Shopping around for cheap car insurance in CT can seem overwhelming when faced with the different types of coverage. You may be familiar with the terms “liability” and “full coverage,” but may have no idea what they mean.
If you cause an accident, liability coverage compensates the other parties involved. Most states require drivers to carry liability. This is a sound law because if you are responsible for an accident and lack insurance, you could end up burdened with bills that add up to hundreds or thousands of dollars.
Collision and comprehensive cover your vehicle in the event of an accident or if another party causes damage to your vehicle through acts such as keying or vandalizing it. They are optional if you own your car, but they are a wise investment.
Full coverage is the combination of both liability and comprehensive – protecting you whether you are at fault for an accident or not, and if your car sustains damage from other types of incidents. While full coverage costs a bit more than single coverage, it could save you thousands of dollars in the long run. In this way, it is the golden standard of insurance.
In simple terms, liability coverage is more cost effective upfront, while full coverage offers a higher level of protection. Ultimately, choosing cheap car insurance in CT is a personal decision and one you should discuss with an agent.