Cheap Connecticut Auto Insurance Quotes
Connecticut auto insurance is more expensive than the national U.S. average. Motorists in CT pay an average of $2,050 for their yearly automobile insurance. Connecticut 
uses a Tort system with respect to their vehicle insurance laws. This system requires that an at-fault driver be determined for each motor vehicle accident. The driver deemed to be the cause of the accident will be responsible (along with their insurer) for the damage/s to the victim/s. The at-fault driver’s insurance company will only be responsible up to the pre-set limit on the driver’s insurance policy.
In CT, the required minimum cheap auto insurance quotes and limits are as follows: liability for bodily injury to each person with a minimum required limit of $20,000; liability for bodily injury to all persons with a minimum required limit of $40,000; property damage liability with a minimum limit of $10,000. Connecticut also requires that drivers purchase uninsured and underinsured motorists coverage for bodily injury with minimum limits of $20,000/$40,000.
The above coverage types/limits are just the minimums required for your cheap auto insurance quotes to be considered legal. Many drivers choose to add different types of coverage and/or increase their limits on liability. Carrying only the minimum coverage may be considered risky for some drivers. People who own property may want to consider increasing these limits – this will help achieve better protection if you are involved in a severe at-fault motor vehicle accident.
The optional coverage types in CT include:
Comprehensive - A physical coverage that pays for damages to a vehicle when a loss occurs while the vehicle is stationary. Some examples would be: dents and dings while parked, broken windshield, vandalism, and theft. This coverage most likely will have a deductible.
Collision - A physical coverage that pays for damages to a vehicle when a loss occurs in a movable accident. An example would be: moving accident with another vehicle, object or animal. This coverage most likely will have a deductible.
PIP (Personal Injury Protection) – This coverage is mandatory in no-fault and PIP add-on states. It is however optional in other states, including CT. It will cover your medical expenses, as well as your passengers’. This coverage pays for work loss and has a death benefit to the policyholder.
Medical Payments – Only pays for medical costs. This coverage does not pay for work loss and does not have a death benefit.
Rental Car Reimbursement – Pays for all or a portion of a rental car when your vehicle is being repaired after an accident.
GAP – Covers the difference between the book value and the loan balance if a vehicle is considered totaled.
Uninsured/Underinsured Motorist – These are required in Connecticut (for bodily injury). UM/UIM pay for injury and damages when a policyholder is involved with an uninsured driver (e.g. hit and run) or someone with not enough coverage. In CT, only bodily injury is required; UM/UMI for property damage can be purchased as an option as well. For more information about cheap auto insurance in Connecticut, please visit the Connecticut Insurance Department.
