Bristol Automobile Insurance

Bristol automobile insurance protects your financial resources if you cause an auto accident that leads to injuries or property damage. In Bristol, all vehicle owners are required by law to carry automobile insurance that covers the costs of bodily injuries and property loss up to limits established by the state of Connecticut. Drivers are also required to carry uninsured/underinsured motorists insurance, which covers them against other drivers who do not have adequate coverage. [1]

Many Bristol drivers choose to carry collision and comprehensive Connecticut automobile insurance. These optional forms of insurance cover the costs of repair or replacement if an automobile is damaged by a fire or a disaster, if the car is stolen or if the vehicle is involved in a collision with another automobile. If you take out a loan to buy an automobile, comprehensive and collision insurance are generally mandatory until you've paid off the loan. Bristol automobile insurance can also cover the costs of towing, roadside repair and broken windshields or other glass components.

Liability Protection in CT

The city of Bristol has a long history in CT, dating back to the days when the community was known for manufacturing clocks and doorbells. Located near the city of Hartford, a center of the insurance industry in the US, Bristol has access to some of the top insurers in the country, so finding an agent should not be difficult. Affordable Bristol vehicle insurance can cover a wide range of needs, in addition to protecting you legally and financially in the event of an automobile accident.

Liability coverage is a form of Bristol auto insurance that's required by law in CT. After a car accident, a Bristol driver's liabilities may include paying for medical treatment costs for other parties who are injured in an accident, covering the costs of rehabilitation and lost wages and paying for damage to another party's automobile. A liability policy must cover at least $20,000 per person and $40,000 per accident for bodily injuries, and $10,000 per accident for damage to vehicles or other property. [1]

The state of Connecticut strongly encourages automobile owners to extend their liability protection beyond the legally required minimum. In many accidents, the costs of medical treatment and vehicle repair or replacement far exceed these legal limits. If you don't have enough Bristol car insurance to cover your liabilities, you may be held financially responsible for the excess. Most Connecticut drivers could not afford to cover the costs of a major accident out of pocket.

Although liability Bristol auto insurance is a legally requirement, some drivers do not obey this law, or do not have adequate coverage to pay for the costs of an accident. For this reason, the state requires that automobile owners carry coverage against uninsured or underinsured motorists. If you are injured or lose property in an accident caused by an insured or underinsured driver, or by a hit and run motorist, your policy will cover the costs of bodily injuries to you and your passengers

Money Saving Strategies

The city of Bristol has undergone a recent renovation, especially in its historic downtown neighborhood. New restaurants and shops have moved into the city, giving residents more opportunities to enjoy fine dining, shopping and entertainment. When you save money on Bristol auto insurance, you'll have more cash left over to spend on your favorite activities.

Paying a higher deductible is one of the most common ways to save money on Bristol automobile insurance. The higher the deductible, or the amount you are required to pay before your benefits take over, the lower your monthly premiums will be. Taking this approach can be a gamble, however, because if your deductible is high, you may end up with a large out-of-pocket bill if your automobile needs to be repaired or replaced after a collision, disaster or theft.

Young drivers can save money by taking driving safety courses or earning good grades in school. Many insurers reward teens who excel academically and pursue their education as motorists at the same time. If you are over the age of 62, you can qualify for a discount by taking a class in automobile accident prevention. Drivers of any age can save money by buying low risk vehicles rather than high performance sports cars. Purchasing a car with air bags, anti lock brakes, automatic seat belts and other safety devices can lower your rates.

Comparing quotes from multiple providers is an effective way to save money, no matter what type of car you drive. Bristol automobile insurance gives you and your family greater peace of mind when you're on the road. It's reassuring to know that if you were involved in an accident, you'd have the financial resources available to cover your losses. Use the internet to comparison shop for a policy from the comfort of your desk or favorite chair.

http://www.ct.gov/cid/cwp/view.asp?q=390260 10/23/2011


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