byAlma Abell

Maybe you have an old beat up clunker or you just purchased the car of your dreams. Regardless if you have two, four, or eighteen wheels you need to protect yourself, others, and your investment. Automobile insurance companies are constantly competing for your business therefore you should look for these three things when shopping for the best car insurance in Cromwell, CT.

You may be enticed by the idea of minimum coverage or a larger deductible which means a lower premium. Though you may be saving money at the moment, consider the out-of-pocket expense you will incur if you are involved in an accident. You should research your state’s minimum but in the long-term you may end up spending more for repairs. If you can swing it in your budget consider purchasing more than the minimum. It could actually save you money in the long run.

Every state has to put into place either a tort or no-fault system. Depending on your location will determine what kind of insurance policy is available for you. A tort system offers two options, either a limited or full tort. Full tort, which is a higher premium, will allow the victims of a car accident to sue the drivers that are determined to be at fault for financial compensation and negligence. The victim can request damages for medical expenses, lost wages, material costs, and pain and suffering. Limited tort can sue but are limited to recovering medical expenses and lost wages, you cannot sue the at-fault driver for pain and suffering. Under a no-fault insurance policy your insurance company will pay you straightforwardly for any losses you sustained from injuries caused by the accident. It doesn’t matter who was at fault.

Depending on your location you might want to look into additional optional coverage with you car insurance in Cromwell, CT. Optional coverage includes comprehensive and collision. What does that mean and include? Comprehensive coverage will protect your vehicle against damages caused by fire, vandalism, broken windows, theft, floods, and severe weather. This type of coverage is less expensive than collision. Collision will cover physical damage your vehicle has sustained due to damage with another object, be it a tree or another automobile. Collision coverage is not required by law and can be rather expensive. Rental reimbursement, towing and labor, and medical payments are other optional coverage’s you can obtain. For more information see Rddk.com.