Auto Insurance in Stamford, CT
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Auto Insurance for Drivers in Stamford, CT
In recent years, the population of Stamford, CT has surpassed that of Hartford and New Haven, making Stamford the second most populous city in Fairfield County and the state of Connecticut. Increased traffic on Interstate 95, the Merritt Parkway and State Routes 1, 137, 104 and 106 makes auto policies that include sufficient coverage for liability, collision, and comprehensive benefits even more important. VIU by HUB can help residents find the right auto insurance in Stamford.
Connecticut Minimum Liability Requirements
Car insurance policies for residents of Connecticut must meet state requirements. Minimum liability limits are enforced for bodily injuries caused to one or more other people and property damage caused by a policyholder during a collision. Here are the lowest liability limits that are legal in Connecticut and tips for getting the right level of coverage for the way you drive:
- Bodily injury per person: Connecticut state government requires that every driver have a limit of at least $25,000 for injuries caused to one person during a collision. Many motorists in Connecticut prefer car insurance policies that include higher bodily injury limits.
- Bodily injury per accident: Drivers in Stamford and elsewhere in Connecticut must have auto insurance with a limit of at least $50,000 for bodily injuries to two people or more during an accident. Higher limits are helpful should you get in a multi-car collision.
- Damage caused to property: At least $25,000 in liability coverage for damage that a driver causes to property during a collision is also required by the state. Additional property damage liability coverage is also an option.
Options for Complete Coverage
Auto insurance in Stamford should satisfy all the minimum liability limits for lawfully operating a motor vehicle in the state of Connecticut. A VIU by HUB broker can recommend policies that meet or exceed mandated liability coverage and include coverage in other areas. Here are a few popular policy types and choices for additional endorsements, riders, and supplemental policies:
- Actual cash value: Car insurance that covers the actual cash value of a vehicle factors in depreciation. Lower premiums make ACV policies more affordable, but an insurer may not cover the full cost of replacing a totaled vehicle.
- Replacement value: A replacement value policy covers the full cost of replacing a vehicle. This type of policy typically has higher premiums than ACV coverage.
- Agreed value: Classic or upgraded vehicles can be covered for an agreed amount under policies that waive co-insurance clauses. An appraisal and submission of proof of value is necessary for a policyholder and insurer to set a value for a vehicle.
- Electronic equipment: Electronics in a vehicle such as audio equipment or visual displays are often excluded from standard auto policies. Electronic equipment coverage can pay out if equipment gets damaged or stolen.
- Full glass: Full glass coverage allows policyholders to replace broken auto safety glass without meeting a deductible. Ask a VIU by HUB broker about adding this option to any policy.
Connecticut formerly required drivers to carry medical payments coverage. Though this coverage is no longer a requirement, many drivers add coverage in this and other areas to auto insurance in Stamford. A VIU by HUB broker can help you decide on the best type of auto policy for your vehicle and driving lifestyle and select options that could reduce out-of-pocket costs associated with your vehicle, from replacing electronic equipment and glass to covering roadside assistance, towing and labor.
This information is intended for general informational purposes only and is not intended to constitute legal advice.