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Griswold, CT 06351

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Auto Insurance for Everything Your Blind Spots Don’t See

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.

Getting your Connecticut home ready for winter

Winters can be quite cold and snowy in Connecticut. Preparing your home to face these weather conditions is important to your home’s safety. At Trahan Insurance Agency LLC in Griswold, CT, we have a team with almost 70 years of insurance experience, and as an independent insurance agency, we are able to better serve our customers with more choices and the best rates. 

Getting your Connecticut home ready for winter

Clear the leaves

Connecticut is a state with a lot of trees. We have wonderful foliage in the fall, but that leads to yards, driveways, sidewalks, and gutters filled with leaves. They are not nearly as attractive off the trees as on. Gutters need to be kept clear to avoid causing damage to the roof. On the sidewalk and driveway, leaves are a slip-and-fall hazard, especially if they get wet, which in Connecticut is inevitable. 

Tune up the snow blower

Making sure that your snowblower is operational is important. Depending on what type of snow blower you have, the tune-up will involve different things. Make sure that it starts up at the very least. 

Get the furnace cleaned

Having a clean furnace is proactive and can help to make sure that when it gets cold out, you will have the heat you need. While you are at it, get the chimney cleaned as well. 

Get some sand and salt

Having sand and salt on hand to treat the walkways and driveways helps to protect you, your family, and anyone who visits. 

Check batteries

Check the battery backup in your smoke detectors and your carbon monoxide detectors. Every year people die from carbon monoxide poisoning, which is a preventable hazard. 

Consult With Us

When you are ready to change insurance agents or your carrier or are just looking for personalized service, we are here for you at Trahan Insurance Agency LLC in Griswold, CT.

Four common misconceptions about auto insurance

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. 

When would it be a good idea to shop for home insurance?

Being appropriately covered with insurance is a necessity. A very important form of insurance all people in the Griswold, CT area need to consider getting is home insurance. With the right coverage, you can protect your dwelling and mitigate your personal liability risks. There are various scenarios when it can make sense to start shopping for a new home insurance plan. 

When Buying a New Home

A great time to start looking for a new home insurance policy is when you are going to buy a new home. Your home is a very valuable asset and investment and ensuring you have the right insurance is extremely important. When you take out a  mortgage, your lender will also need to know that you have coverage. Because of this, you should start looking for home insurance as you go through the home-buying and closing process.

When Looking for Other Options

Even if you already have a home insurance plan today, it does not mean you shouldn’t look for another policy. There are various options when it comes to selecting a new home insurance plan. Accordingly, it would be a good idea to shop around on occasion and see what options you have. Not only could you save some money, but you may also receive additional coverage through a new plan. 

We Are Here To Help

There is never a bad time to assess your home insurance needs. Whether you are looking to buy a new home or would like to evaluate your options in the Griswold, CT area, you should call our team with Trahan Insurance Agency LLC. When you work with our team at Trahan Insurance Agency LLC, you can get all of the help necessary to build a proper plan that will meet your needs. 

Auto insurance add-ons to consider

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.

Is it Time to Update Your Home Insurance Policy?

Homeowners in Griswold, CT and the surrounding area rely on the team at Trahan Insurance Agency LLC for all of their homeowners’ policies. If you’re wondering if it’s time for you to upgrade your policy, we’re here to help. Give us a call or come by our office today.

Signs It’s Time to Upgrade Your Home Policy

If you’ve owned your home for quite some time, and you’re like most people, you probably just renew your home policy year after year without looking at it too closely. This behavior, while understandable, can lead you to a situation where your policy no longer meets your insurance needs.

One of the main changes that could require an upgrade to your policy is an increase in your home’s value. As your home appreciates in value, your insurance needs also increase. You’ll want to make sure that you have adequate protection for your home at today’s value, not the value at the time of purchase.

Another sign that you need to upgrade your policy is that you’ve completed one or more major improvement projects. If you’ve added a garage to your property or have fully renovated your kitchen, it’s time to give your current home policy a closer look. This proactive approach will help prevent you from a situation where you experience a covered event, but the level of coverage you have is inadequate.

We’re to help with all of your insurance needs!

Residents of Griswold, CT can turn to the friendly folks at Trahan Insurance Agency LLC for all of their insurance needs. Whether you have questions about your home policy or another type of insurance, we’re here for you. Give us a call or stop by today. We look forward to seeing you soon!

What auto insurance does Connecticut legally require?

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.

What should property owners think about when getting home insurance in Connecticut?

Owning a home has continued to be a good investment for people throughout the state of Connecticut. Anyone who is living in the Griswold, CT area will want to know that they have obtained proper insurance for their home. As you are looking to purchase a home, there are various factors to think about as you are selecting a new home insurance policy. 

Requirements

One factor to think about when you are looking for a home insurance policy in this area is if you have any requirements. It is very common for property owners to have basic home insurance requirements. If you are living in a home association or have taken out a mortgage, you undoubtedly will have home insurance requirements. It is very important to ensure you are meeting these requirements so you can stay in good standing with such agreements, which can avoid penalization. 

Coverage Levels

You should also consider your coverage level. It is important to consider the costs that it will take to rebuild your dwelling, cover your personal assets, and offset your personal liability risks. When you are shopping for a new home insurance plan, you need to take these factors into consideration and ensure you have the appropriate level of coverage. This can ensure you have support and provide you with peace of mind. 

Reach Out To Us

Choosing the right home insurance plan is always a good idea for those that are in the Griswold, CT area. As you are looking to build a new insurance policy in this area, it would be ideal to call our team with Trahan Insurance Agency LLC. Our insurance team with Trahan Insurance Agency LLC can ensure you are able to understand your options and select a policy that is ideal for your situation. 

What coverage comes with auto insurance in Connecticut?

For people living in the Griswold, CT area, having a car insurance plan in place at all times is very important. This type of insurance tends to be required for anyone that owns a car. You will need it to drive legally, and most auto lenders require you to maintain full coverage.

There are various types of insurance coverage that can come with an auto plan in this part of Connecticut:

Liability Insurance

A form of coverage that all people in this state need to have for their car is liability insurance. When you have this type of coverage, it will provide support in the event you are liable for an accident. This will ensure you have the financial resources needed to pay for damages.  It can also keep you in good standing with the state law, which requires this coverage.

Comprehensive Insurance

For many car owners, it is also a good idea to get comprehensive insurance. When you have a full comprehensive plan, it will provide you with support for your vehicle in the event it is damaged or stolen. This type of coverage is required for those with auto loans and is a good idea to get if you have a car that would be expensive to replace. You should also be strategic when selecting a deductible limit. 

We Can Help

It is necessary for Griswold, CT residents to obtain appropriate auto insurance coverage. If you’re searching for the right plan, our team at Trahan Insurance Agency LLC is here to help. Our experienced professionals at Trahan Insurance Agency LLC understand the significance of having adequate auto insurance and will guide you through the process of developing a policy that meets your unique needs. Contact us to learn more about how we can help you build your next plan. 

How To Protect Your Home From Pests This Summer

There’s a lot that goes into protecting your home. Some threats to your home can’t be detected by a security system. Each year homeowners face expensive damage caused by pests. These pest threats are most significant during the spring and summer. You need to be aware of how to protect your home from these threats. Here at Trahan Insurance Agency LLC, serving the greater Griswold, CT region, and the surrounding areas, we want to help you protect your home.

These are some ways to protect your home from pests this summer:

Get An Inspection 

If you haven’t had your home inspected by a professional pest control specialist in a while, you should consider doing this. These professionals can uncover pest infestations early on. Early intervention can help you avoid some of the expensive damage that can be caused by pests. 

Keep Lawns Well Maintained 

Many pest problems are really a result of poor maintenance in some other aspects of the home, such as the lawn. Allowing grass or underbrush to get overgrown will encourage the colonization of certain types of pests such as ants and termites. 

Keep Your Home Clean 

Other pests are often attracted to accumulated trash or clutter. For instance, cock roaches are often attracted to cardboard boxes and paper. When items such as these are allowed to accumulate, it can result in pest issues. 

Keep Standing Water At a Minimum 

Standing water will attract many different types of harmful insects, including mosquitos. Mosquitos will not necessarily cause damage to your home, but they can be harmful to people and pets on your property. 

Reach Out To Us

If you would like to learn more about protecting your home and insurance services, please contact us at Trahan Insurance Agency LLC, serving Griswold, CT and the surrounding areas.