Most people have adequate amounts of home, auto and health insurance due to state and federal requirements mandating that citizens have policies in place. Unfortunately, since life insurance is optional, many people are going about their daily lives without a policy. Life insurance isn't expensive in Cromwell, CT; the monthly cost of a term life insurance policy typically costs less than what you spend on eating out each month.

Having a life insurance policy doesn't mean you're frivolous; it means you're responsible. At some point, everyone passes on. Sadly, for some it's much earlier than others. Life insurance fills the income void that's left behind when a person passes away. Say that a young couple with two kids are killed in a car accident. Relatives will gladly step in to care for those kids, but it will place some degree of financial burden on the caretakers. If the couple has life insurance, the burden will be greatly reduced or eliminated.

Financial advisors usually recommend that adults with dependents have a minimum of 10 times their income in life insurance. That means that if your income is $50,000 a year, you should have a $500,000 policy. Depending on your current financial picture, how much debt you have, your assets, and your monthly spending, you may want to have more or less.

To learn more about the different types of life insurance, and get assistance in choosing the one that's best for you and your family, contact us today. We're here to help you find the lowest price on life insurance policies so that you can rest assured knowing your family will be taken care of financially if you pass on. Our team is always ready to serve our fellow residents in Cromwell and surrounding communities.

You have a lot of ongoing expenses when it comes to your car, your house, and simply living your life. Insurance helps to cut down on the amount that you pay for these occasional expenses that come from car accidents, damage to your home, and having medical emergencies. There are some things that are important to understand when it comes to shopping around for insurance.

One of the biggest things is that our independent agents at AllConnecticut Insurance Company can save you a lot of time on your insurance search. You can call around to each individual insurance company you are interested in, but that requires a significant time investment, and you are going to deal with a sales pitch from every agent you talk to. We already have connections to these companies, and can fast track the quote information to you.

Our free online quote system makes it a simple matter to find out a general idea about coverage options and premiums, which beats endless amounts of calling that would otherwise be a requirement. Once you have a good idea of the companies you want to go with, you can get in touch with us to get additional details or sign up for coverage.

Read all of the coverage information so there's no surprises down the road when you do need to make a claim. This is important to avoid any major issues that could pop up over your life, especially when it comes to home and medical insurance.

Get in touch with our agents at AllConnecticut Insurance Company in Hartford, CT to find out how best we can serve your needs. We've worked with plenty of insurance products, so we're more than happy to find out how we can help you with your life needs.

A lapse in auto insurance can have devastating consequences for drivers. In most cases, drivers can recover from a lapse relatively unscathed. It can, however, mean financial ruin. Because of the potentially devastating consequences, it is never a good idea to be without auto insurance–even for a day. If it is 11:00 p.m. and your policy ends in an hour, though, you can still find insurance for tomorrow. We have insurance agents standing by around the clock for just such an emergency.

A Lapse in Coverage

Most drivers who let their auto insurance coverage lapse are able to find another policy before disaster strikes. They are, however, taking on a huge risk–not to mention breaking the law.

Should you be responsible for an accident and not have a current insurance policy, you will personally have to pay for any damage caused. This may only be a couple thousand dollars worth of bodywork to a car, or it could be hundreds of thousands of dollars in medical bills. Without an insurance policy in effect, you are not protected against such a catastrophe.

Even if you are not in an accident, not having auto insurance is against the law in Connecticut. By state law, all drivers are required to carry minimum levels of insurance. If a cop catches you without sufficient coverage, they could arrest you and impound your vehicle.

Finding Coverage at the Last Minute

Thankfully, you can find coverage at anytime of the day or night. At ALLConnecticut Insurance Agency, we have licensed insurance agents answering the phones 24/7. No matter what time it is, give us a call and we will make sure you are properly insured tomorrow.

Health insurance options can shape the way you seek out your health care, and how quickly you can get to a specialist for help. It’s important to know exactly what coverage options you have, what kind of limits you have on procedures, and the amount you have to pay personally.

A common type of health insurance is a preferred providers organization. This type of insurance partners with many doctors and medical facilities with various specialties in order to bring down the cost of care for the insurance company and the patients. You can opt to go to any specialist in the network, or a general care doctor if you don’t know specifically what you need. While you can get care outside of the network, generally the PPO insurance covers a small part or none of the out of network medical care cost. This is particularly important to consider for emergency care, which is significantly more expensive than routine medical care. Make sure that hospitals in your general area are the ones in network, since accidents are more likely to happen around your home and work instead of elsewhere.

The deductible is the amount you pay the insurance company for your part of the financial agreement. This may be a small amount with high premium plans, or a significantly larger amount for health insurance that’s designed for catastrophic coverage.

Need help getting an accurate health insurance quote in Bristol, CT? Get in touch with our skilled insurance agents who are happy to explain all of your health insurance options to you. We know it’s hard to figure out whether you’re getting the coverage you need, so let us know your health situation and we’ll arrange the most appropriate and affordable health insurance coverage.

Recreational vehicles are one of the best ways to traverse the country, especially if you want to spend some time in the flyover states instead of choosing to forget that they exist. RV insurance is a specialized type of vehicle insurance due to the fact that RVs are not typically used all year round, they contain a significant amount of personal assets, and they’re generally high priced vehicles.

If you find a better deal on RV insurance, it’s best to know how the change insurance provider process works. The first step in the process is to shop around for another insurance provider. You also want to look at the existing RV insurance policy you hold to determine whether your company has an early termination fee. It’s possible to get this waived if you talk with your insurance company, or if you see if your new insurance company will cover the termination fee for you.

Don’t cancel your policy with the original insurance company until you have a solid policy in place with the new company. Establish the coverage dates so that you overlap the ending of the first policy with the establishment of the second. Do not, under any circumstances, allow your first policy to expire prior to the first coverage date of your new RV insurance.

Need help when you’re changing your insurance provider? Get in touch with us for a free online quote that shows you how your existing RV insurance stacks up with other options. Make sure that you’re following the proper procedure to switch your insurance provider before opting to go with the better option. We’ll be happy to guide you through the process.

A recreational vehicle is excellent for road trips, especially if you don’t want to deal with hotels. Instead of having to try to sleep on a possibly bed bug infested mattress in a motel, you get to enjoy your own RV set up. However, a standard auto insurance policy doesn’t cover all of the unique requirements that RVs need.

It does have the standard needs for a car insurance policy. You have to have liability insurance for RVs that are motorized, in case you get into an accident. It’s also helpful to have other types of auto insurance for it, to cover repair costs and other issues. The RV also acts as your home away from home, so there are elements of house insurance in it as well.

You don’t want to arrive at your destination without essentials like your clothes and entertainment devices. If you end up having a loss due to an accident or weather, the RV insurance will end up covering it. Another unique aspect of recreational vehicle insurance is the fact that you often keep the vehicle stored for the off-season. You don’t need to keep full insurance on it in that circumstance, if you have a flexible policy that sets you up with off-season storage coverage instead of a full policy. You are restricted when you can drive the RV around, however.

Talk to us if you need help with your RV insurance in New Britain, CT. We have a handy free online quote system set up so you can talk to us when you get a chance and find out what insurance package you need.

Whether you want to spend quality time with your loved ones, enjoy a second home, or go anywhere and when you please, Connecticut and a recreational vehicle are the perfect combination. Before you head out, make sure you have appropriate RV insurance coverage.

Motor Vehicle Coverage

Connecticut drivers must register the motor vehicles that they drive on the highways. And, when you register your motor vehicle, you need to show proof of insurance coverage. You’ll need to prove that you have at least the minimum liability and property damage coverage. You also need to have coverage for underinsured/uninsured motorist.

Home Owner’s Coverage

You likely carry a lot more personal things in your motor vehicle than you carry in your car, especially if your RV doubles as your home. So, you’ll need insurance coverage that’s like a homeowner’s insurance policy. This means you need liability coverage and you need coverage for your belongings — whether stored in your RV or at a remote location.

Replacement Coverage

Consider getting replacement coverage for your RV. If you have a newer RV, the insurer might replace it with a similar one if someone steals it or if it’s totaled in an accident. For older RVs, you might get money toward buying another RV.

Coverage For Permanent Attachments

Adding accessories such as awnings, wheelchair lifts and towing kits, makes life easier and more comfortable for you. These items also increase the value of your RV, so get coverage to protect your investment.

Campground Coverage

Parking your RV at campgrounds can bring exposure to unexpected risks. For example, your accidental fire might cause damage to the campsite. Make sure you have coverage that protects you if you’re liable for accidents at a campsite.

Driving or living in an RV can expose you to plethora risks. So, if you’re looking for coverage in West Hartford, CT, contact your AllConnecticut insurance agent today. You don’t want to get caught with inadequate insurance. It’s a sure way to put a damper on your RV experience.