One drive through the state of Connecticut and there will be no doubts as to why so many people travel to this beautiful state each year to vacation. Unfortunately for Connecticut residents, this increases the amount of motorists on the roads. With the elevated chance of being involved in a traffic accident, it is very important that all Connecticut residents carry at least the minimum liability coverage at all times. CarInsuranceQuotes.com understands how time consuming it can be to search the Internet for low cost insurance policies from companies you can trust and that is why CarInsuranceQuotes.com has partnered with reputable companies like Allstate, Farmers’ Insurance Group and AIG to help Connecticut residents find quality car insurance at prices they can afford.
Connecticut Car Insurance Requirements
Because of the influx in the amount of motorists during the tourist season and the chance that many of them will not have sufficient insurance coverage, the state of Connecticut requires its residents to carry Uninsured motorist protection. Uninsured motorist protection will pay for damages to the insured’s vehicle and cover medical expenses in the event that the other driver does not have insurance or their coverage is not sufficient.
All Connecticut citizens are required to maintain a minimum amount of liability coverage to cover bodily injury and property damage in the event that the incident is found to be their fault. The minimum bodily injury liability and property damage liability for the state of Connecticut is 20/40/10. These three numbers indicate the maximum amount the Connecticut car insurance company will spend, in thousands, for damages before the at-fault party will be liable.
• Bodily Injury Liability- The first two numbers represent the minimum amount of bodily injury liability coverage that must be maintained. The insurance company will cover up to $20,000 for the medical expenses of a single person with a maximum of $40,000 for all persons in the vehicle.
• Property Damage Liability- The third number is the amount of property damage liability coverage each person must have. To cover the expenses to buildings, signs and the other person’s vehicle, the insurance company will cover a maximum of $10,000 if you obtain minimum coverage.
Though these are the required minimums, the state of Connecticut recommends that all residents obtain better than the minimum coverage as damages can easily exceed these amounts. It is also recommended that all drivers have Comprehensive and Collision coverage to pay for any damages to the insured’s vehicle in the event that they are found to be at fault or their vehicle is damaged by acts of nature or wildlife.
Average insurance premiums for Connecticut residents is on the rise. In fact, between the years of 2006 and 2007, the state of Connecticut saw the fourth highest increase in the country; up 3% from $1965 to $2025. CarInsuranceQuotes.com understands how expensive car insurance can be, and that is why CarInsuranceQuotes.com searches online to find our customers cheap insurance quotes from our partner companies. All you have to do is enter your Zip code and answer a few general questions about your driving history to get multiple Connecticut car insurance quotes so you can choose the best quote online from a company you know. And all in under five minutes!