policies for very different prices.
One way to make sure you are getting the best rate on your Connecticut car insurance policy is to shop around and compare quotes from multiple companies.
Our free Connecticut car insurance quote tool makes this quick and easy. Start finding cheap Connecticut car insurance now!