Connecticut Auto Insurance Quotes

Shopping around for the best Connecticut auto insurance policy can be frustrating, but you've come to the right place for the most comprehensive quotes and information. Because Connecticut's auto insurance requirements differ from many states, it's important to familiarize yourself with the requirements so that you can be sure to purchase the coverage you need to remain in compliance with Connecticut's financial responsibility laws. This information can help you understand what is required in the state of Connecticut and what types of coverage are optional.

Connecticut Liability Coverage Requirements

In Connecticut, motorists are required to maintain liability insurance for all vehicles that are registered.  This coverage applies to bodily injuries and property damage and can help to ensure that these expenses are paid in the event of an accident.  For bodily injuries for one person in one accident, the minimum coverage required by law is $20,000.  For all bodily injuries in one accident, the required coverage amount is $40,000.  The minimum coverage required for property damage is $10,000.  Connecticut drivers can enhance their coverage with the purchase of comprehensive coverage, collision coverage, or additional coverage for medical expenses and property damage.

Connecticut Uninsured Motorist Coverage

Connecticut is one of twenty-two states that require drivers to purchase uninsured motorist coverage as a part of their auto insurance policies.  This coverage can help to ensure that your medical expenses are paid in the event that you get into an accident with a driver who does not have the auto insurance required under Colorado's insurance laws.  Because this coverage is required by law, motorists cannot opt out of having it added to their auto insurance policies.

Compliance with Connecticut Auto Insurance Laws

All drivers are required to maintain continuous insurance coverage on all vehicles registered in Connecticut.  Insurance companies routinely report non-renewals or cancellations of policies to the Department of Motor Vehicles, and you will receive a warning letter if your insurance company reports a lapse in coverage to the DMV.  If you have had a lapse in coverage, you are given the opportunity to enter into an Insurance Compliance Consent Agreement.  This agreement requires you to obtain insurance and pay an insurance compliance fine of $200.  If you enter into this agreement, no further penalties will be imposed for your lapse in insurance as long as you remain in compliance.

If your insurance company reported incorrect information to the DMV, you may need to take steps to correct the information so that you do not have to pay a compliance fine.  If you have switched insurance companies, you can send a copy of your insurance card to the Department of Motor Vehicles to prove that you had coverage during the period specific in your warning letter.  If you have purchased a new vehicle, you must provide a copy of your new registration.  If you sold your vehicle, you must cancel your registration.  To do this, you must provide the DMV with a copy of a bill of sale or junk receipt.  Once this information has been received by the DMV, your case will be closed.