Connecticut requires liability coverage — but that only protects the other driver. We'll make sure your policy protects you, your car, and everyone who rides with you.
Many drivers have no idea what their auto policy actually covers until they file a claim. By then, it's too late to fix it. Ken reviews your policy to make sure coverage limits, deductibles, and exclusions make sense for your real situation — not just whatever the algorithm defaulted to.
Understanding the difference between coverage types is how you avoid surprises at claim time.
| Coverage Type | What It Covers | Status in CT |
|---|---|---|
| Bodily Injury Liability | Pays for injuries you cause to others in an at-fault accident. Covers medical bills, lost wages, legal defense if you're sued. | Required |
| Property Damage Liability | Pays to repair or replace vehicles or property you damage in an at-fault accident. | Required |
| Uninsured Motorist | Protects you when the at-fault driver has no insurance. Covers your medical bills and vehicle damage. | Strongly Recommended |
| Collision | Pays to repair or replace your car after a collision — regardless of fault. Subject to your deductible. | Optional |
| Comprehensive | Covers non-collision damage: theft, vandalism, weather, fire, hitting an animal. Subject to your deductible. | Optional |
| Medical Payments (MedPay) | Pays your medical bills after an accident, regardless of who was at fault. Works alongside health insurance. | Optional |
| Rental Reimbursement | Pays for a rental car while yours is being repaired after a covered claim. | Optional |
| Roadside Assistance | Covers towing, battery jump, flat tire, lockout service. Low cost, high utility. | Optional |
Multi-vehicle discounts and bundling with home insurance often saves families hundreds per year. We build a policy that covers every driver in your household.
Teen drivers spike premiums significantly. We find good student discounts, telematics programs, and carrier-specific strategies to manage costs without cutting coverage.
Classic cars, motorcycles, RVs, and daily drivers all have different coverage needs. We handle all of them under one roof.
If you use a personal vehicle for work — deliveries, client visits, sales routes — your personal auto policy may not cover it. We'll identify the gap and fix it.
Combining auto with home or renters insurance typically unlocks 10–25% in premium savings. We'll always show you the bundle price.
Already have auto insurance but not sure you're getting the best deal? We do a free coverage review, compare across 20+ carriers, and handle the switch start to finish.
Prefer to talk first? Book a 15-minute call on Ken's calendar — no waiting, no back-and-forth.
📅 Book a Call with Ken →A free quote comparison across 20+ carriers — and an honest review of what you have now.