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Deciding what kind of car insurance you need can be challenging, as everyone's car insurance needs vary. But doing your research will pay off should you ever need to file a claim. The K.L. Smith Agency of Willimantic, CT, is here to help you choose the right coverage for your situation. 

Here are a few ways to determine what kind of car insurance coverage you need:

  • If Your Car Isn’t Paid Off: If you’re still making car payments, you may be required to carry full coverage insurance. This is to protect the lender in case you are in an accident that totals your car. Once your car is paid off, you may or may not want to continue this coverage. Most experts recommend carrying it if your car is worth $5,000 or more.

  • car-insuranceIf You Can Afford to Pay Off Damage Yourself: One in eight drivers does not carry insurance even though they are required to do so by law. Unfortunately, if you don't have collision coverage, you could be on the hook for repairs to your car. If you can't afford that out-of-pocket spending, you want that coverage.

  • If You Live in an Area Where Car Theft Is Common: If you live in an area with high theft rates, you will want to have comprehensive coverage. This helps protect your car in the case of a variety of unforeseen events, like floods, hail damage, glass breakage and theft.

If you are in need of car insurance, a professional agent can help you determine which types of coverage you should have based on your circumstances. To find out more, call K.L. Smith Agency in Willimantic at (860) 423-9294 You can also see their website for details about everything from small business insurance to renters insurance.

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