If your behavior behind the wheel has been garnering a lot of disgruntled honks lately, you might want to put some thought into improving your driver karma. Being aware of the driver etiquette rules your breaking is the first step to cleaning up your driving.

The following are the five most common driver etiquette mistakes that you can easily avoid with a bit of consideration and awareness:

1. Passing excruciatingly slowly- Passing other cars should be done fairly quickly because during passing, two cars are very close. This can make some drivers slightly uncomfortable, especially if it goes on for long periods of time. If you’re going to pass someone, speed up and do it quickly to put some distance between yourself and the other car. 
2. Not switching lanes to make merging and turning easier- If you’re driving along a two-lane roadway with no traffic, switch lanes to make space for other drivers who are trying to get on the same roadway. 
3. Hanging around in the left lane- Other drivers are going to get impatient- a may even begin suffering from twinges of road rage- if you’re driving in front of them at a slower speed but remaining in the passing lane. 
4. Sloppy turn signal use- Whenever possible, avoid changing your mind about turning after putting your turn signal on. Also, always take care to use your turn signals even if you’re driving along a very familiar route. 
5. Using your cell phone- Even if cell phone use while driving isn’t against the law in your state, don’t do it. This type of distracted driving compromises safety and will inevitably detract from your reaction speed at red lights or while waiting at stop signs. 

Learn more about responsible driving by contacting ALLConnecticut Insurance. 

Before heading out of West Hartford, CT with your RV this summer, it would be a good idea to make sure you have proper insurance coverage on your vehicle. A motorized RV, such as a motor home, must have liability insurance just as an automobile would in Connecticut. Smaller RV’s must also have liability coverage at a minimum, but may operate under a different policy than an auto policy.

RV insurance is rather specialized a it is often a vehicle that is used only part of the year, and may be parked for extensive periods. It is generally also a high-value vehicle, and that makes the insurance cost more. In addition to liability, there is collision and comprehensive coverage available for a motor home type vehicle.  Collision and comprehensive are not required by the state, but may be required by the lender if you still owe on the RV.  Collision covers damage to your vehicle if you are at fault in an accident. Comprehensive covers none automotive damage caused by your vehicle in an accident.

Gap insurance is also a possibility one might consider. This covers the difference between the market value and the cost to replace if your RV is totaled. In a collision policy the insurance company pays the market value, but you may owe more than that or it might cost more to replace than that. With gap insurance you would be covered.  For some people an umbrella policy is a good idea. This covers you if you have a major claim against you that is more than your insurance limits.

The agents at ALLConnecticut Insurance can help you get the policy you need to cover your RV. You may also get quotes by visiting us online. Existing customers may contact us to get a free policy review to make sure all of your policies are up to date.

AllConnecticut Insurance wants you to know that we have the best resources you need for buying boating insurance coverage. We also want you to be safe on the water this season. So please, don’t boat just after a heavy rainstorm: that stick floating in the muddy water might be attached to an entire tree bobbing just under the surface. Be careful boating above spillways, bridges, and other structures on the water. Be certain that everyone onboard has the proper personal flotation devices and that they are wearing them in the correct way. Even pets can wear flotation vests as well! Also, be very careful when using alcoholic beverages on board.

We’re not just about insurance, you see; we’re about safety. Safe fun is the fun that builds wonderful summertime boating memories. Enjoy the sun on the water, catch some rays, maybe catch a fish as well. You can have a pretty awesome lack of worries when you have the insurance coverage to back up your boating activities. Accidents do happen, and you can be prepared both before and after. While prevention is the best method for dealing with the unfortunate things that come up, good insurance can make a huge difference after the fact.  Contact us about your boating insurance coverage. At AllConnecticut Insurance we know the state requirements for minimum insurance coverage as well as which kinds of policies are available for which kinds of vehicles. Our independent agents can help you find the best rates for your specific needs. Serving the West Hartford, CT area, our independent agents can find the insurance coverage quotes of multiple insurance firms to assure you that you’re getting the best coverage at the best rate for your specific needs.

The majority of people have no idea what umbrella insurance is but that does not mean that they do not need it. When it comes to umbrella insurance, it can be pretty easy to determine if you need to get a policy or not. Continue reading to see what it is, help determine if it is right for you, and if you need to consider getting a policy.

• If you have assets that are high value, an umbrella insurance policy can take over where your current policy falls short. You may not know it, but your auto and home insurance policies have maximum coverage limits. If you have assets that are worth more than that maximum coverage amount, then you should consider an umbrella insurance policy. These policies will cover you when your other policies no longer can. Take a look at these two values to see if you are fully covered or not. 
• Umbrella insurance policies can also cover your liquid assets such as your checking account, savings account, and even your retirement account. Banks and other establishments only cover your liquid assets up to a specific amount. You may want to check with your banking institutions to make sure you are covered completely by them.
• If you are a high profile individual in your community, you may want to consider this type of policy. It can provide you with insurance for personal injury such as libel, slander, wrongful conviction, and even false arrest. While most people do not need this, you can judge if you may.

For more information about umbrella insurance policies, be sure to contact us at ALLConnecticut Insurance today. We will also take a look at your asset values and current insurance plans to see if it is the right option for you.

Your RV can be a lot of fun, and a great way to travel around the country. But you want to make sure you take good care of it, and that includes regular maintenance and a review of your insurance policy. If you’ve just purchased an RV and need to insure it, you’ll want to make certain you’re getting the kind of coverage that will work for you. For those who already have an RV, reviewing your policy periodically is a great idea so you can make sure you keep your policy up to date with your travel needs and finances.

As you shop around West Hartford, CT for the right RV and the right insurance policy, you need to know that state minimum coverage may not be enough for your plans and goals. You will be following what the law requires, but you won’t get a lot of protection for your RV itself. State minimums may also not be enough to pay all of your medical bills and related expenses if you end up in an accident, so you want to work with your insurance agent to make sure you’re getting the right level of coverage to meet the needs you have.

When you need RV insurance in West Hartford, CT, it’s time to contact ALLConnecticut Insurance so you can have peace of mind. With knowledgeable agents and policy options to choose from, you can get the kind of insurance you want for your RV. You’ll also get answers to your insurance questions and someone who will be happy to go over your policy with you to make sure you understand everything. The more you know the easier it will be for you to get the insurance that’s going to work for you, so you can go and enjoy your travels.

If you own a boat, you should have an insurance policy that covers this watercraft, no matter what size or age your boat is. Your policy should cover damage to your boat, damage to property and injury to people if an accident or incident occurs. While there are minimum coverage requirements in many states, it is advisable to purchase more than the minimum amount required. It can be difficult to find an insurance policy to cover a boat, as many auto insurers will not underwrite these types of policies. However, it is still possible to find a quality insurance policy from a reputable insurer at a price that won’t kill your budget.

Once you obtain an insurance policy for your boat, it is important to review your policy on a regular basis to ensure that you have appropriate coverages at the best price possible. It is typically recommended that you review your boat insurance policy once per year, at the start of each boating season. Adjust your coverage amounts and deductibles so you have the coverage you need. You can also take this opportunity to shop around and see if you can get the same policy at a lower price from another insurer. Having appropriate coverage for your boat and those who enjoy your boat with you doesn’t have to be a huge hassle or cost you a great deal.

If you live in the West Hartford, CT area and you need to purchase a new insurance policy for your boat or update an existing policy, ALLConnecticut insurance can help. Visit online today to obtain a quote or purchase a policy so you can enjoy your boat during the warm months without worry over what you will do in the event of an accident or incident involving your boat.