Best Local Car Insurance Agencies in Stamford

Frequently Asked Questions

• Introduction

  A way to stay protected while on the road, car insurance offers a financial safety net should accidents occur, regardless of who's at fault. The right car insurance agency can be very valuable, providing a way to purchase an ideal level of auto insurance coverage for personal circumstances. Agencies can help customers select the most beneficial coverage options while saving money on their insurance plan. With help from a qualified agency, it's possible to feel safe and secure behind the wheel.
  

• Is Stamford a safe city for drivers?

  Stamford may be a dangerous city for drivers, but perhaps even more so for pedestrians. Historically, Stamford has documented one of the highest crash rates in the state and has recorded over 22,000 traffic accidents from 2017 to mid-2022. In 2021, there were around seven crashes each month involving pedestrians. These figures have prompted city authorities to commit to the Vision Zero program and with it, the goal to eliminate road accidents within a decade.

• Do you need auto insurance in Stamford even if you are a good driver?

  Yes, driving without insurance is illegal, and being a responsible driver does not exempt you from Connecticut's insurance requirements. Additionally, even if you are a good or experienced driver, you can still get into an accident because you may be driving on autopilot and relying on your reflexes. You have no control over the actions of other drivers or road conditions such as storms and snow blizzards.

• Is cost the only thing you should look at when buying a Stamford car insurance policy?

  While cost is an important consideration, it should not be the only one. You should compare different companies' claims management and customer service. Some Stamford insurers cater to specific demographics, such as military members and people with low credit scores. You can consider these factors when determining which company or policy is best suited to your needs.

• What happens if you collide with another vehicle in Stamford and the victims suffer $60,000 in bodily injury?

  If you have the required $50,000 bodily injury insurance and were at fault for the accident, your insurance company should cover the majority of the costs. You must, however, cover the $10,000 difference. You must also carry $25,000 in injury liability coverage per person and $25,000 in property damage liability coverage per accident as a Stamford driver.

• Will driving without insurance in Stamford affect your premium if you decide to get insured years down the line?

  Your auto insurance history, or lack thereof, will have an impact on your premium once you decide to purchase a policy. Your decision to drive without insurance may give insurers cause to increase premiums. In fact, uninsured motorists in Stamford must pay approximately $16.97 per month more than insured motorists.

• What is car insurance?

  Car insurance is a form of insurance that can cover damages to cars, drivers, passengers, and other property when an accident occurs. If another car crashes into a driver, or if a driver causes an accident, car insurance will pay most or all of the cost of repairs.