CT Car Insurance

Personal Insurance

Connecticut Auto Insurance — A Smooth Ride With Byrnes

You just traded your aging car for a brand-new hybrid, or maybe a recent promotion provided the elusive funds to purchase a sports car. It’s been your goal since you were a little girl, and you’re ready to get behind the wheel. All you need is the correct auto insurance coverage for your situation with a reasonable car insurance premium you can afford. You’ve come to the right auto insurance company at Byrnes.


Byrnes Agency Helps Drivers Needing Car Insurance in Connecticut

Do you have a newly licensed 16-year-old under your roof, or have you just scored a great deal on an amazing hybrid? Perhaps you’ve finally saved enough cash to buy that high-performance car you’ve been dreaming of since you were just a kid. No matter what your reason, you’re ready to get behind the wheel, and all you need is the best car insurance coverage from the most dependable car insurance company in Connecticut. You can find the best of both and save money at Byrnes with a licensed insurance agent who can find you cost-saving car insurance quotes from the best car insurance companies.

Byrnes Agency is proud to offer the best auto insurance rates from our car insurance partners to individuals from any one of these cities in Windham County: Windham, Woodstock, Eastford, Scotland, Killingly, Brooklyn, Thompson, Hampton, Putnam, Chaplin, Plainfield, Sterling, Canterbury, Pomfret, and Ashford, CT. Additionally, New London County, Connecticut car insurance customers are served in New London, Montville, Ledyard, Lyme, Salem, Groton, Stonington, Colchester, Griswold, Lisbon, Waterford, East Lyme, Preston, Lebanon, Voluntown, Norwich, Old Lyme, North Stonington, Bozrah and Franklin, CT.

Contact us today whether you need minimum coverage or full coverage car insurance in Connecticut or visit our auto insurance specialists in our offices in Dayville and Norwich, CT.

Drive With Peace of Mind — Byrnes’ Car Insurance in Connecticut

Depending on individual circumstances, our day-to-day driving activities may include inevitable chores such as dropping off and picking up children from school, sports, and music lessons; shopping for groceries; and, of course, commuting to our jobs. All this time spent on the road makes it important for Connecticut drivers to have proper personal auto insurance coverages in place.

The Byrnes Agency provides drivers in Connecticut and the country with auto insurance plans to protect against unforeseen damages and injuries. With access to many insurers that provide car insurance in Connecticut, we can obtain the most affordable car insurance rates for the coverages you need as you go about your daily driving.

Let Byrnes Find the Best Connecticut Car Insurance Policy for You

Whether you’re looking for minimum car insurance for a second vehicle or cheap car insurance quotes for your entire family, search no further than the Byrnes Agency. We can design an auto policy for you that includes all of the standard insurance requirements for Connecticut drivers, along with custom-built coverage options to give you protection where you need it most for your individual circumstance. We may not necessarily recommend the cheapest car insurance, but we help find the right car insurance options for all drivers in Connecticut.

Liability Coverage

All Connecticut drivers must have bodily injury liability insurance. This covers property damage and injuries sustained by others if you are found responsible for causing a car accident. The state minimum coverage in Connecticut is $25,000 for each person, $50,000 per accident for injuries, and $25,000 per accident for damage to vehicles or other property. These minimum car insurance requirements, however, may fall significantly short of the actual cost of an accident. Both national and Connecticut costs are soaring for medical bills, motor vehicles of all kinds, and property replacement. Therefore, you should seriously consider increasing your coverage to protect your personal assets in the event of a bodily injury or property damage liability lawsuit.

Uninsured/Underinsured Motorist Coverage

Uninsured/underinsured motorist coverage provides reimbursement for injury expenses incurred by you, your family members, or passengers. This type of policy goes into effect if you are involved in a hit-and-run accident or if the at-fault accident driver either has no car insurance or less bodily injury liability coverage than your own. This insurance is also required by the state of Connecticut, and the required minimum coverage is $25,000 per person and $50,000 per accident. A standard policy provides equal coverage to that of your injury liability limits, but you can purchase up to double that coverage.

Medical Payments Coverage

Also called basic reparations coverage, this optional car insurance policy will reimburse you for the driver’s medical expenses — whether you are the driver or you gave someone else permission to use your car — and the medical expenses of the other occupants in your vehicle. In some circumstances, a medical policy can also cover funeral costs and lost wages related to an injury or death in an accident.

No-Fault Coverage

No-fault insurance covers the costs of bodily injuries sustained by you and your passengers, regardless of who is found to be responsible for the accident. Also known as personal injury protection, this optional coverage pays for costs such as hospital and rehabilitation bills, lost wages when a covered individual can’t work, or funeral expenses. The primary benefit of this insurance is that it pays quickly, so you don’t have to wait for law enforcement to determine fault for the accident or wait for the resolution of a liability lawsuit to receive compensation for personal injuries.

Collision Coverage

Collision coverage protects you from loss if another vehicle or object strikes your car in a road accident or if it suffers damage from a roll-over. This type of insurance typically pays up to the coverage limit after you have paid a deductible.

Comprehensive Coverage

While collision insurance covers damage to your car that results from an auto accident, a comprehensive policy protects you from virtually any other kind of damage to your vehicle, which can include:

  • Fire
  • Theft or vandalism
  • Broken windows
  • Impacts with birds or animals
  • Storm or flood damage
  • Falling objects

Offering protection from everything from a broken window from falling debris or an attempted break-in, to a bounding deer on the highway destroying the front end, to the extensive engine or interior damage from an unexpected flash flood, this car insurance coverage can be a valuable investment. A comprehensive policy also carries a deductible.

Gap Insurance

If your car is totaled, a standard coverage will equal the actual cash value (ACV) at the time of loss. Depending on how long you’ve owned your car, this settlement could be significantly lower than its original cost and nowhere near enough to purchase an equivalent replacement. Plus, you may still have to make car loan payments on a vehicle that you no longer own. Gap coverage will reimburse you for the outstanding balance on your car loan less the ACV of your totaled car.

Other Coverages

Depending on your needs, we can also write policies for the following:

  • Full Glass Coverage: A full glass policy covers the replacement of the safety glass in your car after a breakage.
  • Towing Coverage: A tow policy reimburses you if you need to hire a tow truck to take your car to a mechanic or body shop.
  • Rental Reimbursement: Rental coverage provides you with the cost of a rental car while your vehicle is undergoing repairs or as you shop for a replacement for your totaled car.

Byrnes Provides Excellent Advice on Car Insurance Products

When you start to compare different car insurance companies and car insurance premiums, you begin to realize how many decisions you have to make. For example, you need to choose between minimum insurance requirements or full coverage insurance. You may also have to choose between a cheap car insurance company and the best car insurance provider.

When it’s time to make a final selection for your car insurance policies, Byrnes insurance specialists are ready to go over the details with you. We realize you have limits on the amount you can pay for premiums, so we’ll help you balance risks when choosing deductible amounts and coverage limits. We’ll search for car insurance discounts, including those available for a clean driving record or safe driving history. In short, our specialists will do everything they can to find the best car insurance rate for your needs.

You Can Expect Unsurpassed Customer Service From Byrnes

Whether you need help deciphering car insurance rates in Connecticut, assistance in finding the cheapest auto insurance companies, or need assistance with auto insurance quotes, a licensed agent at Byrnes will make every effort possible to give you quick, accurate, and friendly service and support. Everyone at Byrnes is dedicated to helping you get the best Connecticut car insurance rates from the top insurance companies.

Rely on Byrnes for your personal and business insurance needs.

We’ve been in the insurance business for a long time. Let our staff show you what responsive service and real value are all about. Contact us today! We’re looking forward to it.