Making the most of auto insurance in Connecticut requires that you choose the right auto insurance company. You will need to ensure that your auto insurance is able to handle your claims efficiently, fairly and quickly. You may want to check a database of national claims for any complaints on a company. Another strategy is to check with your state's insurance department for the number of consumer complaints on a company compared to the number of policies it sold.

You should also feel comfortable with your Connecticut car insurance purchase method. You can buy insurance from a local agent, directly from the company or online. Auto insurance consists of the following types of coverage:

1. Liability coverage for personal injury and property damage; car insurance companies in Connecticut should provide the minimum coverage that the state requires;
2. Property coverage; this pays for damages and theft of your vehicle;
3. Medical coverage that pays for treating injuries and rehabilitation; this may also cover funeral expenses and lost wages.

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Find out more about laws on automotive insurance in Connecticut

Each state has its own laws regarding auto insurance. These laws cover such issues as the minimum liability coverage, acceptable proof of financial responsibility and the procedure for obtaining license plates in Connecticut.

I recommend: Connecticut Insurance Department provides the complete text for the laws that regulate insurance in Connecticut. CarInsurance.com provides the specific coverage limits for Connecticut auto insurance and answers related questions.

Get Connecticut auto insurance quotes

There are many websites that provide insurance quotes online based on specific information about your vehicle. These websites may also provide other information on car insurance.

I recommend: Geico provides quotes and other useful information on auto insurance in Connecticut. Cheap-connecticutautoinsurance.com allows you to compare up to five quotes on auto insurance in Connecticut.

Find more information on auto insurance from insurance companies in Connecticut

Car insurance companies in Connecticut frequently may be more familiar with local insurance regulations than national competitors. They may also offer articles on car insurance in Connecticut.

I recommend: The Malloy Insurance Agency provides auto insurance in Connecticut and a FAQ on car insurance. The Quintal Insurance Agency only sells insurance in Connecticut and provides a FAQ on auto insurance.

Tips & Tactics

Helpful advice for making the most of this Guide

• •  Get price quotes from at least three different car insurance companies in Connecticut. You may also be able to get a comparison of prices charged by major providers of car insurance. Connecticut premiums will also be partially based on your vehicle's sticker price, repair costs, safety record and likelihood of theft.
• •  Join a state assigned risk pool if you have difficulty finding auto insurance in Connecticut. Each insurer in a state assigned risk pool must accept the drivers that are assigned to it and keep the profit or pay the loss associated with that customer.

Car insurance in Connecticut, like gas or rent, is expensive yet necessary. It doesn't just protect your car from dents; it protects you and other drivers from both bodily harm and financial ruin. For that reason, Connecticut car insurance coverage isn't just something that drivers in the "Constitution State" should have; it's something they must have.

Connecticut auto insurance coverage doesn’t have to break the bank. You may be able to save by shopping around, declining unnecessary coverage and trading high deductibles for lower premiums. Indeed, you can cut costs, but you can't cut corners. If you drive in Connecticut, you need auto insurance in Connecticut. Here's what kind and how much, according to Connecticut state law:

1. When buying auto insurance in Connecticut, drivers must purchase bodily injury liability (BIL), property damage liability (PDL) and uninsured motorist bodily injury (UM) coverage; collision, comprehensive, personal injury protection (PIP) and uninsured property damage coverage are recommended, but not required.
2. Auto insurance in Connecticut must include BIL coverage of at least $20,000 per person and $40,000 per accident for costs associated with the injury or death of others in a wreck.
3. Auto insurance in Connecticut must include PDL coverage of at least $10,000 for damage to another person's property in an accident.
4. In Connecticut, car insurance must include at least $20,000 per person and $40,000 per accident in uninsured motorist bodily injury (UM) coverage in the event that you’re in an accident with an uninsured or hit-and-run driver.

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Browse Connecticut auto insurance rates online

If you need Connecticut auto insurance, online quotes are a good starting point. Available from all major auto insurance companies in Connecticut, they offer a fast and convenient way to research and compare premiums.

I recommend: Get comprehensive online quotes from Connecticut car insurance providers at websites like InsWeb, Insurance.com, InsuranceUSA and InsuranceFinder, or from companies like Progressive and Esurance, which quote both their own and competitors' rates.

Solicit Connecticut car insurance quotes from national providers

Most major car insurance carriers offer auto insurance in Connecticut and all provide competitive Connecticut auto insurance rates.

I recommend: Among the largest and most popular car insurance companies in Connecticut are AIG, Allstate, Chubb, Farmers, GEICO, The Hartford, Liberty Mutual and State Farm. National associations like AAA and AARP are also good sources for affordable auto insurance in Connecticut.

Get car insurance in Connecticut from local and regional companies

In Connecticut, auto insurance rates can vary dramatically; for some of the most affordable, consider locally based providers.

I recommend: For automotive insurance in Connecticut, try Connecticut-based providers and agents like New London County Mutual Insurance Company, Connecticut Life & Casualty Insurance Co. and Connecticut Casualty Company. Also consider local programs, like the Connecticut Automobile Insurance Assigned Risk Plan, which exists for drivers who can't easily find auto insurance in Connecticut.

Use an independent agent to find Connecticut car insurance bargains

Buying car insurance in Connecticut via an independent insurance agent can expose you to new resources, practical advice and special rates.

I recommend: To find an independent agent who can sell you car insurance in Connecticut, use the “find an independent agent” feature at the Independent Insurance Agents of Connecticut website.

Choose Connecticut auto insurance companies that you can trust

Before doing business with Connecticut car insurance providers, review their records with consumers to make sure they are reliable, reputable and responsible.

I recommend: If you subscribe to Consumer Reports, you can check up on car insurance companies in Connecticut. Another good resource is the Connecticut Insurance Department, which compiles statistics on complaints against auto insurance companies in Connecticut that it publishes via rankings on its Consumer Services page.

Tips & Tactics

Helpful advice for making the most of this Guide

• •  Consider buying more coverage than is required by state law; minimum Connecticut car insurance might not be enough to cover car repairs or medical bills after an accident.
• •  Penalties for drivers who don't have Connecticut car insurance include cash fines and vehicle impoundment.
• •  If you're leasing or financing your car, dealerships might require you to have more and better Connecticut auto insurance than is required by state law.
• •  Higher deductibles typically mean lower premiums and more monthly savings on auto insurance in Connecticut.

If you work with car insurance in Connecticut, you will need some training in order to be successful in the insurance business. You might be great at offering car insurance in CT, but in order to offer excellent customer service as well, you will need to educate yourself about policies and insurance rules that are specific to your state. Auto insurance in Connecticut education and training can benefit both your career and your customers.

Connecticut car insurance rules are similar to those of other states. However, you still need to stay informed of any small changes that may occur, as regulations can change yearly or even monthly. Keep yourself educated by considering the following training options:

1. Take education insurance courses periodically to stay up-to-date.
2. Read publications related to car insurance often.
3. Attend training seminars that offer tips about Connecticut auto insurance.
   

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Take licensure and continuing education classes that teach about automobile insurance in Connecticut

Most employees of Connecticut car insurance companies must have a state insurance license, no matter what their job title. This state also requires continuing education each year, and the choice is yours when it comes to which classes to take.

I recommend: Cape School offers continuing education courses for Connecticut auto insurance professionals. Insurance License Training provides Connecticut insurance continuing education courses, including several classes focused specifically on personal auto insurance.

Learn by reading literature regarding automotive insurance in Connecticut

If you don't have a lot of time for classes, read about your profession in your spare time. Whether you want to pick up a book, manual or even audio book about car insurance, agents of insurance companies in Connecticut have plenty of resources at their fingertips.

I recommend: State of Connecticut Insurance Department provides reports, brochures and handbooks that are useful for insurance agents. Independent Insurance Agents of Connecticut lists publications that might be useful for area insurance agents.

Attend seminars that educate about automobile insurance in Connecticut

Whether you attend a seminar or listen to a webinar online, training workshops can be very informative. Seminars will help you stay up-to-date on Connecticut's auto insurance rules and regulations, and assist you in learning everything you can about your profession.

I recommend: Seminar Information Service lists seminars related to insurance with classes available in North Haven, CT. Professional Insurance Agents holds an annual convention specifically for insurance agents in Connecticut that includes a trade show and training seminars.

Tips & Tactics

Helpful advice for making the most of this Guide

• •  Gaining a new certificate or license can be a great way for Connecticut auto insurance providers to not only provide better service to customers, but also attract more customers. Proudly advertise your training achievements and display any new training certificates in your office to increase the confidence potential customers have in your services.

An examination of auto insurance in Connecticut basics should include a look at the different types of auto insurance. Accident coverage is the total coverage for a single accident. Injury liability insurance generally refers to coverage against injuries that are a direct result of an accident. Property liability coverage applies to damages or theft of the covered vehicle, and also pays for damage to other property.

There are three general steps that you will need to complete in order to obtain car insurance in CT:

1. Find the government department that regulates Connecticut auto insurance providers. This agency will serve as a central location for many resources on auto insurance.
2. Determine the auto insurance requirements for Connecticut. Many drivers will choose to obtain only the minimum insurance that Connecticut requires, especially if their car loan has been paid off.
3. Get a quote for auto insurance. There are a large number of auto insurance agencies in Connecticut and multiple quotes will help establish a likely range for a given coverage.
   

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Locate government agencies that deal with Connecticut auto insurance

Connecticut regulates auto insurance, as well as other types of insurance, at the state level. State laws on insurance specify issues such as the insurance coverage requirements, proof of financial responsibility and the licensing requirements for insurance agents.

I recommend: The Connecticut Insurance Department provides variety of auto insurance resources, including tips for saving money. The Connecticut General Assembly addresses auto insurance laws in Chapter 700, Section 38a of the General Statutes of Connecticut.

Find out the minimum coverage limits for Connecticut car insurance

Insurance agencies frequently provide a summary of the types and amounts of auto insurance that Connecticut requires. Other organizations also may provide quick facts on auto insurance requirements in Connecticut.

I recommend: Leading Insurance Quotes.com provides the specific auto insurance minimums for Connecticut. SafeAutoOnline.com provides complete details on the requirements for auto insurance coverage for Connecticut.

Get Connecticut auto insurance quotes

You can easily obtain quotes for Connecticut car insurance over the phone or through email. Most insurance companies will require you to complete a short questionnaire on your vehicle, insurance needs and driving habits.

I recommend: Sumner & Sumner offers an application for a free quote on auto insurance in Connecticut. Kalita Insurance Agency is located in Connecticut and provides free quotes for auto and home insurance.

Tips & Tactics

Helpful advice for making the most of this Guide

• •  Providers of car insurance in Connecticut frequently express insurance requirements as a/b/c where the letters a, b and c represent the different types of coverage needed in thousands of dollars. The letter 'a' is the bodily injury liability, 'b' is the coverage per accident and 'c' is the property damage liability. For example, 25/50/10 coverage means that the policy covers $25,000 per injured person up to a total of $50,000 for the accident with additional coverage of $10,000 for property damage.