Amica Auto Insurance: Is It Available In Connecticut?

Amica offers auto insurance in Connecticut, with an office in East Hartford. Amica's auto insurance coverage in Connecticut includes liability coverage for bodily injury and property damage, as well as uninsured motorist bodily injury coverage. In addition to the minimum requirements, Amica offers comprehensive, collision, and personal injury protection coverage. Amica also provides various discounts, such as for young drivers who complete training programs, good students, accident-free records, and more.

Amica's Connecticut auto insurance quotes

Amica offers auto insurance in Connecticut, and you can get a free quote online or by calling one of their offices.

Connecticut drivers are required to carry the following minimum liability coverage for auto insurance:

• Bodily Injury Liability Coverage: $50,000 per accident
• Property Damage Liability Coverage: $25,000 per accident

These coverages can be combined with a single limit of $75,000. In addition to the minimum liability coverage requirements, Connecticut mandates coverage for uninsured motorist bodily injury, with a minimum limit of $50,000 per accident.

Amica offers customized Connecticut auto insurance quotes that allow you to tailor your coverage with comprehensive protection. You can also explore potential discounts or cost-saving measures available to Connecticut drivers based on your unique circumstances. For example, Amica offers discounts for young drivers who complete an accredited driver training program and full-time students aged 15-25 with a "B" average or higher.

You can get a free quote by calling Amica's East Hartford Regional office at 800-382-6422 or by visiting their website. Amica also has a mobile-friendly website, digital self-service tools, and claims service, so you can rest assured that they'll be there whenever you need them.

Connecticut's auto insurance requirements

Amica does offer auto insurance in Connecticut, with comprehensive policies that are designed to meet your unique needs.

Connecticut has specific auto insurance requirements that all drivers must meet. The state mandates that drivers carry a minimum amount of liability coverage, which includes bodily injury liability coverage and property damage liability coverage.

The minimum requirements for bodily injury liability coverage are $25,000 per person and $50,000 per accident. This coverage protects you financially if you are found responsible for causing bodily harm to someone else in an auto accident. It covers expenses such as medical expenses, pain and suffering, and lost wages.

For property damage liability coverage, the minimum requirement is $25,000 per accident. This coverage is for damage caused to someone else's property, including their vehicle and other property like fences or structures.

In addition to these minimum liability coverages, Connecticut also requires uninsured motorist bodily injury coverage with a minimum limit of $50,000 per accident. This coverage applies if you are injured in an accident caused by a driver who doesn't have insurance or doesn't have enough insurance.

While these are the minimum requirements, drivers can choose higher coverage limits for added protection. It is recommended to consider your specific needs and choose coverages and limits that provide adequate protection.

Additional Connecticut Car Insurance Coverage Options

Beyond the state-mandated minimums, Connecticut drivers may want to consider additional auto insurance coverages to enhance their protection. Some optional coverages include:

• Comprehensive coverage: This covers damage to your vehicle caused by something other than a collision, such as falling trees or rocks kicked up by other cars.
• Collision coverage: This no-fault coverage helps pay for repairs to your car if it is damaged in a collision with another vehicle or object.
• Personal injury protection (PIP): This covers medical expenses and lost wages for you and your passengers, regardless of who is at fault in the accident.
• Rental reimbursement: This coverage helps with transportation costs if your vehicle needs repairs after an accident, including rental cars, ridesharing, or public transportation.
• Auto/loan lease coverage: This covers the difference between what you owe on your loan or lease and the current value of your vehicle if it is totaled in a covered accident.
• Towing and labour coverage: This provides 24/7 roadside assistance for issues like flat tires, dead batteries, towing, unlocking car doors, and getting your car unstuck.
• Repairing or replacing auto glass: This coverage includes the repair or replacement of windshields, windows, and other auto glass, often without a deductible.

Additional Connecticut car insurance coverage

Amica does offer auto insurance in Connecticut. The company offers customized Connecticut auto insurance quotes that allow you to tailor your coverage with comprehensive protection backed by personalized service.

Connecticut drivers may want to consider the following additional coverages beyond the state-mandated minimums:

Comprehensive Coverage

This provides coverage for damage to your vehicle caused by things other than a collision, such as falling trees or rocks kicked up by other cars. This type of coverage is often referred to as "other than collision" coverage.

Collision Coverage

Collision coverage is a no-fault coverage that helps pay for repairs to your car if it is damaged in a collision with another vehicle or object. This coverage is typically offered regardless of fault.

Personal Injury Protection (PIP)

PIP coverage takes care of medical expenses and lost wages for you and your passengers if you are injured in an accident, regardless of who is at fault. This includes necessary medical bills, lost wages, funeral expenses, and loss of services.

Rental Reimbursement

This coverage takes care of transportation costs if your vehicle needs repairs after an accident. It covers rental cars, ridesharing, or public transportation like trains, taxis, and buses.

Auto/Loan Lease Coverage

This coverage, also known as gap coverage, covers the difference between what you owe on your loan or lease and the current value of your vehicle if it is totaled in a covered accident. This type of coverage is particularly important if you lease or finance your vehicle.

Towing and Labor Coverage

With this coverage, you'll have access to 24/7 roadside assistance for various issues such as changing flat tires, jumping dead batteries, towing your car, unlocking car doors, and getting your car unstuck from the mud.

Repairing or Replacing Auto Glass

This coverage takes care of the repair or replacement of your windshield, windows, and other auto glass, often without a deductible.

Discounts for Connecticut drivers

Amica offers auto insurance in Connecticut, and there are several discounts available to Connecticut drivers.

Discounts for Family

Amica offers discounts for young drivers under 21 who complete an accredited driver training program. They also offer a Good Student Discount for policies with full-time high school or college students, aged 15-25, who have a "B" average or higher.

Discounts for How You Drive

Amica offers an auto insurance discount for drivers who have been claim-free for the past three years. Taking an approved driver safety course can also earn you a discount.

Discounts for Your Car's Systems

If your car is equipped with anti-theft devices, such as car alarms and GPS tracking systems, or passive restraints like airbags, you may be eligible for a discount.

Discounts for How You Pay

Amica offers several discounts for how you pay your insurance premium. You can simplify your payment experience and earn savings with AutoPay. Going paperless and receiving policy documents and bills electronically can also get you a discount. Additionally, you can save money by paying the entire balance of your Connecticut policy premium upfront.

Multiline Discounts

If you're a Connecticut driver who needs both auto and home insurance coverage, you can save up to 30% by bundling policies with Amica.

Defensive Driving Course Discounts

In addition to the discounts offered by Amica, Connecticut state law mandates a minimum 5% insurance discount for drivers aged 60 and older who complete an accident prevention course. This discount lasts for two consecutive years. While this discount is only mandatory for drivers over 60, drivers under 60 may still qualify for an insurance discount by completing online driver improvement programs.

How to get car insurance in Connecticut

Yes, Amica does sell auto insurance in Connecticut. Here is a step-by-step guide on how to get car insurance in Connecticut:

Step 1: Assess Your Coverage Needs

First, you should assess your coverage needs. An Amica representative can provide personalized guidance and help you navigate your options to find the right coverage for your needs.

Step 2: Discover Potential Discounts

Next, you can explore potential discounts or cost-saving measures available to Connecticut drivers based on your unique circumstances. Amica offers various auto insurance discounts, such as:

• Young driver training: Discounts for drivers under 21 who complete an accredited driver training program.
• Good student: Discounts for full-time high school or college students, ages 15-25, with a “B” average or higher.
• Accident-free: Discounts for drivers who have been claim-free for the past three years.
• Defensive driver training: Discounts for drivers who have taken an approved driver safety course.
• Anti-theft: Discounts for vehicles equipped with anti-theft devices, like car alarms and GPS tracking systems.
• Passive restraints: Discounts for vehicles with passive restraints, like airbags.
• Autopay: Discounts for those who set up automatic payments.
• Paperless: Discounts for those who opt for electronic billing and policy documents.
• Paid in full: Discounts for those who pay the entire balance of their Connecticut policy premium upfront.

Step 3: Get a Quote

Once you have assessed your coverage needs and discovered potential discounts, you can get a car insurance quote. Amica offers the convenience of getting a quote online or over the phone by calling 800-242-6422.

Step 4: Purchase Your Policy

After receiving your quote, you can purchase your policy. In Connecticut, you will need to show proof of insurance when registering your vehicle, so be sure to have your policy in place before attempting to register your car.

Frequently asked questions