Home & Auto
Auto Insurance
Whether your premium went up, you bought a new vehicle or you simply want to understand what you are paying for, Mike can walk you through your auto coverage in plain English.
What it can include
The main parts of an auto policy
Most auto policies are built from a handful of coverages. Here is what each one does, in plain terms.
Choose any part and the quote form opens with it already noted.
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Bodily Injury Liability
Helps pay for other people’s injuries when you are found responsible for an accident.
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Property Damage Liability
Helps pay for damage you cause to someone else’s vehicle or property.
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Collision Coverage
Helps pay to repair your own vehicle after it hits another car or an object, after your deductible.
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Comprehensive Coverage
Helps pay for damage from events other than a collision, such as theft, fire, hail or hitting an animal, after your deductible.
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Uninsured and Underinsured Motorist
Helps protect you and your passengers if the other driver has no insurance or not enough. Rules vary by state.
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Why it matters
Understand what you are actually paying for
Liability limits, deductibles and optional coverages all change what a policy does for you after an accident. When premiums rise or something in your life changes, it helps to look at those choices again. Mike reviews them with you so you can decide what fits your needs and budget, without pressure.
The goal is coverage that fits your needs and your budget, explained in plain English.
Pricing
What can affect an auto premium
The vehicle
The make, model, age and safety features of the car can all play a part.
Driving history
Accidents, claims and violations on a driving record can affect the price.
Who drives
The drivers listed on the policy and their experience are part of the picture.
Coverage choices
The limits, deductibles and optional coverages you choose change the premium.
How the car is used
Where the vehicle is kept and how much it is driven can matter too.
Answers
Auto insurance questions
Plain-English answers to common questions. If yours is not here, call Mike or book a free consultation.
Not always. The price depends on the limits, deductibles and options you choose, and each insurance company prices them differently. Comparing a few choices side by side is the easiest way to see the difference.
Uninsured and underinsured motorist coverage can help protect you and your passengers if the at-fault driver has no insurance or too little. What it covers, and whether it is required, depends on your state.
It is a good time to. A different vehicle can change which coverage makes sense, and it is a natural moment to look at your limits and deductibles again.
Get A Quote
A few details, and you are ready to talk it through
Choose what you would like a quote for, then add your name, a phone number and an email address. Those three details are all the form requires.
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Next step
One conversation can make your coverage easier to understand
Start with a quote request, or call Mike’s Connecticut office if you would rather talk it through first.