Collision and comprehensive coverage are two common yet key components of auto insurance that many motorists incorporate in their policies. Each offers protection against damage to your vehicle, albeit in differing situations.

Collision Coverage: Your Guard Against Unexpected Incidents

Offering protection against damages to your vehicle from an accident, collision insurance covers scenarios involving another vehicle or a stationary object. Be it rear-ending a suddenly stopping car, a head-on collision, a fender-bender in a parking lot, or colliding with a tree, parking lot lamp post, guard rail, or even your house’s garage door, collision coverage likely steps in. In the event of a covered accident, this coverage typically pays for repairing your vehicle up to its value minus your deductible. At Trahan Insurance Agency LLC, we consider this coverage essential and recommend it for many drivers in Criswold, CT.

Comprehensive Coverage: Protecting Beyond the Drive

Designed to safeguard your vehicle from non-collision incidents, comprehensive coverage covers a wide spectrum of scenarios, including theft, vandalism, natural disasters, and even encounters with deer on the roadway. While hitting stationary items often falls under collision, comprehensive coverage might come into play when hitting a moving object like an animal. Moreover, it likely covers a tree falling on and damaging your parked vehicle. Like with collision, comprehensive coverage usually pays for repairs up to the vehicle’s worth after considering the deductible. For Criswold, CT residents, acquiring full glass coverage usually allows the removal of the deductible for claims involving windshields and window damage.

Securing Your Vehicle with the Right Insurance

Striking the right balance of auto insurance coverage tailored to your requirements is crucial. At Trahan Insurance Agency LLC, we’re here to help you secure an auto insurance policy that includes both collision and comprehensive coverage and any other coverage you may need.

Drivers will always have the concern of other drivers. From impaired to distracted drivers and simply bad drivers, we have to share the road with many other drivers. And when we encounter an accident, even when no one else is involved, drivers in and around Griswold, GT rely on adequate and reliable insurance from companies like the Trahan Insurance Agency LLC.

Auto Insurance because the Road is a Dangerous Place

Turn on your local news, and every day, it seems there are reports of accidents on the roadways. From fender benders to road closure-level accidents, it is no secret that the road is a dangerous place. That doesn’t mean that everyone should stop driving (although for some, that may not be a bad idea), but it does mean we shouldn’t hit the road without the extra protection insurance provides.

Auto Insurance for Everything Your Blind Spots Don’t See

The truth is, that even the best and most cautious drivers have accidents. It is also true that nobody wants to need insurance, but everyone is happy to have it when they do. When drivers from Griswold, CT need professional and experienced auto insurance, they turn to the team at the Trahan Insurance Agency LLC.

If you are in the market for insurance, have questions about coverage, or are shopping rates, our helpful and professional team at the Trahan Insurance Agency is here to answer all your questions and all your insurance needs. Contact us to learn more about how we can help and get the auto insurance solutions you need today. 

Driving is how we all get to and fro today, but that also makes the road a sometimes treacherous place. And that makes auto insurance your first line of defense when accidents happen, and the protection and peace of mind drivers need before they get behind the wheel.

At Trahan Insurance Agency LLC, we offer auto insurance coverage to motorists in Griswold, CT. When you’re in the market for insurance coverage, it’s important for you to be well-informed. Unfortunately, there are many misconceptions consumers frequently have about auto insurance.

Here are four common misconceptions about auto insurance to be aware of:

An auto insurance policy covers the policyholder for breakdowns that occur because of mechanical problems.

Auto insurance coverage is essential because it protects motorists against liability expenses and can include collision coverage that pays for repairs after an accident.

However, it’s important for motorists to realize that auto insurance won’t cover mechanical repair needs. 

The color of your vehicle impacts how much your insurance costs.

There is a long-held belief that red cars are more expensive to insure than cars of other colors. The truth is that the color of your vehicle has no impact on your insurance coverage and costs whatsoever. 

Your auto insurance policy will cover you for customizations.

Your auto insurance covers you for the value of your vehicle at the time that you bought your auto insurance policy.

If your vehicle’s value has increased because you’ve invested in customization, your policy won’t cover you for any resulting increase in vehicle value until you update your policy. That’s why it’s always important to let your insurance provider know when you’ve had your vehicle altered or customized in some way. 

It’s not worthwhile to buy collision and comprehensive coverage for an older vehicle.

Some people assume that they should drop collision and comprehensive coverage once their vehicle starts to get old. Yet collision and comprehensive coverage can be valuable even on older vehicles since they can cover repair costs and thereby allow you to keep using your older vehicle longer. 

Reach Out To Us

Get in touch with us today at Trahan Insurance Agency LLC for information on your insurance options in Griswold, CT. We’ll provide you with a quote on an insurance policy that will give you peace of mind when you’re behind the wheel. 

Basic auto insurance is what you get to meet the minimum state requirements. There are lots of other options for you to consider adding on to make your auto insurance meet your particular needs. At Trahan Insurance Agency LLC in Griswold, CT, we will work with you to make sure you have all the coverage you need. 

The required coverage in Connecticut is liability of 25/50/25 and uninsured/underinsured motorist of 25/50. The liability is $25,000 for the first person injured with a total of $50,000 and $25,000 for property damage. The uninsured/underinsured is also for one person and all people coverage. 

Auto Insurance Add-ons

Collision

Collision coverage repairs or replaces your vehicle if you are involved in an accident and are the responsible driver. It will also cover you if you are the victim of a hit-and-run or are in a one-person accident. 

Comprehensive

Comprehensive coverage is known as non-collision, however, it does cover collision with a tree branch if it is blown onto your vehicle. It also covers damage due to hail and flooding. If your vehicle is stolen or vandalized, this is the coverage that will help to repair or replace it. It also covers the glass on your vehicle but with a deductible. 

Gap coverage

Gap coverage is the insurance that makes up the gap between what the value of your car is and what you owe on your car loan. Cars depreciate as soon as they leave the dealer lot, so it can save you from ending up in the red. 

Total glass

With total glass coverage, your car glass can be replaced without any deductible. 

Consult With Us

At Trahan Insurance Agency LLC we provide service for customers in Griswold, CT and the surrounding area. As independent agents, we can offer more choices and the best possible prices.

In every US state, drivers must carry auto insurance. Instead of setting the requirement for auto insurance at the national level, in the US, each state sets its own auto insurance requirements. The state of Connecticut requires drivers to carry auto insurance that provides liability coverage for physical damage to the vehicle and physical or mental injury to the person traveling in the vehicle.

Connecticut Motor Vehicle Insurance Requirements

The liability coverage that the state requires – 25/50/25 – only provides coverage that protects the other drivers on the road. The bodily injury coverage provides $25,000 of coverage per person per accident, while the $50,000 figure refers to the total amount of bodily injury coverage for all individuals per accident. The third figure represents the $25,000 of personal property coverage required by the state.

The state lets you increase your auto coverage beyond those required minimums, but you cannot legally drive on its roads without meeting those minimums. It’s a good idea to carry more than the required liability insurance since many auto accidents can quickly cause you to exceed your coverage. When that happens, you pay out of pocket for the remaining bills or court settlement.

Enhancing Your Auto Insurance Coverage

You don’t have to accept only a minimum amount of coverage for your vehicle parked in Griswold, CT. Trahan Insurance Agency LLC offers many ways to improve the coverage you purchase, such as comprehensive and collision, which are not legally mandated. Both collision and comprehensive coverage pay for repairs to your automobile, whether they occur in a single-vehicle accident or a multiple-vehicle accident that you or another individual caused.

Contact Us Today

Contact Trahan Insurance Agency LLC today for automobile insurance to cover your vehicle parked in Griswold, CT. Let us help you obtain the vehicle coverage you need to protect your financial security.