Creating A Custom Auto Insurance Policy

Insurance agencies want to help their customers live better, healthier lives. To that end, they offer a range of valuable products and services that help customers protect the things that matter most. Agencies are also eager to help their customers meet their individual insurance needs. Gone are the days of “one size fits all” Willimantic Insurance CT policies. Today it’s possible to create a policy that’s tailored to you.

Exploring Lines of Coverage

Auto insurance is highly customizable. Many of the best agencies can assist you with putting together a policy that fits your lifestyle and driving habits.

Some of the most popular lines of coverage include:


  • Liability coverage
  • Medical payments
  • Collision
  • No-Fault
  • Uninsured/Underinsured motorists
  • Gap coverage

Insurance agencies work closely with their coverage providers to offer their customers a broad range of products. It’s likely that your agency can offer you more than just what’s listed above.

What You Need Most

If you choose to design your own insurance policy, you’ll need to decide what lines of coverage you need the most. First, you have to consider what form of Willimantic Insurance CT drivers are required to have. From there you can choose the coverage that addresses your particular concerns.

Medical payment coverage is very useful because it pays the accident-related medical expenses of the driver in the insured vehicle as well as their passengers. These expenses include emergency room visits, x-rays and other medical tests, follow-up care from physicians, chiropractic care, and more. Ambulance transport may not be covered, so read your policy carefully.

Another commonly chosen line of coverage is uninsured/underinsured motorist. Even though most states require drivers to have auto insurance, not everyone obeys the law. If you’ve ever been in an accident with an uninsured driver and didn’t have this coverage in your policy, you know what a difficult situation that can be. With this coverage, you won’t be left on your own to pay for the medical care that results from being in an accident with an uninsured driver.

Picking a Policy

Your insurance agent will be happy to explain each line of auto insurance coverage they offer. Once you’ve decided what coverage you need most, you can create a policy that fits you just right.