Category: Auto Insurance

Driving on the roads can be intimidating, especially for novice drivers. At Trahan Insurance Agency LLC, serving the greater Griswold, CT area, we firmly believe that signing up for a defensive driving course can significantly transform you and your adolescent driver. Let’s investigate the potential benefits.

Instilling Confidence and Enhancing Skills

Completing a defensive driving course can boost teenagers’ confidence significantly. These classes impart crucial skills such as hazard identification and accident evasion strategies. Learning to handle unexpected road scenarios infuses them with the confidence to be safer and more proficient drivers.

Reducing Insurance Expenses

A noteworthy incentive for completing a defensive driving course is the prospect of insurance discounts. Numerous insurance providers offer reduced premiums for individuals who have taken these classes. At Trahan Insurance Agency LLC, we can help you maximize these savings for your family budget.

Revitalizing Your Driving Skills

The advantages of these classes extend beyond teens. Parents can also refresh their driving skills and learn contemporary techniques. Keeping abreast with the latest in road safety enables you to set an exemplary standard for your young driver. Plus, it presents a fantastic chance to bond and share experiences with your teenager.

Promoting Road Safety

Ultimately, the purpose is to make our roads safer for everyone. Defensive driving courses promote co-responsibility and sensible driving habits, which can lead to fewer accidents and a safer community.

Are you ready to take the next step? Contact Trahan Insurance Agency LLC, which steadfastly provides auto insurance policies to residents in and around Griswold, CT, to learn more about how a defensive driving course can benefit your family and potentially lower your insurance premiums. We’re here to accompany you on your journey towards safer driving.

Navigating the world of car insurance can often feel like a complex task, but we’re here to guide you! We’re thrilled to introduce you to usage-based insurance (UBI) at Trahan Insurance Agency LLC in Griswold, CT. This modern insurance approach tailors your premiums to your driving habits. Here’s a quick breakdown of what UBI is and how it might benefit you.

What is Usage-Based Insurance?

Usage-based insurance, or UBI, is a type of car insurance in which your premium is influenced by your individual driving behaviors. Your driving patterns are tracked using telematics devices or smartphone apps that monitor factors like speed, braking, and mileage. This data is used to adjust your insurance costs, rewarding safe and low-mileage drivers with lowered premiums.

How Does UBI Work?

Once you sign up for UBI, a small device is installed in your car, or you download a mobile app. These tools monitor your driving patterns, and the data is then sent to your insurance provider. Frequently tracked factors include the distance you drive, the time of day you usually drive, and your overall driving style.

The Benefits of UBI

One significant advantage of UBI is the potential for considerable savings. If you’re a cautious driver or don’t drive long distances frequently, UBI could result in lower premiums. Moreover, it encourages safer driving habits since you’re made aware of how your behavior influences your insurance costs. This consciousness can lead to fewer accidents and make the roads safer for everyone.

To learn more about how usage-based insurance can benefit you, reach out to Trahan Insurance Agency LLC in Griswold, CT, today. Our team will help you find the perfect insurance plan to match your driving habits.

One of the most common questions we get at Trahan Insurance Agency LLC, serving Griswold, CT, and surrounding communities, is, "How much liability coverage on my car is enough?"

If you insure your car in Connecticut, your policy will provide at least the state minimums for liability:

• Your policy will cover bodily injury and lost wages for each person at least $25,000.
• Your policy will provide coverage for bodily injury and lost wages for each accident of at least $50,000.
• You’ll be covered for property damage coverage no less than $25,000.
• You will also be covered if the other driver is not insured, $25,000 toward medical bills, lost wages for each person, and $50,000 for each accident.

The problem with minimum liability coverage for your car is that it can be totally inadequate if you are at fault in a serious car crash.

Unlike Massachusetts and New York, Connecticut is an at-fault state. Drivers are not required to carry Personal Injury Protection (PIP) coverage to cover their losses in an accident.

If you are at fault in a car crash in Connecticut, the other party can seek damages from you in court. The other driver can sue you for all their medical bills, all their lost wages, lost future income, damage to their car, pain, and suffering. That’s when you need an insurance company on your side.

Trahan Insurance Agency LLC, serving Griswold, CT, and surrounding cities, can help you find the right insurer with the right liability limits. Most Connecticut auto insurance customers need far more than the state minimum coverage to protect their assets from legal action.

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.