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Connecticut Auto Insurance Coverage and Policy Options

Get the coverage you need at the right price

Selecting the right insurance coverages for your needs is one of the most important parts of buying car insurance. And because not all insurance policies are the same, you’ll need to be sure your policy satisfies minimum levels of auto insurance coverage in Connecticut while including any additional types of coverage to give you the level of protection you want.

Whether you’ve just moved, are buying your first policy or are simply switching from another carrier to Plymouth Rock Assurance, there are several insurance requirements that you’ll want to note. Plymouth Rock also offers optional coverages that you’ll likely want to consider to make sure you have the right level of protection.

Don’t worry – we make selecting coverage and policy options and understanding discounts easy for customers. And we’re here to help, along with your independent agent, if you have a question or want more information.

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In order to calculate an accurate premium and make insurance eligibility decisions we obtain different types of public records and geographic data from independent third-party data providers. Such data includes, but is not limited to, information regarding year built, square footage, building material, number of stories, age of roof, and assessed value and will be displayed for the applicant to review and either confirm or correct any inaccuracies.

By clicking the "Agree & Get Quote" button below, I am agreeing to receive calls and/or emails from Plymouth Rock and its agents to market insurance products at the contact information I provide. I understand that my agreement to receive these calls and/or emails is not required to purchase any goods or services.

First Name Required
Last Name Required
Invalid address. Ex: 123 Main St, York, PA 17403
Date of Birth Required You must be at least 18 years old to purchase insurance. Please enter a valid date of birth (mm/dd/yyyy)

I have read and agree to the Terms and Conditions & Privacy Policy and I Consent to Conduct Business Electronically.

In order to calculate an accurate premium and make insurance eligibility decisions we obtain different types of public records and geographic data from independent third-party data providers. Such data includes, but is not limited to, information regarding year built, square footage, building material, number of stories, age of roof, and assessed value and will be displayed for the applicant to review and either confirm or correct any inaccuracies.

By clicking the "Agree & Get Quote" button below, I am agreeing to receive calls and/or emails from Plymouth Rock and its agents to market insurance products at the contact information I provide. I understand that my agreement to receive these calls and/or emails is not required to purchase any goods or services.

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Compulsory Coverage

Compulsory insurance is the minimum amount of coverage required by state law. These three compulsory coverages are:

Bodily Injury Liability protects you, your household members and others operating your car with permission against legal liability for the accidental injury or death of others.

Uninsured/Underinsured Motorist provides coverage for bodily injuries sustained by you, your household members and anyone operating your car with permission, in the event of an accident caused by a driver who has limited or no insurance of their own.

Property Damage Liability pays for damage to another person’s property when an accident is caused by you, a household member or another person operating your car with permission.

Optional Coverage

Accidents can often result in damage that exceeds the state required coverage limits. Depending on your individual needs, you might want to purchase increased limits on required coverages like Optional Bodily Injury to Others, Bodily Injury Caused by an Uninsured Auto, Damage to Someone Else’s Property, or consider additional types of coverages.
Here are some examples of optional car insurance coverage that Plymouth Rock offers:

Collision pays for any direct and accidental damage to your car if the accident is a collision between your car and another physical object (like another car but not an animal).

Comprehensive pays for damage to your car caused by events such as fire, theft, vandalism and impact with animals or birds; in other words, damage caused by something other than a collision.

Medical Payments pays for reasonable expenses for necessary medical and funeral services incurred by you and your members who live with you as a result of a motor vehicle accident, up to the coverage limits you select.

Substitute Transportation (sometimes also known as “Rental Reimbursement”) pays for temporary transportation expenses if you have a claim that is covered under Comprehensive or Collision coverage. Reimbursement amounts are subject to the per-day-limit and number of days limit.

Towing and Labor pays the cost of towing your car to a repair shop when it is disabled and covers up to the limits you have selected per disablement.

Auto Insurance Liability

Liability coverage is essential because it protects you as a driver in the event that you cause bodily injury or property damage to others. Bodily injury liability covers physical injuries that require medical attention and property damage liability covers property damage associated with striking other cars, buildings, fences, etc.

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Understanding auto insurance coverage and how it applies to your specific needs will certainly make your shopping and selection process much easier.
At Plymouth Rock Assurance, we understand that you most likely will never need to know how Bodily Injury differs from Collision, except when purchasing an auto insurance policy.

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Related Products

This is just a brief summary of these coverages. Additional terms and exclusions apply. Actual coverage is subject to the language of the policy as issued. Please refer to your policy for more information or contact a local independent Plymouth Rock agent.