{"id":4216,"date":"2021-03-21T09:52:35","date_gmt":"2021-03-21T13:52:35","guid":{"rendered":"https:\/\/www.plymouthrock.com\/?post_type=product_3&p=4216"},"modified":"2024-12-31T09:21:40","modified_gmt":"2024-12-31T14:21:40","slug":"full-coverage-car-insurance-in-connecticut","status":"publish","type":"product_3","link":"https:\/\/www.plymouthrock.com\/insurance\/auto\/ct\/coverage-policy-options\/full-coverage","title":{"rendered":"Full Coverage Car Insurance in Connecticut"},"content":{"rendered":"\t\t
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As a driver in the Constitution State, you may be surprised to learn that the term \u201cfull coverage\u201d will not typically appear in an auto insurance policy for CT drivers. Although some people think that having a full coverage policy means that their insurance carrier will cover everything, this isn\u2019t quite accurate. So, what does this auto insurance cover? Generally speaking, the term is used to describe an auto policy that includes both liability coverages AND coverages for damage to your vehicle.\u202f\u00a0<\/p>\n

What is Included in This Kind of Auto Policy?<\/h2>\n

Though \u201cfull coverage\u201d is not an officially and consistently defined term, a \u201cfull coverage\u201d auto policy typically involves carrying liability, comprehensive, and\u00a0collision insurance, as well as any other required coverages. Depending on the nature of an insurance claim, each of these provides coverage for different risks you face as the owner of a motor vehicle. Although having this coverage will provide you with protection for most situations, you will not find an insurance carrier that offers a car insurance policy that always covers everything for every situation. For instance, it is not a safe assumption to think that this type of policy will include a roadside assistance or towing benefit offered by your insurer.<\/p>\n

Should You Carry This Insurance?<\/h2>\n

It\u2019s difficult to put a price tag on peace of mind. There are many views and opinions on whether you should carry full coverage auto insurance, but the conversation typically hinges on price. After all, if a policy that covers you \u201cfully\u201d were to cost the same as just carrying liability insurance, then it would be a moot point. The price you pay for this coverage needs to be weighed against the financial risk of an accident. Generally, there are five things you should consider when you\u2019re deciding if it is right for you:<\/p>\n

    \n
  1. Your Risk Tolerance<\/b> \u2013 Some drivers are fine with assuming the additional risk on the road by not carrying a full coverage policy, while others like the peace of mind knowing that they will be protected in most accidents. Only you know how you feel about assuming financial risk.<\/li>\n
  2. Value of Your Car<\/b> \u2013 Do you drive a high-end sports car, or a luxury vehicle that would be expensive to replace? Or even a newer car for which the cost of repair or replacement would be very difficult to manage within your budget? You should carry full coverage in order to protect yourself financially. If you drive an older car that is paid off, then you may not need it.<\/li>\n
  3. Current Auto Loan or Lease<\/b> \u2013 Are you still paying off your car loan, or do you lease your car? If so, you\u2019ll probably want to carry full coverage. Consider the possibility of totaling your car in an accident that was your fault\u2026 without collision coverage, you\u2019d be on the hook for a big check to your lender or the leasing company. Having to come up with money you don\u2019t have for a car that you can no longer drive isn\u2019t a good situation. Most lenders and leasing companies actually require that you carry this coverage on the vehicle.<\/li>\n
  4. Current Policy Rate<\/b> \u2013 Not all policies are the same, and what you pay in premiums certainly varies depending on many factors. Whatever rate you are paying should be carefully considered and weighed against the risk of not having enough coverage.<\/li>\n
  5. Your Financial Situation<\/b> \u2013 Do you have a financial safety net, or are you living paycheck to paycheck? If it would be a challenge for you to write a check for several thousand dollars to replace your car totaled in an accident that you caused, you\u2019ll probably want to carry the most coverage provided your budget can accommodate the premium payments. In addition, it’s always helpful to explore\u202fdiscounts<\/a> that you may be eligible for to save on your policy.<\/li>\n<\/ol>\n

    Final Thoughts<\/h2>\n

    Ultimately, deciding what type of coverages you include in your auto insurance policy is a personal decision. You should know what to look for when researching\u202fcompanies\u202fto find out what coverage is being offered at what price. You can read more details about\u00a0gap insurance<\/a>\u00a0and\u00a0comprehensive coverage<\/a>.<\/p>\n

    If you have questions about full coverage insurance, contact Plymouth Rock\u202ftoday and speak with one of our friendly, knowledgeable representatives. Offering flexible coverage, experienced agents, and exceptional service, Plymouth Rock is the premier choice for personal auto insurance for drivers in Connecticut.<\/p>\n

    Call\u00a0800-516-9242<\/a>, get your\u00a0free quote online<\/a>, or contact your local\u00a0>Plymouth Rock agent<\/a>\u00a0to find out how you can save on your car insurance rates in Connecticut today. If you need further information, you can visit\u00a0our\u00a0Contact Us<\/a>\u00a0page.<\/p>\n\t\t\t\t\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t\t\t\t<\/div>\n\t\t<\/div>\n\t\t\t\t\t<\/div>\n\t\t<\/section>\n\t\t\t\t<\/div>\n\t\t","protected":false},"author":11,"featured_media":0,"menu_order":0,"template":"","products":[],"state":[],"class_list":["post-4216","product_3","type-product_3","status-publish","hentry"],"acf":[],"yoast_head":"\nFull Coverage Car Insurance in CT | Plymouth Rock<\/title>\n<meta name=\"description\" content=\"Plymouth Rock explains full coverage car insurance in CT and what is included in this kind of policy as well as if you should have it.\" \/>\n<meta name=\"robots\" content=\"index, follow, max-snippet:-1, max-image-preview:large, max-video-preview:-1\" \/>\n<link rel=\"canonical\" href=\"https:\/\/www.plymouthrock.com\/insurance\/auto\/ct\/coverage-policy-options\/full-coverage\" \/>\n<meta property=\"og:locale\" content=\"en_US\" \/>\n<meta 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