Auto Insurance in Norwich, CT
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Car Insurance That Fits Your Driving Needs and Your Budget
Founded in the 1600s and surrounded by the Quinebaug, Shetucket, Thames, and Yantic Rivers, Norwich, CT, is a gorgeous city that nearly 40,000 people call home. Its proximity to Long Island, affordable housing options, and unique culture and entertainment choices make the area popular among residents and visitors alike. Whether you are moving to the area, already live in it, or are just passing through, you'll need a car to visit all the best spots in this city. That means you'll also need reputable car insurance in Norwich, CT.
Minimum Car Insurance Requirements in Connecticut
Like most states, Connecticut requires its drivers to carry a minimum amount of liability insurance. It not only protects the driver who carries it but passengers and those in other vehicles as well. At a minimum, licensed drivers must carry a 25/50/25 liability policy. This means an insurance agency will provide up to $50,000 for medical bills or end-of-life expenses after an accident and up to $25,000 for repairing or replacing vehicles or other damaged property.
Driving without car insurance in Norwich, CT carries with it hefty fines. If you are caught uninsured, you could be charged with a misdemeanor. Punishments include a fine of up to $500, the potential for imprisonment for up to three months, loss of license, or a combination of all the above. For this reason, choosing the right policy to meet your needs is essential.
Other Types of Auto Insurance Coverage
The minimum liability coverage is just that. In fact, if you are at fault in an accident that is anything more than minor, your 25/50/25 plan likely won't cover all the medical costs or damage. For this reason, it's a good idea to get higher limits for your liability insurance.
Collision and comprehensive coverage are also important. A collision policy protects you by covering the damage to your car if it hits another vehicle or if you roll it during an accident. Comprehensive coverage protects you in a range of non-accident situations, such as if your car is vandalized, hit by a falling object, or falls victim to a tornado or another natural disaster.
You may also want to consider full glass coverage, towing coverage, and rental reimbursement. Many times, insurance won't cover glass if it breaks outside of an accident, but you can create a policy that will. Adding towing service to your policy keeps you from paying high costs to tow your car to a shop after an accident or if it breaks down. Finally, rental reimbursement protects your finances if you need to rent a car or use ridesharing services while you're waiting for yours to be repaired or replaced after a crash.
The Cost of Auto Insurance
One of the first things people ask when considering car insurance in Norwich, CT, from VIU by HUB is how much it costs. The simple answer is that it varies. When determining your monthly premium, we factor in which types of insurance you have. The more add-on coverage you purchase, the more you'll pay per month, but the more you'll save if you end up needing the policy.
In addition to what you're purchasing, we base our pricing on what types of cars you drive, who you want to insure and what their driving records look like, what neighborhood you live in, and what your driving patterns are. You can often save money if you have a clean driving record or want to bundle insurance policies.
This information is intended for general informational purposes only and is not intended to constitute legal advice.