Auto insurance can be complicated for most people, especially if this is your first time buying insurance. There are many insurance agencies, agents and brokers, and deciding who to go with can be overwhelming. However, here at White Oak Insurance LLC, serving Milford, CT, we want to ensure you make an informed choice. Here are some factors to consider when buying auto insurance.  

The Coverage You want

Under auto insurance, there is a lot of coverage for collision, comprehensive, personal injury, and insured and underinsured coverage. It is advisable you understand each of these to protect your car adequately. Once you have an idea, approach an insurance company and get more additional information you may want.

Insurance Brand

You also need to consider the insurance brand you plan to work with. Read online reviews to learn about the reputation of a company. If there is a high level of customer satisfaction, you can proceed with the insurance company.

Your Deductible

The deductible is the amount you will pay before your insurance pays for the expenses arising from the accident. Therefore, consider how much you can comfortably pay out of pocket if there is an accident. Also, note that a lower deductible means you will have to pay higher premiums and vice versa.

Your Car

The brand and model of your car will have an impact on your auto insurance policy. There are cars prone to theft, while others have a low safety rating. Therefore, if you have a specific budget for your insurance, consider getting a car with high safety ratings.

With auto insurance being mandatory in Milford, CT, you have to factor in all considerations before purchasing insurance. It will help you make the right decision. Here at White Oak Insurance LLC, we want you to feel confident when buying auto insurance. That is why we are ready to answer any questions you might have. Contact us today for any assistance.

It’s always scary for parents when their teens start driving. That’s why we at White Oak Insurance LLC provide Milford, CT parents with detailed information and tips about this process. Follow these steps to make sure your teen gets the policy that makes the most sense for their needs.

Tips You Need to Know

When it comes time to buy a policy to cover your teen, there are many tips that you must keep in mind. These steps include how you should:

• Add Them to Your Policy — When you put your teen on your policy, you can get many exciting deals and provide them with more comprehensive policies.
• Raise Their Grades — Many insurance providers create specialized "Good Student" deals for students who do very well in school.
• Put the Car in Their Name — Register and license the car in your teen’s name to protect yourself and simplify their liability coverage.
• Take a Crash Prevention Course — Find Connecticut’s crash prevention course and enroll your teen to give them a better potential policy.
• Label Them an "Occasional" Driver — Some policies let you label your team as a "pleasure-only" or "occasional" driver, which may be good if they rarely use their vehicle.

Make sure that you talk with your provider about these tips to ensure that you execute them properly. Thankfully, most should be pretty simple to understand and give you the help your teen needs to stay safe and protected on the road.

Get the Coverage You Need

If your teen needs an excellent insurance policy right away, please don’t hesitate to contact us at White Oak Insurance LLC to learn more. We serve the Milford, CT area and beyond. We will do whatever we can to help your teen get the best policy possible, ensuring they are fully covered.

While you may have the state-required minimum auto insurance in Milford, CT, it may not be enough to keep your car in tip-top condition. That said, you may need to boost your car insurance with add-ons for optimal coverage. While there are numerous auto insurance add-ons to consider, White Oak Insurance LLC has put together four insurance add-ons worth the extra bucks. 

Zero depreciation coverage

Like most assets, your car is prone to depreciation. Your vehicle starts depreciating from the moment you drive off the lot. And since the car owner (not the insurer) bears the responsibility of wear and tear, you are likely to receive the payout less depreciation during compensation after a claim. Zero depreciation coverage cushions you against depreciation, deterring you from incurring out-of-pocket expenses. This coverage is more suitable for:

• New car owners
• Luxury cars with expensive car parts
• New drivers
• If you live in an accident-prone locality

Roadside assistance

Besides towing, the roadside assistance add-on ensures you get services like puncture repair, battery jumpstart, gas delivery, and other roadside repairs when your car stalls away from home. If you love impromptu road trips or have long daily commutes, it’s wise to consider this add-on.

Personal injury protection (PIP)

If you have zero or little health insurance coverage, PIP is essential coverage to consider. PIP covers you and your passengers’ medical expenses for injuries sustained in a vehicular accident. And because PIP is no-fault insurance, even when you are deemed liable for the accident, this won’t limit you from enjoying the benefits of this coverage.  

Engine protection cover

While the engine is the heart of your car, it’s one of the most expensive parts of your vehicle. Although your comprehensive or collision coverage may cover your engine after an accident, these coverages don’t protect your engine against damage resulting from oil leaks, hydrolock, and water ingression. And that’s where the engine protect cover comes into play.

Car insurance in Connecticut

Are you shopping for car insurance in Connecticut? Please contact White Oak Insurance LLC for an affordable quote.

Every motorist in Connecticut is required by law to have auto insurance with certain minimum requirements just in case the car is involved in an accident that results in property damage and bodily injuries. 

Connecticut is one of the states where the at-fault system for financial liability applies. The at-fault driver meets the financial obligations arising out of the accident. 

If you live in Milford, CT, and you’d like to buy auto insurance, White Oak Insurance LLC is ready to help you make the right decision. 

Auto Insurance Requirements in Connecticut

The law in Connecticut requires drivers to have liability car insurance coverage to cover bodily injury liability caused to another person and property damage liability. However, you can go beyond these limits by taking additional coverage. For instance, you’d want to protect yourself and your car in case of an accident. 

Remember, once policy limits are exhausted, you’ll have to incur out-of-pocket expenses. So, you’d want to have as high limits as possible. 

Types of Auto Insurance in Connecticut

If you’re buying auto insurance, you’ll need to know the most common types of coverages. There are various coverages to protect the car owner, the car, and third parties. These coverages include:

• Auto liability coverage: It is mandatory in Connecticut. It helps pay for costs related to bodily injuries and property damage to another person.
• Comprehensive coverage: Covers your car against theft, fire, and vandalism. It may help you replace or repair your car.
• Collision coverage: Helps you replace or repair your car in case of a collision with another vehicle or object.
• Uninsured/underinsured coverage: Protects you in case an uninsured driver hits you.
• Personal injury protection: Covers the cost of treatment in case you’re injured in an accident
• Medical payments coverage: Covers your medical expenses and those of your passengers when involved in an accident.

Understanding each of these coverages will help you choose the most suitable policy for your needs.

Buy Auto Insurance Today

Residents of Milford, CT need auto insurance to abide by the law and to acquire appropriate coverage. The basic liability coverage is not enough to protect a car owner.

To understand the best coverage for you, get in touch with White Oak Insurance LLC. You’re guaranteed professional advice.