Share:

When motorists start shopping for auto insurance, cost is usually the main concern. However, it’s also important to have the right coverage for your specific circumstances. With diverse, affordable car insurance options in Watertown, CT, Kalita Agency is happy to explain which policies may suit your needs.

Choosing Auto Insurance Based on Your Unique Situation

You Want to Meet the Minimum Requirements

In the state of Connecticut, motorists are required to have liability coverage. This policy is designed to protect other parties if they—or their property—are harmed in an accident you caused. This minimum coverage amounts to $20,000 of bodily injury coverage per person, or $40,000 per accident. It also includes $40,000 of property damage coverage per accident. Connecticut also requires uninsured motorist coverage. Essentially, this ensures your medical bills are paid for should an at-fault party not have auto insurance.

You Financed or Leased Your Car

auto insuranceIf you drive a vehicle that is financed or leased, your lender or dealership will likely require both collision and comprehensive coverage in addition to the minimum liability coverage required by the state. These auto insurance policies protect their investment if the car is damaged before the loan is paid off or the lease term is finished.

Collision insurance is used to pay for repairs if your vehicle is damaged in an accident you caused. Comprehensive insurance, on the other hand, covers costs associated with events outside of your control—such as fire, weather, vandalism, and theft. In some cases, dealerships and lenders may also require gap insurance. This coverage provides compensation for the unpaid amount on your loan or lease if your car is totaled.

You Had a Suspended Driver’s License

When reinstating a driver’s license after it’s suspended, you may be required to have SR-22 insurance for a specific amount of time. SR-22 refers to a form that a qualified insurer sends to the state to show they are maintaining minimum coverage. Any failures to deliver payment must be reported to the DMV by the insurer, which may cause you to lose your license.

Drivers in the Waterford, CT, area who need help finding the right type of auto insurance at a reasonable price at can turn to Kalita Agency. By working with several respected carriers, this team will compare rates and provide the ideal coverage for your needs. To learn more about the personal insurance products this independent agency offers, visit them online. You can also call (860) 274-8882 to speak with a licensed professional about getting an affordable car insurance quote.

tracking