Finding affordable car insurance doesn’t have to be a hassle. Petruzelo Insurance makes it easy to find the coverage you need at a price that fits your budget.

Choose the Right Kinds of Coverage

In Connecticut, all drivers are required to carry liability and uninsured/underinsured motorist insurance. Liability coverage will pay for another person’s medical bills and/or property damage if a driver on your policy causes an accident. Uninsured/underinsured motorist coverage will pay a claim if you get hit by a driver who doesn’t have insurance or who doesn’t have high enough limits to cover your losses.

You can include one or more forms of optional coverage in your policy. Collision coverage will pay to repair your car if you hit another vehicle or an object, such as a fence or a guardrail. Comprehensive coverage can pay for repairs if you hit an animal or if your car gets damaged by severe weather. The comprehensive portion of your policy can also cover your losses if you’re a victim of theft or vandalism.  

If you have a newer car, it will be wise to include collision and comprehensive coverage. If you have a loan, the lender might require you to have those forms of coverage. If you have an older vehicle, you might decide to forgo collision and comprehensive coverage to keep your premiums affordable.

Select the Right Coverage Limits

Connecticut law sets minimum requirements for liability and uninsured/underinsured motorist coverage. Those levels of coverage might not provide adequate protection. That’s why drivers frequently choose higher limits.

A policy with robust coverage can cost significantly more than a bare-bones policy that only includes required coverage. You might be tempted to purchase the cheapest policy you can find, but skimping on car insurance can come back to haunt you. If you’re involved in an accident and you don’t have the necessary coverage, you might get sued and lose your house and other assets. 

Find the Car Insurance Policy That’s Right for You

Auto insurance coverage is vital, but it doesn’t have to place an undue burden on your budget. Insurance companies offer discounts that help customers save money. Insuring two or more vehicles and bundling multiple policies are among the most common ways that drivers keep their premiums down. Insurance companies also give discounts to customers with safe driving records and people who belong to certain professional and civic organizations. 

A member of the team at Petruzelo Insurance can discuss your circumstances, help you select the right types and amounts of coverage, and get quotes from several top carriers. Contact us today to learn more.