Connecticut Auto Insurance
Yes, everyone needs auto insurance.
Savings. Service. Satisfaction. Simplified.
At Spectrum Insurance, we understand your car isn’t just a vehicle - it’s part of your everyday life. Whether you’re commuting to work, bringing the kids to soccer, running errands, or hitting the open road, you deserve the peace of mind that comes with knowing you’re fully protected. That’s why we make auto insurance simple, personalized, and affordable.
We believe that insurance should work for you, not the other way around. That’s why we go beyond finding great rates - we help you understand your options, customize your coverage, and make the entire process stress-free. You shouldn’t have to sacrifice quality or clarity to save money, and with Spectrum, you won’t. A quick reminder - don't way to get insurance until it's too late!
Why Choose Spectrum Insurance for Auto Coverage?
1
Personalized Plans
We take the time to understand your unique needs and craft coverage tailored to your lifestyle.
2
Access to Top Carriers
As an independent agency, we shop multiple highly-rated insurance companies to find you the best rates and coverage options.
3
Transparent Guidance:
We don’t just sell you a policy—we explain it in plain English, so there are no surprises when it matters most.
4
Ongoing Support
From adjusting your coverage to filing a claim, we’re your direct contact for all things insurance.
Savings Start Here. See For Yourself...
Safe Driver Discount
Because good habits should be rewarded.
Good Student Discount
A bonus for hitting the books.
Multi-Vehicle Discount
Save when you cover multiple cars.
Bundle and Save
Combine policies (like auto and home) to maximize your savings.
Start Your Quote Today
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FAQs About Auto Insurance
Do you have questions about getting your car insured? Check out some of the most commonly asked questions we get about auto insurance.
Is auto insurance required in Connecticut?
Yes! Connecticut law requires all drivers to carry auto insurance. The minimum coverage requirements are:
- $25,000 per person and $50,000 per accident for bodily injury liability
- $25,000 per accident for property damage liability
- Uninsured/Underinsured Motorist Coverage equal to liability limits
While these are the minimums, we recommend additional coverage for better protection.
Do I need full coverage or just liability insurance?
It depends on your car, budget, and preferences. Liability covers damages to others, while full coverage includes protection for your own car, too. Let’s discuss what works best for you!
Can I add other drivers to my policy?
Absolutely! Whether it’s a spouse, teen driver, or roommate, we can help you ensure everyone behind the wheel is properly covered.
How do I save the most on my auto insurance?
Bundling policies, maintaining a clean driving record, and taking advantage of discounts (like good student or multi-vehicle) are great ways to save. We’ll help you find every opportunity.
Can I switch auto insurance providers at any time?
Yes. You don’t have to wait for your policy to expire to make the switch. We’ll help you transition smoothly and even handle the paperwork, so you’re never without coverage.
What factors affect my auto insurance rate?
Things like your driving record, age, vehicle type, location, and even your credit score can impact your rate. Don’t worry—our team will work to find you the best discounts and rates available.
What types of auto insurance coverage does Spectrum Insurance offer?
Spectrum Insurance offers a range of auto insurance coverage options, including:
- Liability Coverage – Required by law; covers damage or injuries you cause to others.
- Collision Coverage – Covers damage to your car if you hit another vehicle or object.
- Comprehensive Coverage – Protects against non-collision incidents like theft, fire, or weather damage.
- Uninsured/Underinsured Motorist Coverage – Helps cover costs if you're in an accident caused by a driver with little or no insurance.
- Medical Payments Coverage (MedPay) – Helps pay for medical expenses for you and your passengers.
- We’ll help you choose the best coverage based on your needs and budget!
Does Spectrum Insurance offer discounts for bundling auto and renters/home insurance?
Yes! Bundling your auto insurance with renters or home insurance can save you up to 25% on your policy. Other discounts may include:
- Safe driver discounts
- Multi-vehicle discounts
- Good student discounts
- Pay-in-full discounts
Talk to an agent today to see how much you can save!
