No matter where you live, if you drive, you are required to have car insurance. This will help pay for repairs should you become involved in an accident and provide financial restitution should a lawsuit follow. If you are in the market for new car insurance in Cromwell, CT, there are a few things to consider before you purchase a new policy. You can avoid a lot of the common pitfalls many people experience by making sure your new policy covers the following three items. Make sure you have the coverage you need by asking your insurance agent about the including the following information in your policy.
Comprehensive and Natural Disaster Coverage
There are times when things happen that are not your fault. When this occurs, you can use the comprehensive coverage of your insurance to pay for damages, many times with a lowered deductible amount. Don’t think you will have to pay out of pocket for items like hail damage, when you can get your vehicle repaired after a natural disaster for little to no money out of your pocket.
Collision Coverage Maximum Deductible
The deductible is the amount of money you pay for repairs after an accident. While a higher deductible may mean a lower monthly payment, you could be left in a rough financial spot after an accident if you have to pay thousands of dollars to have your car repaired. Talk to your agent about the deductible options available to you so you can afford to use your car insurance in Cromwell, CT when disaster strikes.
Bodily Injury Maximum Payout
Most insurance polices will cover the cost of medical bills for yourself and any passengers. This is known as bodily injury coverage. Ask the agent you work with about the amounts available, and choose one that you feel will most adequately cover the cost of any medical expenses you may incur after an accident. You can increase this coverage amount without dramatically affecting the cost of your policy.
Make sure your car insurance will give you the coverage you need. You can make finding affordable car insurance easy by contacting the agents at Rice, Davis, Daley and Krenz Inc.. No matter your driving record or the type of car you own, they can help you find great coverage that won’t break the bank.
