Auto Insurance

Like most other states, Connecticut requires you to have at least the minimum liability insurance if you drive a vehicle regardless of whether your car is an economy car or a luxury automobile. Most people rely on their vehicles so that they can get to where they need to go, and vehicle accidents are always a risk. Having good auto insurance is important to protect you, your vehicle, and other people who are around you on the roadways. The Lyman Agency, LLC can help you to find the protection that you need for your automobile.

What Car Insurance Is and Why You Need It

Car insurance is simply a contract between you and your insurance company. In exchange for your payment of premiums, the insurance company agrees to pay for certain types of damage and bodily injury that can occur. In Connecticut, you must have auto insurance if you drive. The state requires that you must have liability coverage in the following minimum amounts:

  • $25,000 bodily injury coverage per person per accident;
  • $50,000 bodily injury coverage for two or more people; and
  • $25,000 property damage per accident.

If you have an accident without insurance, you could lose your license or possibly end up in jail.

What Does Car Insurance Cover?

What your car insurance will cover will depend on your policy. There are three primary types of auto insurance coverage, including liability, comprehensive, and collision. Liability is the mandatory coverage that is legally required of all drivers in the state as listed above. This coverage pays for the damage that you cause to another driver’s vehicle and bodily injuries to others if you are at fault in an accident. It will not cover damage to your own car.

Comprehensive coverage covers damage that is caused to your car by things other than accidents such as fire, riots, animal accidents, and thefts. Collision coverage covers the repairs to your vehicle if you are involved in an accident with another vehicle or with an object such as a light pole.

You can also get more extensive coverage, including the following:

  • Underinsured/uninsured motorists coverage if you are in an accident that was caused by an uninsured or underinsured driver
  • Medical payments coverage
  • Rental car
  • Roadside assistance

What Types of Coverage Do You Need?

The types of coverage that you need will depend on several factors. For example, if it would be cheaper to replace your vehicle than to repair it, liability may be sufficient. However, if you must have your vehicle to get to your job or drive a vehicle for which you are making payments, you will likely need more coverage than the liability protection.

How Much Does Insurance Cost?

The cost of your auto insurance will depend on multiple factors, including the type of vehicle that you have, your driving record, your age, and others. When you grow older, your rates will fall. Your cost will also depend on how much coverage you choose. When you purchase insurance, the family members who live with you and share the vehicle are also explicitly covered. If their records are poor, your costs can increase.

Car Insurance Discounts

There are ways for you to benefit from car insurance discounts, including the following:

  • Bundling several types of insurance
  • Multi-car policies
  • Discounts for safety features
  • Accident-free
  • Good student discounts
  • Loyalty discounts
  • Age

Choose the Lyman Agency

The Lyman Agency is a full-service Connecticut insurance agency that specializes in helping people to choose the right coverage for their needs. To obtain your free car insurance quote, contact us today.

Personal Umbrella Policy

As you accumulate assets and your net worth grows, this is the time to seriously consider a Personal Umbrella Policy. An Umbrella Policy is liability coverage in increments of a million dollars that is in addition to your liability coverages on your underlying policies, of homeowners, Personal Auto, boat and motorcycle.

We will be happy to review your insurance needs and together we will determine what is best for you.

Contact Us Today!

Be Sure With Lyman Insure

At Lyman, we understand that your business is unique. You want an insurance agency that is familiar with the business to ensure you have the complete coverage you need.

Lyman Insure™ has the experience that business owners need to protect all aspects of their business. At The Lyman Agency, LLC., we recognize that it is the relationships we establish with our clients that set us apart. Please contact us for a free quote or insurance evaluation. You can be sure with Lyman Insure.

Protection for you and your family for Life:

You work hard to make sure your loved ones have a comfortable life. How would they fare financially if you weren’t there to provide for them? Without your income to support them, could your family pay bills, make mortgage payments, cover debts or fund a college education? Life insurance is one of the best ways to protect the people you love.

Get Your Free Quote

Get the coverage you need for your Home, Business, Farm, Life and more. Let us complete a full policy review and prepare a quote for you Today!

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