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least expensive auto insurance florida is a complex issue. It is also the responsibility of the individual driver to find out if the coverage offered to him or her is adequate. Connecticut residents who are driving a new car are often surprised to learn that the premium required to be paid is a lot more than for a used car. It is not uncommon for a new car buyer to pay a hundred or more dollars a month for full coverage auto insurance in Connecticut. New cars do not always come with comprehensive coverage and this often results in drivers having to pay a lot of money. When buying a new car, the auto insurance policy should include collision, liability and medical payments. Many times a person will choose to purchase only collision and only after that will they want to insure against medical and liability, which are often offered as add-ons to the collision. However, some people opt to purchase all three types of coverage so that they can save money on their monthly premiums. When considering adding comprehensive coverage, it is important to remember that the level of protection afforded will depend upon how much damage you cause to others' property when you are in an accident. If you are at fault and hit another vehicle, you will be held responsible for any repairs or damage that is done to the other vehicle and even if you injure someone else while at fault. Liability coverage will pay any medical bills that are caused when you are in an accident. It may also pay for your vehicle damages and damage to your home in the event of a total loss situation. Liability only covers the other driver's damage and does not cover damage to your vehicle or other personal property. Comprehensive coverage will pay for any injuries that are sustained by you or someone else when you are in an accident. It will also pay for damage to another driver's property and also covers damage to property if you are a pedestrian, or if you are operating a commercial vehicle. Some states may require that you carry comprehensive auto insurance while others do not. Comprehensive coverage is very important if you are a frequent or routine driver, and therefore if you are using your automobile more than twenty-four hours a week. If you are a homeowner, then you will need liability only coverage, if your home is a multi-unit dwelling then you will need both liability and comprehensive coverage. to cover your home and the personal property inside it. If you have both of these policies then you can be sure that you are protected if you ever have an accident or are involved in an accident while on your way to work or school. Auto insurance is an extremely important part of owning a car in Connecticut. You should make certain that you are using all of the resources available to find the right type of insurance coverage for you and your family. Comprehensive coverage will provide you with the protection that you need in the event that your car is involved in an accident and the other driver gets away without being injured. When considering an amount of coverage for your Connecticut auto insurance premium, it is always wise to take into consideration the total value of your car. This includes depreciation. The more your car depreciates the less it will cost to replace it after an accident. Comprehensive coverage will provide you with the maximum amount of money that you can claim for any injury or damage to your property in an accident. If your vehicle is totaled out in an accident, you may still be able to receive compensation for any damage that was done to your property in the accident and any medical expenses that you incur as a result of the accident. Even if the other driver does not receive any monetary compensation from you or your auto insurer for the cost of repairing or replacing your car will be covered by the comprehensive policy. If you do not have comprehensive coverage, the cost of your vehicle repairs can easily exceed the cost of the auto insurance itself. Comprehensive coverage provides protection against the worst case scenario and is usually the cheapest option. Although the monthly premium cost of this type of policy is slightly higher than liability coverage, there is a substantial benefit in having this type of coverage. In the case that you are at fault in an accident and your car is totaled out there is no denying that this is an expensive proposition. Having comprehensive coverage will help ensure that you are financially protected should you suffer some sort of major damage to your vehicle. Comprehensive coverage is certainly a worthwhile investment for anyone that owns a car in Connecticut. While it is an expensive option, it can provide you with peace of mind that your car will be replaced should an accident occur. Should your car be totaled out, it will provide you with the financial support that you need to repair or replace it should an accident occur.