Auto rates in Connecticut shift faster than any other line we write. The carrier that was cheapest two years ago for your zip code — whether you're in New Haven or out on the eastern shoreline — may not be the cheapest today. Our job is to re-shop for you, every renewal, and tell you when to switch — not to keep you on the same carrier out of inertia.
Connecticut requires every driver to carry minimum liability of 25/50/25 — $25K bodily injury per person, $50K per accident, $25K property damage. These limits are not enough for a real accident. We typically recommend 100/300/100 minimum, with most clients going 250/500/100 or higher. The marginal premium for higher limits is small.
Connecticut also requires uninsured/underinsured motorist coverage at the same limits as your liability, unless you reject in writing. We don't recommend rejecting it.
Paying too much on auto out of inertia? We'll shop the market and tell you — free.
Get an auto quote →This is the conversation where the difference between carriers gets dramatic. Some carriers double the premium when a 16-year-old goes on the policy. Others ratchet less aggressively, especially with a good-student discount. We'll re-shop the household when the teen is added, every time. Often we'll find a better deal than your current carrier offers.
Bundling auto and home with the same carrier typically saves 10–20% on each. We look at this every time. Sometimes the bundled discount makes a more expensive carrier the cheapest overall.
If you use your truck for work — landscaping, contracting, charter operations — your personal auto policy may not cover business use. We separate personal and commercial auto when needed. This matters if you have an accident on the job; a denied claim because of business use exclusion is one of the worst calls a tradesperson can get.
One quick conversation. We'll quote across the market and tell you straight whether your current carrier is still the right one.
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