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Auto Insurance Quotes

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The experienced staff at Brooks, Todd & McNeil is always available to show you how you can protect yourself, your vehicle, and loved ones with tailored car insurance. While there are numerous ads out there promising cheap auto insurance rates, they do not always guarantee the right coverage.

We will help you secure the best car insurance for your needs without cutting corners when it comes to your protection. Our professional agents will educate you on the type of auto insurance policy that is best for you and your family. We will review your policy to see where coverage may not be enough and to ensure your limits are in sync with the assets you have at risk.

Serving customers near our home offices of Torrington, Enfield, and South Windsor, Connecticut, in addition to our Southeast division, serving the car insurance needs of Spartanburg, SC, and Mullins, SC.

Inside Auto Insurance

Connecticut, like most states, requires minimum coverage (in some states it may be $25,000 per person for bodily injury and $50,000 per accident) for all automobiles to ensure that you, and the drivers around you, are protected. It is important to work with an insurance agent who understands the “rules of the road” for your state and can help you to determine what limits outside of the minimum coverage make the most sense for you. Often, the minimum limits required are too low to adequately protect you, particularly in a serious accident. You want to make sure you are safeguarding your financial health.

An Overview of Your Basic Auto Insurance Policy

The following are some of the basic coverages that are available and how they can be used to build the policy that is right for you.

Bodily Injury & Property Damage Liability Insurance
Protects against third-party bodily injury liability and property damage liability claims in the event of an accident. We can help you determine what bodily injury liability limits are best suited for you and your family to safeguard your assets.
Uninsured/Underinsured Motorist Coverage
Despite state requirements, you may encounter drivers who do not have insurance or do not carry a high enough limit. This coverage will help to protect you if you’re involved in an accident with one of these drivers, paying the costs for injuries or property damage up to the coverage limit.
Collision Insurance
Provides protection for your vehicle repairs in the event of a collision. We will discuss deductible options with you.
Comprehensive InsuranceAlso referred to as “other than collision” insurance, comprehensive coverage pays for repairs or replacements after events such as theft, vandalism, or weather-related damage. Again, we will discuss the deductible options available to you.
Medical PaymentsThis very affordable coverage can be applied to medical bills and other expenses you or a family member might suffer if involved in an accident.

Additional Auto Insurance Coverages Available

Towing and rental reimbursement insurance is also available. In addition, you can extend the liability limits on your auto policy with personal umbrella insurance. It’s a good idea to have extra protection in the event of a catastrophic or fatal accident.

If you are a lover of classic and antique cars, we can provide you a special agreed-value insurance policy to protect your vehicles. The policy can also be designed to provide spare parts coverage, inflation guard, and no annual mileage limits.

We also work with insurance companies that specialize in insuring luxury vehicles and provide special features like agreed-valued coverage, original replacement parts coverage, and unlimited roadside assistance. This can be a part of your car insurance plan.

Factors That May Determine Your Connecticut Car Insurance

There are many components that go into determining coverages and rates: the year and model of your car, where it’s garaged, if you have had any accidents, along with other factors, are all taken into account. Some carriers will offer credits for being a good driver, installing telematics on your car, or even being a good student.

We recommend that you speak with one of our knowledgeable staff members who will ask you a series of questions to help determine what makes the most sense for you and your family and will help you to find the best price. Here are some factors that may affect your rates.

Location
Age
Driving Experience
Driving Record
Claims Record
Gender
Marital Status
Previous Insurance Coverage
Vehicle Type
Use of Vehicle
Age of Vehicle
Annual Mileage
Car Insurance Coverages + Deductibles
Credit History

Read our blog to learn more about how these factors may determine your auto policy rates.

Car Insurance Discounts

When you chose an independent insurance agent, we work for you. That means we will shop your auto insurance and other Personal Property needs to several insurance companies until we find the right package for you.

Insurance discounts available for your Connecticut car insurance are something we pay particular attention to on your behalf. Here are some, but not all, of the discounts an insurance company may offer for you and your family:

Multi-policy and multi-vehicle discounts
Good student discounts
Hybrid vehicle discounts
Low mileage discounts
Defensive driving discounts
Vehicle safety features and anti-theft device discounts
Loyalty discounts
AAA discounts
Recent graduate credit
Electronic Good Driver Discounts
Automated Good Driver Discounts
Electronic Driving Habit Discounts

Drivers in Connecticut: Safe Driver Discounts

Have you ever said, “If the insurance company knew what a good driver I was, they’d probably give me a discount!” Well, now some companies actually will through Safe Driver Programs that allow your driving habits to be analyzed. These are voluntary programs which monitor how you drive such as hard braking or quick acceleration. It is also a great way for families to monitor young drivers. When you agree to add this feature to your car, the company will, in most cases, track your driving habits using an application on your phone or a device installed in your car, usually for 90 days. More than likely, you will not be penalized for poor driving, but you may be able to save up to 30% if you are a good driver.

Talk to us about this newly available discount to find out how much you can save!

Contact Brooks, Todd & McNeil for a Competitive Car Insurance Quote

It is easy to get auto insurance rates from several insurance companies when you contact a Brooks, Todd & McNeil agent. We represent many financially strong regional and national insurance providers and will find just the right auto insurance and discounts for all your vehicles. For your convenience we have offices in the Connecticut towns of Torrington, South Windsor, Enfield and our South Carolina offices in Spartanburg and Mullins. We invite drivers in Connecticut and South Carolina to give us call so we can show you how we can best serve you.

Contact Us For A Consultation And Quotes

Contact our experienced independent insurance agents for quotes on all your personal insurance needs. Our agents will help find you the best coverage, prices and protection for you and your loved ones. We are conveniently located in the Connecticut towns of Torrington, South Windsor, Enfield and the South Carolina towns of Spartanburg and Mullins.